Family Discount
A discount of 10% in the total premium be allowed comprising the insured and any one or more of the following:

• Spouse.
• Dependent Children (i.e. legitimate or legally adopted children).
• Dependent parents.

Cumulative Bonus
Sum insured under the policy shall be progressively increased by 5% in respect of each claim free year of insurance, subject to maximum accumulation of 10 claims free years of insurance. In case of a claim under the policy in respect of insured person who has earned the cumulative bonus the increased percentage will be reduced by 10% of sum insured at the next renewal. However, basic sum insured will be maintained and will not be reduced

N.B.
For cumulative Bonus and Health Check up provisions as aforesaid.

Both Health Check up and cumulative bonus provisions are applicable where period of insurance as stated in the schedule attached hereto has commenced not later than a week after the expiry of last Mediclaim Insurance Policy, although Renewal is subject to medical check – up. Cumulative Bonus as accrued to the credit of the same policy holder will be added to sum insured under this policy.

Renewal of insurance cover
A further period of 7 days from the date of expiry will be permissible in exceptional cases subject to Health Certificate from Medical Practitioner.

N.B.
Any diseases contracted during the period of 7 days extension will be excluded from the date of renewal in addition to other diseases excluded in the expiring policy, whereas other benefits mentioned above in item II (a) (b) (c) will be permissible. This is only a gist of the salient features for your information. For further details and conditions please contact:

Hutoxi P. Dadachanji
A 207 Gera Park.
Boat Club Rd.,
Pune 411001
Tel: 6125673