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    1. This product brochure is indicative of terms, conditions, warranties and exceptions contained in the Insurance Policy.
    2. Bharti AXA Life Insurance Company is only the name of the insurance company and Bharti AXA Life Flexi Term is the name of the term insurance product. The name of the product does not in any way indicate the quality of the product, its future prospects.
    3. Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time
    4. Life insurance coverage is available under this policy
    5. Critical Illness coverage is an optional cover available at an additional cost
    6. Riders are optional and available at additional cost
    7. Bharti AXA Life Insurance Company Limited, Registration No.: 130, CIN - U66010MH2005PLC157108 Registered Office: Unit 601 & 602, 6th floor Raheja Titanium, Off Western Express Highway, Goregaon (E), Mumbai-400 063. UIN: 130N072V05

    Terms and conditions

    I. Free-look option:- IIf You disagrees with any of the terms and conditions of the Policy, You have the option to return the original Policy Bond along with a letter stating reasons for the objection within 15 days of receipt of the Policy in case of Offline Policy and within 30 days of receipt of the Policy in case of Policy sourced through distance marketing (i.e. online sales). The Policy will accordingly be cancelled and You will be refunded an amount equal to the Premium paid subject to a deduction of a proportionate risk premium for the period on cover, the expenses incurred by the Company on medical examination (if any) and stamp duty charges. All rights under this Policy shall stand extinguished immediately on the cancellation of the Policy under the free look option.
    If the Policy is opted through Insurance Repository (IR), the computation of the said Free Look Period will be as stated below:- For existing e-Insurance Account: Computation of the said Free Look Period will commence from the date of delivery of the e mail confirming the credit of the Insurance Policy by the IR.
    For New e-Insurance Account: If an application for e-Insurance Account accompanies the proposal for insurance, the date of receipt of the ‘welcome kit’ from the IR with the credentials to log on to the e-Insurance Account(e IA) or the delivery date of the email confirming the grant of access to the eIA or the delivery date of the email confirming the credit of the Insurance Policy by the IR to the eIA, whichever is later shall be reckoned for the purpose of computation of the free look period. II. Suicide Exclusion: In case of death due to suicide within 12 months:
    1. From the date of inception of the policy, the nominee or beneficiary of the policyholder will be entitled to at least 80% of the premiums paid, provided the policy is in force or
    2. From the date of revival of the policy the nominee or beneficiary of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death.
    III. This is a non-participating Policy, i.e. the Policy does not provide for participation in the distribution of surplus or profits that may be declared by the Company.
    IV. Definitions pertaining to Critical Illness Benefit

    1. Cancer of Specified Severity

    I. A malignant tumor characterized by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy. The term cancer includes leukemia, lymphoma and sarcoma.
    II. The following are excluded – i. All tumors which are histologically described as carcinoma in situ, benign, pre-malignant, borderline malignant, low malignant potential, neoplasm of unknown behavior, or non-invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3.
    ii. Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond;
    iii. Malignant melanoma that has not caused invasion beyond the epidermis;
    iv. All tumors of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0
    v. All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
    vi. Chronic lymphocytic leukemia less than RAI stage 3
    vii. Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification
    viii. All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50 HPFs;
    ix. All tumors in the presence of HIV infection

    2. Open Chest CABG

    I. The actual undergoing of heart surgery to correct blockage or narrowing in one or more coronary artery(s), by coronary artery bypass grafting done via a sternotomy (cutting through the breast bone) or minimally invasive keyhole coronary artery bypass procedures. The diagnosis must be supported by a coronary angiography and the realization of surgery has to be confirmed by a cardiologist.
    II. The following are excluded:
    i. Angioplasty and/or any other intra-arterial procedures

    3. Myocardial Infarction (First Heart Attack of Specific Severity)

    I. The first occurrence of heart attack or myocardial infarction, which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for Myocardial Infarction should be evidenced by all of the following criteria: i. A history of typical clinical symptoms consistent with the diagnosis of acute myocardial infarction (For e.g. typical chest pain)
    ii. New characteristic electrocardiogram changes
    iii. Elevation of infarction specific enzymes, Troponins or other specific biochemical markers.
    II. The following are excluded:
    i. Other acute Coronary Syndromes
    ii. Any type of angina pectoris
    iii. A rise in cardiac biomarkers or Troponin T or I in absence of overt ischemic heart disease OR following an intra-arterial cardiac procedure.

