COCO CritiCare - Navi General Insurance

Having a COCO CritiCare product in place is important. So, if you're faced with a critical illness you don't have to change your financial security plans and goals. We will pay you one-time lump sum payment upon diagnosis and you can use the amount however you want. This gives you flexibility to keep your finances on track so you can focus on recovery and on becoming mentally and physically well again.

I. Features

1. Coverage - This policy is designed to offer below 16 coverages in order to take care of your total wellbeing.
1 Critical Illness (41 Illnesses )
2 She Smart
3 Additional Critical Illness
4 Second Critical Illness
5 Personal Accident
6 Medical Inflation Bonus
7 Child Tuition Benefit
8 Medical Second Opinion
9 Health Check Up
10 Counselling
11 Fixed Premium Guarantee
12 Cancer Seek
13 Cancer Relapse
14 Adjuvant Therapy
15 Cancer Support
16 Care Restore

2. Broad Range of Plans - Flexibility to choose from 10 plans with varied benefits.

3. Waiting Period - You have got the option to select the waiting period of your choice Waiting Period 90 days (You can opt to reduce it to 60 days / 30 days).

4. Eligibility - Minimum age at entry under this Policy is 18 years and Maximum age at entry is 65 years.
However, for She Care plan(s) or My COCO CritiCare plan having She Smart cover, maximum entry age is restricted to 55 years.
For Dependent Children, there is no maximum age restriction if he / she is completely financially dependent on Parents with no source of independent income and has not established his/her own independent households.

Renewals will be available for lifetime upon payment of premium.

5. Policy Period Option - Policy can be issued or renewed for one (1), two (2) or three (3) continuous years at the option of the Insured.

6. Sum Insured to Individual & Family - This policy can be issued to an individual and/or a family on an Individual Sum Insured basis.

7. Family Composition - Family includes - Self, Spouse, Dependent Children, Parents, Parents-in Law, and Dependent Siblings.

8. Sum Insured Options & Eligibility - The Policy is available for a Sum Insured from 1 Lac to 10 Lacs in multiples of 1 Lac; thereafter in the multiples of 5 Lac up to a maximum of 25 Lacs.

9. Premium - The Premium charged on the Policy will depend on the Plan, Sum Insured, Policy tenure , Age & Optional coverages opted. Additionally, the health status of the individual will also be
considered.

10. Discounts under the Policy - You can avail the following discounts on the applicable Premium on your Policy. These discounts are applicable on renewal policies also.

Additional Family Member Discount: You can avail a discount for every additional family member added to the same Policy. A discount of 5% shall be offered on premium of every family member.

Long Term Policy Discount: You can avail a long-term discount of 8% & 15% on selecting a 2 year and 3-year Policy respectively. Long Term Discount will apply only in case of Single Premium Policies.

Online Sourcing Discount / Direct Channel Discount: You can avail a 15% discount if you buy this Policy from us online or under direct channel without any intermediary.

Navi Duniya Discount (Loyalty Discount): 5% discount shall be offered on purchase of new policy if you are an existing customer of Navi General Insurance Limited.

Discount for higher Sum Insured - You can avail following discounts on opting higher sum insured. Sum Insured Discount
1 lakh to 5 lakhs - 0%
6 lakhs to 10 lakhs - 2.5%
15 lakhs - 4%
20 lakhs - 5%
25 lakhs - 6%

11. Income Tax Benefit - Premium paid under the Policy shall be eligible for income tax deduction benefit under Section 80 D as per the Income Tax Act, 1961. (Tax benefits are subject to change as per the tax laws).

12. Pre-Policy Medical Check Up - We will require you to undergo a medical check-up based on your Age (grid mentioned below). Wherever any pre-existing disease or any other adverse medical history is declared, we may ask such member to undergo specific tests, as we may deem fit to evaluate such member, irrespective of Age/ Sum Insured/ Plan opted. Medical tests will be facilitated by us and conducted at our network of diagnostic center's. We will contact You and fix an appointment for the Medical tests to be conducted at a time convenient to you.

Medical tests will be valid for a period of 1 month only. Wherever required, we may request for additional medical tests to be conducted based on the declarations on the proposal form and the results of any medical tests that we have received.

II. What are the Exclusions?
We will not pay for any claims arising directly or indirectly from:

A. STANDARD EXCLUSIONS

i. Substance related and Abusive Disorders - Dependency on or abuse of intoxicants or hallucinogenic substances or drugs (unless prescribed by the Medical Practitioner) and any Illness or Injury arising directly or indirectly from such dependency or abuse.

ii. Breach of Law - Insured Person committing or attempting to commit a breach of law with criminal intent.

iii. Chemical and Nuclear Exposure - Nuclear Weapons/materials, radiations of any kind, contamination by radioactive material, nuclear waste, nuclear fuel or from the combustion of nuclear fuel, chemical or biological Weapons.

iv. War - War, invasion, act of foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts.

B. EXCLUSIONS SPECIFIC TO THE POLICY WHICH CANNOT BE WAIVED

i. Pre-Existing Disease - Any Covered Critical Illness arising out of Pre-Existing Disease prior to first Policy Period Start Date.

ii. Self-Inflicted Injuries or Attempted Suicide - Self-inflicted Injury or suicide, attempted suicide while sane or insane.

iii. External Congenital anomaly, disease or defects

[B]iv. Dangerous Acts (Adventure/Professional Sports/Defence Operation) - Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing etc. in a professional nature.
Participation in any flying activity, except as a bonafide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable.

v. Unrecognized Physician - Certification/Diagnosis/treatment from persons not registered as Medical Practitioners, or from a Medical Practitioner who is practicing outside the discipline that he/she is licensed for.

vi. Maternity and Pregnancy - Pregnancy (including voluntary termination), miscarriage (unless due to an Accident), childbirth, maternity (including Caesarean section), abortion or complications of any of these.

vii. Experimental or Unrecognized Treatment - Treatments which are experimental, investigational or unproven, which are not consistent with or incidental to the Diagnosis and treatment of the positive existence, pharmacological regimens, stem cell implantation/ therapy or Surgery.