Re-Assurance. Under Re-Assurance, We will provide an automatic extension of Policy Renewal for a period of 2 (two) Policy Years from the date of expiry of the current policy, if during the Policy Period an Insured Person is diagnosed with any of the Critical Illnesses named below or suffers from Permanent Total Disability described below due to an Accident, provided that the Insured Person is not added in to the Policy mid-term and has attained 18 years of age at the inception of the Policy Year in which the event occurred. This automatic extension will be available only once in the lifetime of an Insured Person, in respect of either a Critical Illness or a Permanent Total Disability Event which qualifies for coverage as per the criteria specified under this Policy, irrespective of the sequence of its occurrence. Reassurance can be availed by each Insured Person separately in case of an individual policy and once during the lifetime of a Policy in case of floater policies covering all Insured Persons under the Floater. Where this extension is triggered for a child attaining age 24 years during subsequent renewals, both the parent and split policy of the child will be eligible for this automatic extension.
Re-Assurance a) In the event of an Insured Person suffering from any of the named Critical Illnesses, You or the Insured Person, may intimate Us with the following documents. In respect of Permanent Total Disability ▪ Claim Form Duly Signed ▪ Original treating Medical Practitioner’s certificate describing the disablement; ▪ Original Discharge summary from the Hospital; ▪ Photograph of the Insured Person reflecting the disablement; ▪ Prescriptions and consultation papers of the treatment; ▪ Disability certificate issued by civil surgeon or equivalent appointed by the District/State or Government Board. In respect of Critical Illness ▪ Claim form duly filled and signed Part A and B wherever applicable; ▪ Medical Certificate confirming the diagnosis of Critical Illness; ▪ Certificate from attending Medical Practitioner confirming that the claim does not relate to any Pre-existing Illness or Injury or any Illness or Injury which was diagnosed within the first 90 days of the Inception of the Policy. ▪ Discharge Card/Death Summary from the Hospital, if applicable; ▪ Investigation test reports confirming the diagnosis as specified under the definition of the respective Critical Illnesses; ▪ First consultation letter and subsequent prescriptions; ▪ Indoor case papers if applicable; ▪ KYC documents; ▪ Specific documents listed under the respective Critical Illness ▪ In the cases where Critical Illness arises due to an accident, FIR copy or medico legal certificate will also be required wherever conducted. We may call for any additional necessary documents/information as required based on the circumstances of the claim. ▪ In the unfortunate event of the death of the insured person post the survival period, any person claiming on in respect of the Insured Person under the Policy must inform Us in writing immediately.