    4. Open Heart Replacement or Repair of Heart Valves

    I. The actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy/valvuloplasty are excluded.

    5. Surgery to aorta

    The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches. Keyhole or intra-arterial procedures are specifically excluded.

    6. Cardiomyopathy

    An impaired function of the heart muscle, unequivocally diagnosed as Cardiomyopathy by a Registered Medical Practitioner who is a cardiologist, and which results in permanent physical impairment to the degree of New York Heart Association classification Class III or Class IV, or its equivalent, based on the following classification criteria:
    Class III - Marked functional limitation. Affected patients are comfortable at rest but performing activities involving less than ordinary exertion will lead to symptoms of congestive cardiac failure.
    Class IV - Inability to carry out any activity without discomfort. Symptoms of congestive cardiac failure are present even at rest. With any increase in physical activity, discomfort will be experienced.
    The Diagnosis of Cardiomyopathy has to be supported by echographic findings of compromised ventricular performance. Irrespective of the above, Cardiomyopathy directly related to alcohol or drug abuse is excluded.


    I. An unequivocal diagnosis of Primary (Idiopathic) Pulmonary Hypertension by a Cardiologist or specialist in respiratory medicine with evidence of right ventricular enlargement and the pulmonary artery pressure above 30 mm of Hg on Cardiac Cauterization. There must be permanent irreversible physical impairment to the degree of at least Class IV of the New York Heart Association Classification of cardiac impairment.
    II. The NYHA Classification of Cardiac Impairment are as follows:
    i. Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms.
    ii. Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest.
    III. Pulmonary hypertension associated with lung disease, chronic hypoventilation, pulmonary thromboembolic disease, drugs and toxins, diseases of the left side of the heart, congenital heart disease and any secondary cause are specifically excluded.

    8. Angioplasty*

    I. Coronary Angioplasty is defined as percutaneous coronary intervention by way of balloon angioplasty with or without stenting for treatment of the narrowing or blockage of minimum 50 % of one or more major coronary arteries. The intervention must be determined to be medically necessary by a cardiologist and supported by a coronary angiogram (CAG).
    II. Coronary arteries herein refer to left main stem, left anterior descending, circumflex and right coronary artery.
    III. Diagnostic angiography or investigation procedures without angioplasty/ stent insertion are excluded.
    *A payment benefit equal to INR 500,000 shall be paid under this benefit.

    9. Blindness

    I. Total, permanent and irreversible loss of all vision in both eyes as a result of Illness or Accident.
    II. The Blindness is evidenced by:
    i. corrected visual acuity being 3/60 or less in both eyes or ;
    ii. the field of vision being less than 10 degrees in both eyes.
    III. The diagnosis of blindness must be confirmed and must not be correctable by aides or surgical procedure.

    10. End Stage Lung Failure

    I. End stage lung disease, causing chronic respiratory failure, as confirmed and evidenced by all of the following:
    i. FEV1 test results consistently less than 1 litre measured on 3 occasions 3 months apart; and
    ii. Requiring continuous permanent supplementary oxygen therapy for hypoxemia; and
    iii. Arterial blood gas analysis with partial oxygen pressure of 55mmHg or less (PaO2 < 55mmHg); and
    iv. Dyspnea at rest.

    11. End Stage Liver Failure

    I. Permanent and irreversible failure of liver function that has resulted in all three of the following:
    i. Permanent jaundice; and
    ii. Ascites; and
    iii. Hepatic encephalopathy.
    II. Liver failure secondary to drug or alcohol abuse is excluded.

    12. Kidney Failure Requiring Regular Dialysis

    I. End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner.

    13. Major Organ/Bone Marrow Transplant

    I. The actual undergoing of a transplant of:
    i. One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or
    ii. Human bone marrow using hematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist medical practitioner.
    II. The following are excluded:
    i. Other stem-cell transplants
    ii. Where only islets of Langerhans are transplanted

    14. Apallic Syndrome

    A persistent vegetative state in which patients with severe brain damage (universal necrosis of the brain cortex with the brainstem remaining intact), are in a state of partial arousal rather than true awareness. The Diagnosis must be confirmed by a Specialist Medical Practitioner (Neurologist) and condition must be documented for at least 30 days.

