Waiting periods for specific conditions apply. The waiting periods will be listed in the policy schedule and policybook that you will receive when you take up the insurance.
Cover may be increased, at any time once the policy has been issued, to the maximum amount that you qualify for. Further medical underwriting will be required. Your premium will be adjusted according to the new sum assured that has been requested and the additional cover will start on receipt of the new premium.
As the dread disease cover amount is payable to you, the pay-out can only be made to you. Upon death, the cover falls away.
No, there are no complicated medical tests that you or your children need to endure.
Buy online