Total and Permanent Disability means accidental injuries which, within 180 days from the happening of such accident and independently of all other causes, results in:

• rrecoverable loss of entire sight in both eyes; or
• amputation or loss of use, of both hands at or above the wrist; or
• amputation or loss of use, of both feet at or above the ankles; or
• amputation or loss of use, of one hand at or above the wrist and one foot at or above the ankle,such that the life insured becomes incapable of engaging in any gainful activity or carrying out any work, occupation, or profession to earn or obtain any wages, compensation, remuneration or profit.

Total and Permanent Disability means accidental injuries which, within 180 days from the happening of such accident and independently of all other causes, results in:

• Irrecoverable loss of entire sight in both eyes; or
  

The lower of base face amount or Rs. 40 Lacs

Gives an additional benefit upon diagnosis of any of the ten diseases viz – Heart Attack, Cancer, Stroke, CABG, Multiple Sclerosis, Kidney Failure, Major Organ Transplant, Paralysis, COMA, Heart Valve Replacement/Repair

Subject to underwriting