    15. Benign Brain Tumour

    I. Benign brain tumor is defined as a life threatening, non-cancerous tumor in the brain, cranial nerves or meninges within the skull. The presence of the underlying tumor must be confirmed by imaging studies such as CT scan or MRI.
    II. This brain tumor must result in at least one of the following and must be confirmed by the relevant medical specialist.
    i. Permanent Neurological deficit with persisting clinical symptoms for a continuous period of at least 90 consecutive days or
    ii. Undergone surgical resection or radiation therapy to treat the brain tumor.
    III. The following conditions are excluded:
    Cysts, Granulomas, malformations in the arteries or veins of the brain, hematomas, abscesses, pituitary tumors, tumors of skull bones, and tumors of the spinal cord.3

    16. Brain Surgery

    The actual undergoing of surgery to the brain, under general anaesthesia, during which a Craniotomy is performed. Burr hole and brain surgery as a result of an Accident is excluded. The procedure must be considered necessary by a qualified specialist and the benefit shall only be payable once corrective surgery has been carried out.

    17. Coma of Specified Severity

    I. A state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis must be supported by evidence of all of the following:
    i. no response to external stimuli continuously for at least 96 hours;
    ii. life support measures are necessary to sustain life; and
    iii. permanent neurological deficit which must be assessed at least 30 days after the onset of the coma.
    II. The condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or drug abuse is excluded.

    18. Major Head Trauma

    I. Accidental head injury resulting in permanent Neurological deficit to be assessed no sooner than 3 months from the date of the Accident. This diagnosis must be supported by unequivocal findings on Magnetic Resonance Imaging, Computerized Tomography, or other reliable imaging techniques. The Accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes.
    II. The Accidental Head injury must result in an inability to perform at least three (3) of the following Activities of Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word “permanent” shall mean beyond the scope of recovery with current medical knowledge and technology.
    III. The Activities of Daily Living are:
    i. Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;
    ii. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;
    iii. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;
    iv. Mobility: the ability to move indoors from room to room on level surfaces;
    v. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;
    vi. Feeding: the ability to feed oneself once food has been prepared and made available.
    IV. The following are excluded:
    i. Spinal cord injury

    19. Permanent Paralysis of limbs

    I. Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months.

    20. Stroke resulting in Permanent Symptoms

    I. Any cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolization from an extra cranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be produced.
    II. The following are excluded:
    i. Transient ischemic attacks (TIA)
    ii. Traumatic injury of the brain
    iii. Vascular disease affecting only the eye or optic nerve or vestibular functions

    21. Alzheimer's disease

    Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's Disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. This diagnosis must be supported by the clinical confirmation of an appropriate Registered Medical practitioner who is also a neurologist and supported by the Company’s appointed doctor.
    The following are excluded:
    o Non-organic disease such as neurosis and psychiatric illnesses;
    o Alcohol-related brain damage
    o Any other type of irreversible organic disorder/dementia

    22. Motor Neuron Disease with permanent symptoms

    I. Motor neuron disease diagnosed by a specialist medical practitioner as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be progressive degeneration of corticospinal tracts and anterior horn cells or bulbar efferent neurons. There must be current significant and permanent functional neurological impairment with objective evidence of motor dysfunction that has persisted for a continuous period of at least 3 months.

    23. Multiple Sclerosis with persisting symptoms

    I. The unequivocal diagnosis of Definite Multiple Sclerosis confirmed and evidenced by all of the following:
    i. investigations including typical MRI findings which unequivocally confirm the diagnosis to be multiple sclerosis and
    ii. there must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months
    II. Other causes of neurological damage such as SLE and HIV are excluded.

    24. Muscular Dystrophy

    Diagnosis of muscular dystrophy by a Registered Medical Practitioner who is a neurologist based on three (3) out of four (4) of the following conditions:
    i. Family history of other affected individuals;
    ii. Clinical presentation including absence of sensory disturbance, normal cerebrospinal fluid and mild tendon reflex reduction;
    iii. Characteristic electromyogram; or
    iv. Clinical suspicion confirmed by muscle biopsy.
    The condition must result in the inability of the Life Assured to perform (whether aided or unaided) at least three (3) of the six (6) ‘Activities of Daily Living’ as defined, for a continuous period of at least six (6) months.

    25. Parkinson’s disease

    Unequivocal Diagnosis of Parkinson’s disease by a Registered Medical Practitioner who is a neurologist where the condition:
    i. Cannot be controlled with medication;
    ii. Shows signs of progressive impairment; and
    iii. Activities of Daily Living assessment confirms the inability of the Insured to perform at least three (3) of the Activities of Daily Living as defined in the Policy, either with or without the use of mechanical equipment, special devices or other aids or adaptations in use for disabled persons.
    Drug-induced or toxic causes of Parkinson’s disease are excluded.

