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Aapat Suraksha Bima Policy provides cover on lump sum basis to support the insured and/or the nominee against a sudden and unexpected expenditure (other than the medical treatment expenses) on diagnosis of the fullowing major diseases like:

  • Paralytic Stoke
  • Cancer
  • Renal Failure
  • Coronary Artery Disease
  • Major Organ Transplant

The Policy shall also provide protection to the family against the unfortunate accidental death and/or permanent total disablement of the insured.

Policy Coverage

Aapat Suraksha Bima undertakes to pay a lump sum amount as selected by the proposer at inception on happening of an eventuality mentioned in the Policy. The Policy pays one time payment equal to the sum insured on conclusive diagnosis of existence of any of the five critical illnesses ,or occurrence of accidental death and/or permanent total disablement resulting from an accident.

Critical Illness

The Policy provides for three different options as under:

  • Paralytic Stroke
  • Cancer
  • Renal Failure
  • Coronary Artery Disease
  • Major Organ Transplant

Accidental Death Cover

The nominee gets a one time payment equal to Capital Sum Insured if the insured dies in an accident.

Permanent Total Disablement

The insured is entitled to receive the percentage of the capital sum insured as per the table of benefit if he suffers a permanent and total loss of limbs , sight in an accident.

What is not covered under the Policy

    • Any illness diagnosed within first 90 days of the Policy taken for the first time
    • Any pre existing illness
    • Any accident resulting from intentional self injury, suicide or whilst the insured is under the influence of intoxication
    • The insured dies or suffers from permanent disablement whilst taking part in an adventure sports as a professional or whilst travelling in an aircraft in any capacity other than as a fare paying passenger in a scheduled flight
    • Death within 30 days fullowing the diagnosis of the Critical Illness

Note: The above are only the salient features of the Policy , for complete terms and conditions please refer to Policy Wordings.