1 Total and Permanent Disability (TPD) benefit will cease upon attaining age 70.
2 The Critical Illnesses (CI) covered are Stroke, Heart Attack, Kidney Failure, Cancer, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease, End-Stage Liver Failure, Fulminant Viral Hepatitis, Coma, Benign Brain Tumor, Paralysis Of Limbs, Blindness, Deafness, Third Degree Burns, HIV Infection Due To Blood Transfusion, Full-Blown AIDS, End-Stage Lung Disease, Encephalitis, Major Organ / Bone Marrow Transplant, Loss Of Speech, Brain Surgery, Heart Valve Surgery, Loss Of Independent Existence, Bacterial Meningitis, Major Head Trauma, Chronic Aplastic Anaemia, Motor Neuron Disease, Parkinson’s Disease, Alzheimer’s Disease / Severe Dementia, Surgery To Aorta, Multiple Sclerosis, Primary Pulmonary Arterial Hypertension, Medullary Cystic Disease, Cardiomyopathy and Systemic Lupus Erythematosus With Severe Kidney Complications.
3 Before the Life Assured reaches the age of five next birthday, the Amount of Benefit for Non-accidental Death Benefit, Non-accidental TPD Benefit or Terminal Illness Benefit that we pay shall be in line with the following Scale of Benefit:
|Age Next Birthday (years)
||Percentage (%) of the Amount of Benefit Payable
|5 and above
Amount of Benefit refers to the Sum Assured applicable. In the event that the Amount of Benefit payable after applying juvenile lien is lower than 125% of the total premiums paid (including the portion of premiums waived, if any) or surrender value at the date of event, we shall pay the higher of either 125% of the total premiums paid (including the portion of premiums waived, if any) or the surrender value. Juvenile lien is not applicable to Accidental Death, Accidental TPD, Guaranteed Cash Payment, Waiver of Premium or Critical Illness Income benefit.