    26. Poliomyelitis

    The occurrence of Poliomyelitis after the policy inception where the following conditions are met:
    i. Poliovirus is identified as the cause and is proved by Stool Analysis,
    ii. Paralysis of the limb muscles or respiratory muscles must be present and persist for at least 3 months.

    27. Loss of Limbs

    The physical separation of two or more limbs, at or above the wrist or ankle level limbs as a result of injury or disease. This will include medically necessary amputation necessitated by injury or disease. The separation has to be permanent without any chance of surgical correction. Loss of Limbs resulting directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded.

    28. Deafness

    I. Total and irreversible loss of hearing in both ears as a result of Illness or Accident. This diagnosis must be supported by pure tone audiogram test and certified by an Ear, Nose and Throat (ENT) specialist. Total means “the loss of hearing to the extent that the loss is greater than 90decibels across all frequencies of hearing” in both ears.

    29. Loss of Speech

    I. Total and irrecoverable loss of the ability to speak as a result of injury or disease to the vocal cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, Throat (ENT) specialist.
    II. All psychiatric related causes are excluded.

    30. Medullary Cystic Disease

    Medullary Cystic Disease where the following criteria are met:
    o The presence in the kidney of multiple cysts in the renal medulla accompanied by the presence of tubular atrophy and interstitial fibrosis;
    o Clinical manifestations of anaemia, polyuria, and progressive deterioration in kidney function; and
    o The Diagnosis of Medullary Cystic Disease is confirmed by renal biopsy. Isolated or benign kidney cysts are specifically excluded from this benefit.

    31. Systematic Lupus Erythematosus with Renal Involvement

    Multi-system, autoimmune disorder characterized by the development of auto-antibodies, directed against various self-antigens. For purposes of the definition of “Critical Illness”, SLE is restricted to only those forms of systemic lupus erythematosus, which involve the kidneys and are characterized as Class III, Class IV, Class V or Class VI lupus nephritis under the Abbreviated International Society of Nephrology/Renal Pathology Society (ISN/RPS) classification of lupus nephritis (2003) below based on renal biopsy.
    Other forms such as discoid lupus and those forms with only hematological and joint involvement are specifically excluded.
    Abbreviated ISN/RPS classification of lupus nephritis (2003):
    • Class I - Minimal mesangial lupus nephritis
    • Class II - Mesangial proliferative lupus nephritis
    • Class III - Focal lupus nephritis
    • Class IV - Diffuse segmental (IV-S) or global (IV-G) lupus nephritis
    • Class V - Membranous lupus nephritis
    • Class VI - Advanced sclerosing lupus nephritis
    The final diagnosis must be confirmed by a certified doctor specializing in Rheumatology and Immunology

    32. Third Degree Burns

    I. There must be third-degree burns with scarring that cover at least 20% of the body’s surface area. The diagnosis must confirm the total area involved using standardized, clinically accepted, body surface area charts covering 20% of the body surface area.

    33. Aplastic Anemia

    Irreversible persistent bone marrow failure which results in anemia, neutropenia and thrombocytopenia requiring treatment with at least two
    (2) of the following:
    i. Blood product transfusion;
    ii. Marrow stimulating agents;
    iii. Immunosuppressive agents; or
    iv. Bone marrow transplantation
    The Diagnosis of aplastic anemia must be confirmed by a bone marrow biopsy. Two out of the following three values should be present:
    - Absolute Neutrophil count of 500 per cubic millimeter or less;
    - Absolute Reticulocyte count of 20,000 per cubic millimeter or less; and
    - Platelet count of 20,000 per cubic millimeter or less.

    34. Pericardectomy

    The actual undergoing of pericardiectomy secondary to chronic constrictive pericarditis.
    The following are specifically excluded:
    - Chronic constrictive pericarditis related to alcohol or drug abuse or HIV
    - Acute pericarditis due to any reason.

