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Health Insurance 486 views June 2, 2021
Navi COCO CritiCare Plan provides you financial protection against medical expenses arising from critical illnesses or accidents. Check out the coverage of Navi COCO CritiCare Plan as mentioned below –
Read this page further and know about the coverage of Navi COCO CritiCare Plan in detail.
Table of Contents
You’ll get the following benefits if you purchase this policy from Navi General Insurance.
Critical Illness Cover: The insurer will pay the sum insured as specified in the policy schedule if you are diagnosed with any of the following critical illnesses during the policy period –
SheSmart Cover: Here, the insurer will pay the sum insured as specified in the policy schedule if the insured is diagnosed with any of the following critical illnesses during the policy period –
Note: This coverage benefit is applicable for female insured persons aged between 18 and 55 years.
Additional Critical Illness Cover: The insurer will pay the sum insured as specified in the policy schedule if you are diagnosed with any of the following during the policy period –
Note: Nothing shall be payable under this benefit if you have already made a claim under critical illness cover for the same body organ or the malignant cells.
Second Critical Illness Cover: You’ll get coverage for a Second Critical Illness under this policy only once during the lifetime of the policy, provided it is renewed continuously without any break. The second critical illness is admissible for the claim if it is diagnosed one year after the diagnosis of the first critical illness.
Personal Accident Cover: The insurer will pay the sum insured as specified in the policy schedule if you suffer an injury due to an accident and die within twelve months from the date of such an incident.
Note: This benefit is payable in case of disappearance if the insured’s body has not been found within twelve months after the forced landing, stranding, sinking or wrecking of a conveyance.
Medical Inflation Bonus: Your policy sum insured will be enhanced by 10% on renewal. This benefit is subject to the following conditions:
Child Tuition Benefit: The insurer will pay an amount as stated in the policy schedule against this benefit if a claim has been made under Critical Illness Cover, Second Critical Illness and Personal Accident Cover. This benefit will be payable only once for each claim accepted under Critical Illness Cover, Second Critical Illness and Personal Accident Cover during the lifetime of this policy.
Note: The insurer will pay this benefit if your dependent child is a full-time student in any educational institute at the time of accidental death or critical illness diagnosis.
Medical Second Opinion: The insurer will organize a second medical opinion from its listed providers if you request the same.
Note: This benefit is available only once for each critical illness during the policy period.
Free Health Check-up: If no claim has been made under this policy for two policy years and the policy is renewed without any break, you will be entitled to a free health check-up benefit.
Counseling Session: Under this policy, you’ll also get coverage for counseling sessions if you are diagnosed with a specified critical illness in a policy year. A total of five sessions is allowed under this policy. The maximum liability is limited to INR 1,500/- per session or actual, whichever is less.
Fixed Policy Premium: The policy premium amount will remain fixed for six consecutive years, provided the policy is renewed continuously without any break.
Note: This benefit is valid as long as there is no change in plan or coverages at the time of renewal.
Cancer Seek: If no claim has been made under this policy for 3 policy years, at the end of every three claim-free policy years, you’ll get coverage for cancer screening at the empanelled service provider.
Cancer Relapse: The insurer will pay the sum insured as stated in the policy schedule if you are diagnosed with relapse or recurrence of cancer, provided you have already filed a claim earlier for the relapse or recurrence of cancer under Critical Illness Cover. This benefit is available only once during the policy period, provided relapse or recurrence of cancer is diagnosed two years after a complete remission or from the date of last treatment/therapy.
Adjuvant Therapy: If you are diagnosed with Cancer of Specified Severity/Major cancer and Adjuvant Therapy is advised by the specialist medical practitioner, the insurer will cover expenses for such treatment up to the sum insured as specified in the policy schedule
Note: This benefit is available if you have already filed a claim against Cancer of Specified Illness or Major stage of cancer under this policy.
Cancer Support: If you file a claim in respect of Early Stage Cancer, Intermediary Stage of Cancer, Cancer of Specified Severity/Major Stage Cancer, you can avail of the below-mentioned additional support from the insurer –
Care Restore: The insurer will restore the sum insured if you are diagnosed with Second Primary Cancer, provided earlier you have claimed the benefit under Critical Illness Cover as a first incidence.
Reduction of waiting period: The initial waiting period stands reduced to the duration as specified in the policy schedule.
The insurer shall not cover the medical expenses arising out of the following under this policy –
The insurer provides you a free look period of 15 days from the date of receipt of the policy document to review the terms and conditions and return the same if you have any objections. You can cancel the policy stating the reasons for it. Subsequent to cancellation, the insurer will refund your paid premiums after reducing the medical check-up expenses, stamp duty charges and proportionate risk premium.
Note: You can cancel this policy during the free look period only if you have not made any claims under this policy.
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