Canara Mediclaim

One Policy That Covers Entire Family

A Unique Mediclaim cum Personal Accident Policy

specially designed by
M/s United India Insurance Co. Ltd.,
Covers Policy Period: 12 Month
! Hospitalisation expenses for medical/surgical ! Risk commencing from date of banker's cheque/DD
treatment arising out of any disease/illness/accident of the bank.
! Pre-hospitalisation expenses up to 30 days prior to ! Risk covered under this policy is in addition to any
hospitalization. other policy held by the Account Holder with United
! Post-hospitalisation expenses up to 60 days after India within or outside this scheme or any other
hospitalization. insurance company. However claim payable on
ratable proportion of sum insured of all the policies
! Anyone illness means continuous period of illness
to total claim amount subject to a maximum of
including relapse within 105 days from date of
actual expenses incurred.
discharge
! Personal Accident (PA) death only due to accident. Choice of two plans

Eligibility ! Plan A : Account holder, Spouse & 2 dependant

children (1 + 3)
! All account holders of the Bank i.e. Deposits as well
as loan, including employees, ex-employees and ! Plan B: Account holder, Spouse, 2 dependant children
Canaracard holders can avail the benefits of the & parents (1 +5)
scheme. Sum Insured (Mediclaim)
! Primary Account Holder, Spouse, 2 Dependent ! Minimum : `50,000/-
Children, Dependent Parents.
! Maximum : `5,00,000/-
Age
! Can be selected in multiples of `50,000/-
! 5 Years to 65 years without medical examination.
! The policy issued for a family of(1+3) or (1+5) would
Children between 3 months and 5 years can be
covered provided one or both parents are covered be a floater policy with a single sum insured.

concurrently. (Floater policy means any one member or all the

members put together can avail hospitalization
! Upper age limit can be relaxed up to 80 years only on
benefits during the policy period up to the sum
renewals.
insured).
! Unmarried dependent female children can be
Sum Insured (personal Accident-death)
covered without any age limit till marriage.
Dependent male children can be covered upto a ! Policy Holder 100% of Mediclaim Sum Insured (S.I.).
maximum of 21 years of age. However, if the ! Spouse 50% of Mediclaim S.I.
children are continuously dependent on the parents,
! Children above 5 years - 20% of Mediclaim S.I
this limitation will not be applicable.
! Children below 5 years 10% of Mediclaim S.I.
Premium Payable
! Nomination facility is available.
The premium payable is same whether size of family is
either 1+1 or 1+2 or 1+3 or 1+4 or 1 + 5 or even one. ! Personal Accident (PA) does not extend to cover
See Premium chart for Plan A and B. parents under Plan B.
Additional Benefits exclusion will be deleted after three consecutive
! Reasonable ambulance charges not exceeding continuous claim free policy years provided there
was no hospitalization for the pre-existing ailment
`1,000/-.
during these three years of insurance.
! Hospital cash up to `1, 000/- to parents in case of
2. Any disease other than those stated in 3 herein
hospitalization of children up to 12 years of age.
contracted by the insured person during the first 30
! Cost of Health Check-up: 1% of average sum insured days from the commencement date of the policy.
after completion of three claim free years without This condition shall not, however, apply in case of
break. the insured person having been covered under this
! Funeral expenses for a maximum amount of scheme or group insurance scheme with any of the
`1,000/- in case of insured donating eye(s) subject to Indian Insurance companies for a continuous period
illness/accident admitted under the policy. of preceding 12 months without any break.

