This advertisement is designed for combination of benefits of two individual and separate products named Aviva i-Life and Aviva Health Secure. The customer has the choice of purchasing any one or more products as per his/her need and choice. There is no compulsion whatsoever that these products are to be taken together as suggested by the insurer and presented in this advertisement. The customer is expected to ask questions, understand and satisfy himself that the combination meets his/her specific needs better before deciding to purchase the combination. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein.
Life today is full of uncertainties. To ensure our family is secure, in case something unfortunate happens to us, we need adequate life cover. But this is not enough. There are unforeseen risks that we often choose to ignore. The increasing health challenges posed by our high pressure sedentary lifestyle can turn into critical illnesses. Hence, it is important to leave nothing uncovered.
Aviva Extra cover is a unique combination of Aviva i-Life and Aviva Health Secure that gives you comprehensive protection with a life cover at nominal cost, and pays you a lump sum on diagnosis of 12 critical illnesses.
What are the benefits?
In case of your unfortunate death during the policy term, the Sum Assured will be paid to the beneficiary in your family to take care of their future needs.
Critical Illness Benefit:
The Sum Assured will be paid in case of diagnosis of any of the 12 major critical illnesses covered under the product.
The premium for Critical Illness cover will not change for the first five years. However, the premium will be reviewable every five policy years at the policy anniversary, after approval from the IRDA of India. Such review of premium rates will be performed by the Company at the beginning of the calendar year and premium rates after review would only be applicable for the contracts for which the review falls due in that year.
Only conditions described as critical illness in the Aviva Health Secure brochure are covered under this policy. Sum Assured is payable, provided the life insured survives for 30 days after the diagnosis of critical illness. A policyholder can claim at the first diagnosis of any critical illness, provided the critical illness has been diagnosed after 90 days of the policy commencement date or the date of reinstatement.
No maturity benefit is payable under this product combination.
- 100% Sum assured as lump sum on death – Covers all forms of death only exclusion is suicide within one year
- Cover for 12 major critical illness
- A hassle-free online application process, without any tedious paperwork
- A 30-day Free-Look period to review detailed terms and conditions
- High Sum Assured Discounts
- Low premium rates for non-smokers for life cover