SECURE CRITICAL ILLNESS

	Almost every one has a relative or a friend who has suffered from a critical, possibly fatal illness. Often such families are afflicted upon serious financial strains. It is essential that you should be able to maintain your quality of life should you unfortunately suffer a critical illness. To ensure your well being and that of your loved ones NJI Life offers one of the most comprehensive Critical Illness cover.
	Illness and conditions covered
	1. Cancer 2. Coronary artery bypass graft surgery (CABGS) 3. Heart Attack 4. Renal Failure 5. Stroke 6. Surgery of Aeorta 7. Blindness 8. Heart Value Replacement 9. Major Organ Transplant 10. Multiple Sclerosis 11. Paralysis 12. Aplastic Anemia 13. Benign Brain Tumor 14. Deafness 15. End stage Lung Disease 16. Loss of Limbs 17. Loss of Speech 18. Major Head Trauma
	Exact definitions of the diseases are available in the policy documents.
	Benefits
	The aim of the cover is to provide a lump sum (sum assured) if the insured is diagnosed as having one of the Critical Illness (specified above), during the currency of the cover, provided the insured survives for thirty days after diagnosis. Maximum benefit under the plan can rise up to Rs. 1.5 million. In case death of the insured occurs within thirty days period or due to reasons other than critical illness, 10 % of the sum assured will be paid to the affected family. The cover under the plan would commence after 90 days of issuance of the policy.
	Premium
	Minimum annual premium for the Critical Illness plan is fixed at Rs. 2500 at present (including policy fee Rs. 300). The premium payment term varies according to the term of the policy.
	Policy Term Premium Payment Term 5 3 6 4 7 5 8 5 9 6 10 6 11 7 12 8 13 8 14 9 15 10
	Admissible Ages and Terms
	The age at entry should be between 20 and 50 years nearest birthday. The cover will last between 5 to 15 years, as chosen by the policy holder. Policy cover terminates at the age of 60 of the life assured .
	Exclusions
	Critical illness being caused or aggravated by any condition existing prior to the commencement date of the policy, self inflicted injury, pregnancy and related conditions, AIDS and sexually transmitted disease are not covered under the plan. This brochure is written in nontechnical language, and is not intended as a complete comprehensive description of the coverage. The controlling provisions are in the policy Document. This brochure does not modify that document or the insurance in any way. For detailed information, please see the policy Document.