! Maternity benefits and baby care 5% of sum insured This shall also not apply if (a) in the opinion of a
if opted by the insured under the scheme. panel of medical practitioners constituted by the
Company, the insured person could not have known
! Reimbursement of admitted claims for all
of the existence of the disease or any symptoms or
medical/surgical treatments undertaken in
complaints thereof at the time of making the
Nepal/Bhutan in Indian currency.
proposal for insurance (b) the insured had not taken
! Mediclaim cover available to cover parents at an any consultation, treatment or medication in respect
additional premium. of the hospitalization for which claim has been
! Cash less facility through Third Party Administrator lodged under the policy prior to taking the insurance.
(TPA). In case services of TPA network hospital are 3. During the first year of the operation of the policy
not utilized, claims to be submitted to selected TPA with any of the public sector insurance companies,
for reimbursement. the expenses on treatment of diseases such as
! Income tax benefit under Section 80 D of Income Tax cataract, benign, prostatic, hyperthrophy,
Act is available. hysterectomy for menorrghia or fibromyoma, hernia,
hydrocele, congenital internal disease, fistula in
! Distinctive Features:
anus, piles, sinusitis and related disorders are not
1. Sum Insured is on Floater basis. payable. If these diseases (other than congenital
2. Flat premium irrespective of age. internal disease) are pre-existing at the time of
proposal they will not be covered even during
3. No medical examination is required.
subsequent period of renewal. If the insured is aware
Exclusions (Mediclaim) of existence of congenital internal disease before
1. All diseases/injuries which are pre existing when inception of the policy, the same will be treated as
cover incepts for the first time. For this purpose, the pre existing, however, subject to exclusion 1.
date of inception of the initial Mediclaim policy 4. Injury/disease directly or indirectly caused by or
taken from any of the Indian insurance companies arising from or attributed to invasion, act of foreign
shall be taken, provided the renewals have been enemy, war like operations (whether war be declared
continuous and without any break. However, this or not).
5. Circumcision unless necessary for treatment of a Exclusions
disease not excluded hereunder or as may be
Death due to Personal Accident
necessitated due to an accident, vaccination or
inoculation or change of life or aesthetic treatment 1. Intentional self injury/suicide/attempted suicide.
of any description, plastic surgery other than that as 2. activities under the influence of intoxicating liquor
may be necessitated due to an accident or as a part or drugs.
of any illness.
3. Activities engaged in aviation or ballooning.
6. Cost of spectacles and contact lenses, hearing aids;
4. Venereal diseases or insanity.
7. Dental treatment of surgery of any kind unless
5. The insured committing any breach of law with
requiring hospitalization.
criminal intent.
8. Convalescence, general debility, run down condition
6. Service in the armed forces.
or rest cure, congenital external disease or defects or
anomalies, sterility, venereal disease, intentional self 7. Complications arising directly or indirectly from child
injury and use of intoxicating drugs/alcohol. birth or pregnancy.
9. All expenses arising out of any condition directly or Claim Procedure
indirectly caused to or associated with Human T Cell
For Personal Accident
Lymphotrophic Virus Type III (HTLB-III) or LAV or the
Mutants Derivative or Variation Deficiency Syndrome 1. Claim intimation letter in writing to be given within
or any syndrome or condition of a similar kind. 7 days from the date of accident.

10. Charges incurred at hospital or nursing home 2. Claim form duly completed.
primarily for diagnosis, x-ray or laboratory 3. Medical reports.
examinations or other diagnostic studies not
4. Copy of FIR from the police authorities.
consistent with or incidental to the diagnosis and
treatment of positive existence of presence of any 5. Post mortem report.
ailment, sickness or injury for which confinement is 6. Death certificate.
required at a hospital/nursing home.
The Correspondence with regard to claim has to be
11. Expenses on vitamins and tonics unless forming done by the Policy holder/ Claimant with the Insurance
part of treatment for injury or diseases as certified
Company directly.
by the attending physician.
12. Treatment arising from or traceable to pregnancy
(including voluntary termination of pregnancy) and
child birth including cesarean section.
13. Injury or disease directly or indirectly caused by or
contributed by nuclear weapon/materials.
14. Naturopathy treatment.
15. Domiciliary hospitalization benefits are not covered
under the policy.
 Premium table for Canara Mediclaim Policy
Plan - A - Family Size - Insured, spouse, two dependent
children (1+3)
Sum 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 5.00
insured lacs lacs lacs lacs lacs lacs lacs lacs lacs lacs
Med. Prem 830 1603 2348 3020 3606 4213 4734 5256 5779 6301
P. A. Prem 21 42 63 84 105 126 147 168 189 210
Premium 851 1645 2411 3104 3721 4339 4881 5424 5968 6511
Service Tax 105 203 298 384 460 536 603 670 738 805
Total 956 1848 2709 3488 4181 4875 5484 6094 6706 7316

Plan - B - Family Size - Insured, spouse, two dependent

children and parents (1+5)
Sum 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 5.00
insured lacs lacs lacs lacs lacs lacs lacs lacs lacs lacs
Med. Prem 1400 2704 3959 5091 6096 7101 7980 8859 9740 10619
P. A. Prem 21 42 63 84 105 126 147 168 189 210
Premium 1421 2746 4022 5175 6201 7227 8127 9027 9929 10829
Service Tax 176 339 497 640 766 893 1004 1116 1227 1338
Total 1597 3085 4519 5815 6967 8120 9131 10143 11156 12167

All the above is indicative only. For details, walk in to any

branch of Canara Bank - The Corporate Agent of United
India Insurance Co. Ltd.
NB : Service Tax charged as per the current rate
(@12.36%) which would vary depending upon the
Government Notification.

For details/guidance contact nearest branch or

Call our toll free no. 1800 425 0018

Bancassurance Section
Retail Banking Wing, Head Office
*Conditions Apply

No. 86, M. G. Road Bangalore - 560 001

Email: bancassurance@canarabank.com
Website: www.canarabank.com

BS/RBSW/CM/07/June 2012