SUD Life Smart Healthcare

UIN: 142N089V01

SUD Life Smart Healthcare is a non-linked, non-participating, fixed-benefit health insurance plan which covers specified critical illnesses and pays a lump sum benefit. SUD Life Smart Healthcare is a fixed-benefit health plan which covers minor or major critical illness conditions related to heart, liver, kidney and cancer. You get a fixed benefit payout in case of a claim which can help you meet your medical expenses or other financial needs. SUD Life Smart Healthcare can give you financial assistance in the case of medical emergencies. This can help you afford the best treatments, or you can use the benefit to pay off your financial liabilities.

Both major and minor conditions of critical illness are covered
Choice of three coverage options
Lump sum benefit on the diagnosis of a covered critical illness condition covered under the plan
Premium waiver for 3 years after diagnosis of a Minor CI Condition
Tax benefits on the premium paid under Section 80D

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What is SUD Life Smart Healthcare Plan?

SUD Life Smart Healthcare plan is designed to provide financial security in the case of medical emergencies. It offers three coverage options, and depending on the option selected, you will be covered for specified major and minor Critical Illnesses. On diagnosis of a major or minor CI condition, the plan pays a lump sum benefit, which can give you the funds needed to face the medical emergency. Moreover, the future premiums are waived for three years so that you don’t face any financial hardship after recovery. You can buy the plan online in simple steps and enjoy the flexibility of choosing the coverage amount and the policy term. The plan also provide you tax benefits. You can claim a deduction under Section 80D on the premiums paid for the policy. This reduces your tax liability and helps you save more. So, SUD Life Smart Healthcare can be a suitable tool for financial security for unforeseen medical emergencies.

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How Does SUD Life Smart Healthcare Plan Work?

When you buy the SUD Life Smart Healthcare plan, you will have to choose the following coverage details: Plan Option, Sum Insured, Policy term, Premium payment frequency.

1.Premium

The premium will be calculated based on the coverage details selected, your age, existing medical conditions, etc. You will have to pay the premium throughout the policy term. The available plan options are as follows: Cancer cover, Heart cover, Heart + Cancer + Kidney and Liver cover.

2.Exception

Based on the plan option selected, if you are diagnosed with a minor CI condition, 25% of the sum insured will be paid in a lump sum. The claim for minor CI condition can be claimed twice. The premiums will be waived for 3 policy year. In case the outstanding policy term is less than 3 years, then premium for outstanding policy term will be waived. If you are diagnosed with a major CI condition, the sum insured will be paid in a lump sum after deducting the payout already made for minor CI claims.

3.Maturity Benefit

If the life insured survives the policy tenure, no maturity benefit will be paid. Similarly, if the life insured passes away during the policy tenure, no death benefit will be paid. The policy shall terminate immediately on death of the life insured.

Plan Variants

Platinum

Platinum Plus

SUD Life Smart Healthcare Plan Benefits

Here are the benefits that you get from the plan

Lump sum payout

Premium waiver

Freelook period

Why choose SUD Life Smart Healthcare Plan?

SUD Life Smart Healthcare Plan is the ideal option for you because of the following points

It pays a lump sum benefit in medical emergencies
The premiums are low and affordable
The payout does not depend on your medical bills
You can enjoy tax benefits on the premiums paid

Frequently asked questions (FAQs).

What premium payment frequencies are available under the plan?

Are there any exclusions under the plan?

What happens if I miss premium payments?

Is there any waiting period for coverage of specified illnesses?

What is the cooling-off period?

What is the survival period?

Can I revive a lapsed policy?

You can pay the premium annually, semi-annually, quarterly or monthly. If you choose any mode other than the annual mode, a modal loading will apply

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This is a simple term insurance plan that provides life cover for your family.

Life cover ranges from ₹5 lakhs to ₹25 lakhs
You can join between ages 18 to 65
Covers you up to age 70
Choose to pay premiums once, regularly, or for 5 or 10 years
Policy terms from 5 to 40 years
45-day waiting period at the start (only accidental death covered during this time)

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