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.

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.

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.

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 .

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.