    V. Conditions for Critical Illness Benefit

    i. In case of occurrence of any Critical Illness (other than Angioplasty), SumAssured on Critical Illness will be payable only after completion of Survival Period.
    ii. In case of Angioplasty, payout will be equal to INR. 5,00,000. The Sum Assured on Critical Illness, after deducting the Angioplasty payout, will be payable for any subsequent claim other than Angioplasty. In such a scenario all future premiums will also reduce correspondingly in respect of the reduced Sum Assured on Critical Illness.
    iii. Any Critical Illness can be claimed only once
    iv. Once the Sum Assured on Critical Illness is exhausted, the Critical Illness benefit will terminate and no future premiums need to be paid under this policy.
    v. Waiting period of 90 days shall be applicable from the Date of Commencement of Risk or date of Revival whichever is later, during which no Critical Illness benefit shall be payable. Any condition diagnosed or its signs or symptoms occurring during the Waiting Period will be excluded/not covered under this policy.
    In the event of occurrence of any covered Critical Illness during the waiting period, the Company will refund the premiums corresponding to the Critical Illness Benefit from Date of Commencement of Risk or date of Revival as applicable. The Critical Illness Benefit will terminate with immediate effect and Life Cover will continue unaltered.
    No waiting period applies where Critical Illness is due to Accident.
    vi. Survival Period shall be 30 days from the date of occurrence of covered Critical Illness (depending on the definition of condition covered – either from the date of diagnosis or date of actual undergoing operation/surgery). In event of Death during Survival Period, no Critical Illness (CI) Benefit will be paid.
    vii. The benefit is payable irrespective of the actual expenses incurred by the Life Insured. For any claim to be valid under this Policy, the incidence of the condition must be the first occurrence in the lifetime of the Life Insured.
    viii. In no circumstances Sum Assured on Critical Illness shall exceed the Base Sum Assured. The Policy term for Critical Illness benefit will be equal to Policy term for Death Benefit.
    ix. If multiple conditions are diagnosed within a period of 30 days from the date of occurrence of the first condition, all such conditions shall be compared and the one with the highest payout will be admitted (irrespective whether the diagnosis is made in a single hospitalization or multiple hospitalizations).
    x. Critical Illness Benefit will not be paid in event of occurrence of conditions mentioned under the Exclusions.

    VI. Exclusions for Critical Illness Benefit

    In addition to the condition specific exclusions mentioned in the definitions above, the following exclusions shall apply to the Critical Illness benefits admissible under this Policy.
    i. Any condition that is pre-existing and declared at the time of inception of the Policy. Benefits under this Policy will not be available for any Pre-Existing Disease or condition(s) until 48 consecutive months of continuous coverage have elapsed since the Date of Commencement of Risk. In case of Revival of the Policy, only the remaining part, if any, of the 48 month waiting period applies.
    ii. Failure to seek or follow medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this Policy.
    iii. Self-inflicted injuries, suicide, insanity, and immorality, and deliberate participation of the Life Insured in an illegal or criminal act.
    iv. Use of intoxicating drugs/alcohol/solvent, taking of drugs except under the direction of a qualified Medical Practitioner (as defined below).
    Qualified Medical Practitioner is a person who holds a valid registration from the medical council of any state or medical council of India or council for Indian Medicine and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of his license. Medical Practitioner shall not include the Policyholder’s Spouse, Father (including step father) or Mother (including step mother), Son (including step mother), Son (including step son), Son’s wife, daughter (including step daughter), daughter’s husband, Brother (including step brother) and Sister (including step sister) or Life Insured/Policyholder under this Policy and would be independent to the insurer.
    v. War, civil commotion, breach of law, invasion, hostilities, rebellion, revolution, military or usurped power or willful participation in acts of violence.
    vi. Radioactive contamination due to nuclear Accident.
    vii. Diagnosis and treatment outside India. However, this exclusion shall not be applicable in the following countries: Canada, Dubai, Hong Kong, Japan, Malaysia, New Zealand, Singapore, Switzerland, USA, and countries of the European Union. The company may review the above list of accepted foreign countries from time to time and any changes would be subject to prior approval from IRDAI. Claims documents from outside India are only acceptable in English language unless specifically agreed otherwise, and duly authenticated.
    viii. Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immuno-deficiency Virus (HIV)
    ix. Aviation other than as a fare paying passenger or crew in a commercial licensed aircraft.
    x. Treatment for Injury or Illness caused by avocations/activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.
    xi. Any treatment of a donor for the replacement of an organ.
    VII. Premium Rates for Critical Illness Benefit
    Premium Rates are guaranteed for the first 5 years of the Policy. After that, the Company may revise the premium rates (upwards or downwards) subject to experience. The revised premium rates will remain guaranteed for a period of 5 years from the date of review. The revised premium rates shall become effective after the prior approval of Insurance Regulatory and Development Authority of India (IRDAI)


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