Return of Premium Option In Critical Illness Policies

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About 100% Return of Premium Critical Illness Policies

100% return of premium means when the plan reaches the point of maturity or the insured dies. The 100% premium will be refunded in the event that there is no claim. This is an optional benefit added into insurance policies. If the insured person dies while the policy is in effect and no claim has been made, the beneficiary will receive 100% of the returnable premiums.

The returnable premium amount is the total of all premiums paid for the policy minus any premiums paid for the automatic return of premium amount we paid and any premiums paid for the long-term care conversion option if included in the policy. The returnable premium amount is reduced by any unpaid premiums plus interest.

100% Return of Premium Critical illness Policies is coverage that will pay you Lump Sump of the face amount you choose in after 30 days if you are diagnosed with one of the illnesses ( Conditions Apply )

  • Life-Threatening Cancer
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Transplant on Waiting List
  • Major Organ Transplant
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s Disease
  • Severe Burns
  • Stroke
  • Blindness
  • Coma
  • Coronary Artery Bypass Surgery
  • Deafness
  • Heart Attack
  • Heart Valve Replacement
  • Kidney Failure
  • Alzheimer’s Disease
  • Aortic Surgery
  • Aplastic Anemia
  • Bacterial Meningitis
  • Benign Brain Tumor

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