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All of us aim for a long and illness-free life. However, as human beings we are prone to various illnesses and may contract various diseases. Though there are innumerable medical facilities and technologies available today to cure almost every illness, the cost attached to it quite high. These are the times you may need the assistance of a health insurance plan to manage these unforeseen situations and expenses. Illnesses strike without prior warning and that's the reason why you should possess a good health cover, which would insure you against various illnesses and guarantee financial security should you require any treatment. The health covers would provide you peace of mind and allow you to focus your time energy on other important things in life.
Max New York Life's LifeLine-Wellness™ Plus health plan provides a wonderful benefit system in terms of long tenure of coverage, coverage for 38 critical illnesses and tax benefit.
| Criteria |
Eligibility |
| Age At entry |
18 years to 60 years |
| Option for policy term |
10, 15 or 20 years |
| Maximum age at maturity |
75 years |
| Premium Guarantee |
5 Years i.e subject to the revision with IRDA approval. Premium is renewed every 5 years through the term of your plan |
| Premium Limits |
Minimum: Rs. 2,500 (Yearly Mode)
and Rs. 1,300 (Half Yearly Mode) |
| Waiting Period |
180 days from policy commencement |
| Reinstatement after Lapse |
Allowed only till 6 months based on declaration of good health |
| Waiting Period after Reinstatement |
90 days from policy revival date |
| Coverage Choice |
Life Line - Wellness Plus™ Plan |
| Number of Units |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
| Sum Assured (in lacs) |
2 |
4 |
6 |
8 |
10 |
12 |
14 |
16 |
18 |
20 |
Example: If you take 5 units of Wellness Plus you have bought yourself a sum assured of 10 lacs as per the table above.
List of Covered Critical Illness Conditions under LifeLine- Wellness™ Plan
| The list of covered conditions are divided into 3 groups |
| Group 1 |
Group 2 |
Group 3 |
| Claim - 25% of SA. |
Claim - 50% of SA. |
Claim - 100% of Sum |
| Policy Continues with the |
Policy Continues with the Balance |
Assured |
| Balance Sum Assured |
Sum Assured |
Policy discontinued |
Alzheimer’s Disease |
Angioplasty and other Invasive |
Apallic Syndrome |
Blindness |
Treatment for Coronary Artery |
Aplastic Anaemia |
Deafness |
Disease |
Brain Surgery |
Loss of Speech |
Benign Brain Tumor |
Cancer |
Medullary Cystic Disease |
Cardiomyopathy |
Coma |
Motor Neuron Disease |
End Stage Lung Disease |
Coronary Artery By- |
| Muscular Dystrophy |
Heart Attack |
pass Surgery |
| |
Heart Valve Surgery |
Kidney Failure |
Major Burns |
End- Stage Liver |
Multiple Sclerosis |
Disease |
| Multiple Trunk Avulsions of the |
Loss of Independent |
| Brachial Plexus |
Existence |
Necrotizing Fascitiis |
Loss of Limbs |
Paralysis or Paraplegia |
Major Head trauma |
Parkinson’s Disease |
Major Organ |
Primary Pulmonary Hypertension |
Transplant |
Poliomyelitis |
Stroke |
| Systemic Lupus Erythematosus |
Surgery of Aorta |
| |
Terminal Illness |
| Total Permanent |
| Disability(to Age 65) |
Benefits under LifeLine - Wellness™ Plan
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| You can avail benefits on the happening of any of the above events and fulfilling the following 3 conditions |
- Confirmed by a registered medical practitioner, including a relevant specialist acceptable to the company (the cost of which shall be borne by the policyholder).
- Provided the life insured has survived for at least 28 (Twenty eight) days after the happening of the insured event..
- The life insured filing with the company all the required claim documents within 60 days of the date of the happening of the insured event.
- A claim with respect to any particular critical illness, if paid, shall not be payable again.
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Special Benefits: APEX MEDICAL OPINION (Second Medical Opinion)
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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum
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