Salient Feature

Welfare of women mainly of rural and  semi-urban irrespective of income, occupation.

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Scope Of Cover

 DEATH

1.       Of  Husband in case of married women Compensation Rs.25,000/- to the wife. (Death of married women not covered)

2.       Of unmarried Women Rs.25,000/- to the nominee, legal heir.

3.       Death of married woman not covered.

PERMANENT TOTAL DISABLEMENT OF THE INSURED WOMEN ONLY

1.       Permanent Total Disablement Rs.25,000/-

2.       Loss of one limb of one eye or loss of two limbs or both eyes Rs.25,000/-

3.       Loss of one limb/sight in one eye Rs.12,500/-

DEATH OR DISABILITY BY ACCIDENT WOULD INCLUDE death and  P.T.D. arising out of :

1.       Slipping /Falling off mountaineous terrain.

2.       Biting by (a) Insects (b) Snakes, (c) Animals

3.       Drowning/Washing away by (a) Floods, (b) Landslides, (c) Rockslides (d) Earthquake, (e) Cyclone, (f) Other Convulsions of nature/calamities

4.       Murder

5.       Terrorist activities 

6.       Any other accidental causes

DEATH IN CASE OF WOMEN(it also includes death and or P.T.D.)

Caused by

1.       Surgical Operations such as

2.       Sterilization    

3.       Ceasarian

4.       Hysterectomy

5.       Cancer Operations arising from removal of breasts

6.       Child Birth, not beyond a period of seven days from the date of surgical operations.

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Age

 10 years to 75 years

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Premium Rating

 @ Rs.15/- per woman per annum for Basic Cover

 @ Rs.23/- per woman per annum for Combined cover.

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Discounts

 LONG TERMS PERIOD DISCOUNTS

 Term of the Policy(years)   Discount(%)

                 1                                              Nil

                2                                              5

                3                                              10

                4                                              15

                5                                              20

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Additional Extensions

 1.       TTD ARISING OUT OF ACCIDENTS :

-         resulting in  hospitalisation

-         resulting in total disability 

      Rs.500/ per month subject to a maximum of Rs.1,500/-

2.       Legal Divorce :

            Legal expenses      :                                a)   incurred necessarily

                                                                                b)   during currency of policy

                                                                                c)   once in life time

            Amount             :                                        Rs.2,000/-

Loss/Damage to Household goods and Personal Effects due to fire and other perils Maximum Rs.2,000/-

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Main Exclusions

 1.       Pre-existing conditions

 2.               a)   Self injury, Suicide

                 b)   Influence of intoxication, liquor, drugs

                 c)   Insanity

                 d)   Breach of Law

 3.       lonising radio activity

 4.       Spontaneous combustion

 5.       a)   Burning of property  by public authority

                 b)   Subterranian  fire

 6.       Nuclear Weapons

 7.       a)   War and war-like perils, invasion etc.

           b)   Mutiny, Civil Commotion

 8.       a)   The policy is extended to cover only death to the insured womans husband and the same does  not cover accidental/disablement to the womans husband.

      b)  In case of accidental death of both the insured woman and her husband no compensation  would be payable to the nominee.