Axis Max Life - Cancer Insurance plan

1. A Comprehensive cancer insurance plan covering all stages of cancer with following benefits:
a. Diagnosis of Carcinoma in Situ (CiS) 20% of indexed sum insured + Waiver of all future premiums till end of policy term
b. Diagnosis of Early stage cancer 20% of indexed sum insured + Waiver of all future premiums till end of policy term
c. Diagnosis of Major stage cancer 100% of indexed sum insured less CiS/Early stage cancer claim paid + income benefit equals to 10% of basic sum insured is payable for a period of up to 5 years from next policy anniversary.
2. Indexation of Sum Insured
The product offers an inbuilt-indexation benefit; where in the Sum Insured under the product increases by 10% (simple rate) on each policy anniversary till the time no claim has been admitted in the past; up to a maximum of 150% of the Basic Sum Insured at the start of the Policy.

Maximum 65 Years

Minimum 10 Years
Maximum 40 Years

Minimum: Rs. 10 Lacs
Maximum: Rs. 50 Lacs
Please note that the Sum Insured can be chosen only in intervals of Rs. 5 Lacs. You have option to select Sum Insured of Rs. 10 Lacs, Rs. 15 Lacs, Rs. 20 Lacs, Rs. 25
Lacs, Rs. 30 Lacs, Rs. 35 Lacs, Rs. 40 Lacs, Rs. 45 Lacs and Rs. 50 Lacs.
The product offers an inbuilt-indexation benefit; where in the Sum Insured under the product increases by 10% (simple rate) on each policy anniversary till the time no
claim has been admitted in the past; up to a maximum of 150% of the Basic Sum Insured at the start of the Policy.
Maximum Sum Insured under this plan will be Rs. 75 Lacs after allowing in-built indexation benefit (subject to no claim during indexation period).

You have a period of 15 days (30 days if the policy is sourced through Distance Marketing modes) from the date of receipt of the Policy document, to review the terms and conditions of the Policy, where if the Policyholder disagrees to any of those terms and conditions, he/she has the option to return the Policy stating the reasons for objection. The Policyholder shall be entitled to a refund of the premiums paid, subject only to deduction of a proportionate risk premium for the period of cover and the expenses incurred by the company on medical examination of the Life Insured and stamp duty charges.
The following distance marketing modes are applicable for this product:
* Voice mode, which includes telephone-calling;
* Short Messaging service (SMS);
* Electronic mode which includes e-mail, internet and interactive television (DTH);
* Physical mode which includes direct postal mail and newspaper and magazine inserts.

We will not pay any benefit under this policy in respect of any Cancer resulting directly or indirectly from or in respect of any of the following:
* Pre-existing condition: Defined as a cancer condition (primary or metastatic); pre-cancerous condition or related condition(s) for which the insured had signs or symptoms, and/or was diagnosed, and/or received medical advice/treatment within 48 months prior to the date on which the policy was issued or reinstated whichever is later. Please note that pre-existing condition not related to cancer will not be excluded.
* Caused or contributed by (in whole or in part) Sexually Transmitted Diseases AIDS or HIV.
* Caused or contributed by (in whole or in part) any of the following:
- Intoxication by alcohol or narcotics or drugs not prescribed by a Registered Medical Practitioner.
- Nuclear, biological or chemical contamination (NBC)
Claims documents from outside India are only acceptable in English language unless specifically agreed otherwise and duly authenticated.