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Group Insurance 418 views June 5, 2021
Treatment costs of critical illness can ruin your finances in no time due to rising inflation. Navi COCO Group Criti Surgical Protect Plan could be the best decision for companies wanting to protect employees’ finances from going towards medical expenses on critical illnesses. This plan also provides coverage expenses on surgery during the policy term.
We are showing some of the prominent features of this plan below that you should check.
On this page, we will discuss the features and benefits of the Navi COCO Group Criti Surgical Protect Plan in detail. It will help you understand this plan better. Let’s start!
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Table of Contents
This plan from Navi General Insurance provides several benefits to the insured members under a group. We are showing them below. Please check!
If an insured person is suffering from any of the 45 specified critical illnesses during the policy term (after the waiting period), the policy will pay the sum insured. The list of critical illnesses is divided into six groups. You can check them below.
Group I – Cancer
Group II – Heart Related Illnesses
Group III – Nervous System and Related Illnesses
Group IV – Major Organ Related Illnesses
Group V – Disability
Group VI – Other Major Incidents
During the policy term, if an insured person is undergoing a covered surgery in a hospital, the policy will cover the expenses incurred on it up to the sum insured. The covered surgery should be medically necessary and recommended by a specialist medical practitioner to get the benefit.
If a policyholder meets with an accident during the policy term and the injuries arising from it result in death or disability, Navi COCO Group Criti Surgical Protect Plan will provide up to 100% sum insured.
In case of an accidental permanent total disability, the payable amount will be according to the below table..
Nature of Event | Percentage of the Sum Insured |
---|---|
Actual loss by physical separation of two hands, or | 100 |
Actual loss by physical separation of two entire feet, or | |
Actual loss by physical separation of one entire hand and one entire foot, or | |
Actual loss by physical separation of one entire hand or one entire foot and loss of sight of one eye | |
Sight of both eyes, or | 100 |
Use of two hands, or | |
Use of two feet, or | |
Use of one hand and one foot, or | |
Use of one hand or one foot and loss of sight of one eye. | |
Hemiplegia or Paraplegia or Quadriplegia | 100 |
The policy will pay the sum insured under this benefit if the insured person suffers a specified critical injury, accidental death, or disability during the coverage period. This benefit will be given to the eligible child who is a full-time student in a recognized educational institute at the time of such accident or diagnosis.
Navi Insurance will transfer the benefit amount to the bank account of an eligible child(ren). If the child is a minor, the benefit will be given to the joint account of the legal guardian and minor child. If there is more than one child, the payable amount will be divided equally between them.
If the insured person is advised to undergo a covered surgical procedure during the policy period after the diagnosis of the critical illness, the policy will cover the expenses incurred on the medical second opinion.
If an insured person is unable to pursue the job due to any of the specified critical illnesses, the policy will pay the sum insured to compensate for the loss of income.
An individual between 18 and 65 years can purchase this policy from Navi General Insurance.
You will not get coverage in any of the following situations.