Acko General Insurance Limited Key Terms - Group Domestic Travel Product

Terms & Conditions

This is a summary of the key terms under the Group Health & Accident Care (“Policy”) offered by Acko General Insurance Limited (“Acko”) to Zest Money ("Zest Money") subject to the receipt of premium in full in respect of the Insured Persons and the terms, conditions and exclusions of underlying Policy. The covers available under the Policy can be availed only by Zest Money customer. The insurance coverage period under this policy is valid as mentioned in the Certificate of Insurance.

1. Key Benefits

Key benefits available to the Insured person is as follows:

Benefit Table

Sr. No.	Benefit Name	Sum Insured	Benefit Type	Additional Conditions
1	Critical Illness	Principal Loan Amount (Max. upto 10 Lacs)	Fixed Sum Insured	Waiting Period: 30 Days Survival Period: 7 days
2	Accidental Death Benefit / Permanent Total Disability / Permanent Partial Disability	Principal Loan Amount (Max. upto 10 Lacs)	Fixed Sum Insured
3	Hospital Daily Allowance	Capital Sum Insured: 3 monthly EMI amount (maximum upto outstanding principal loan amount) Effective per day Sum Insured: Monthly EMI divided by 30 days	Fixed Sum Insured	Fixed benefit will be payable accrued on the basis of per day hospitalization due to accident only provided when the person is Hospitalized for continuous and completed period of atleast 30 days. Under this, Benefit accrued on daily basis will be payable in lump sum at the end of each 30 days period.

Covered benefits under Critical Illness

Sr. No.	Benefit Name
1	Cancer of Specified Severity
2	Kidney Failure Requiring Regular Dialysis
3	Multiple Sclerosis with Persisting Symptoms
4	Major Organ / Bone Marrow Transplant
5	Open Heart Replacement or Repair of Heart Valves
6	Open Chest CABG
7	Permanent Paralysis of Limbs
8	Myocardial Infarction (First Heart Attack – of Specific Severity)
9	Stroke Resulting in Permanent Symptoms
10	Benign Brain Tumor
11	Parkinson’s Disease
12	Coma of Specified Severity
13	End Stage Liver Failure
14	Alzheimer’s Disease
15	Aorta Graft Surgery

1.1 Accidental Death Benefit:

If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period and that Injury solely and directly results in the Insured Person’s death within 365 days from the date of the Accident, We will pay the Sum Insured.

If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under this Benefit and claims already admitted under Benefit 1 (Accidental Death Benefit), Benefit 2 (Permanent and Total Disability), Benefit 3 (Permanent Partial Disability) in respect of the Insured Person will cumulatively exceed the Common Death or Disability Sum Insured, then Our maximum, total and cumulative liability under any and all such claims will be limited to the Common Death or Disability Sum Insured.

On the acceptance of a claim under this Benefit and payment being made under any applicable Cover Options, all cover under this Policy shall immediately and automatically cease in respect of that Insured Person.

1.2 Permanent Total Disability

If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period and that Injury solely and directly results in the Permanent Total Disability of the Insured Person which is of the nature specified in the table below, within 365 days from the date of the Accident, We will pay the Sum Insured:

Nature of Permanent Total Disability
Total and irrecoverable loss of sight in both eyes
Loss by physical separation or total and permanent loss of use of both hands or both feet
Loss by physical separation or total and permanent loss of use of one hand and one foot
Total and irrecoverable loss of sight in one eye and loss of a Limb
Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye
Total and irrecoverable loss of hearing in both ears and loss of speech
Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye
Permanent, total and absolute disability (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever which results in Loss of Independent Living

For the purpose of this Benefit:

1. Limb means a hand at or above the wrist or a foot above the ankle;
2. Physical separation of one hand or foot means separation at or above wrist and/or at or above ankle, respectively.

This Benefit will be payable provided that:

1. The Permanent Total Disability continues for a period of at least 180 days from the commencement of the Permanent Total Disability, and We are satisfied at the expiry of the 180 days that there is no reasonable medical hope of improvement;
2. If the Insured Person suffers Injuries resulting in more than one of the Permanent Total Disabilities specified in the table above, then Our maximum, total and cumulative liability under this Benefit shall be limited to the Sum Insured specified against this Benefit in the Certificate of Insurance.
3. If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under this Benefit and claims already admitted under Benefit 1 (Accidental Death Benefit), Benefit 2 (Permanent and Total Disability) and Benefit 3 (Permanent Partial Disability) in respect of the Insured Person will cumulatively exceed the Common Death or Disability Sum Insured then Our maximum, total and cumulative liability under any and all such claims will be limited to the Common Death or Disability Sum Insured.
4. If We have admitted a claim for Permanent Total Disability in accordance with this Benefit, then We shall not be liable to make any payment under the Policy on the death of the Insured Person, if the Insured Person subsequently dies;
5. On the acceptance of a claim under this Benefit, all cover under this Policy shall immediately and automatically cease in respect of that Insured Person after the payment of any other applicable Cover Options.

1.3 Permanent Partial Disability

If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period and that Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the table below within 365 days from the date of the Accident, We will pay the amount specified in the table below:

Nature of Permanent Partial Disability	Percentage of the Sum Insured payable
i. Total and irrecoverable loss of sight in one eye	50%
ii. Loss of one hand or one foot	50%
iii. Loss of all toes - any one foot	10%
iv. Loss of toe great - any one foot	5%
v. Loss of toes other than great, if more than one toe lost, each	2%
vi. Total and irrecoverable loss of hearing in both ears	50%
vii. Total and irrecoverable loss of hearing in one ear	15%
viii. Total and irrecoverable loss of speech	50%
ix. Loss of four fingers and thumb of one hand	40%
x. Loss of four fingers	35%
xi. Loss of thumb- both phalanges	25%
xii. Loss of thumb- one phalanx	10%
xiii. Loss of index finger-three phalanges	10%
xiv. Loss of index finger-two phalanges	8%
xv. Loss of index finger-one phalanx	4%
xvi. Loss of middle/ring/little finger-three phalanges	6%
xvii. Loss of middle/ring/little finger-two phalanges	4%
xviii. Loss of middle/ring/little finger-one phalanx	2%

This Benefit will be payable provided that:

1. The Permanent Partial Disability continues for a period of at least 180 days from the commencement of the Permanent Partial Disability and We are satisfied at the expiry of the 180 days that there is no reasonable medical hope of improvement;
2. If the Insured Person suffers a loss that is not of the nature of Permanent Partial Disability specified in the table above, then the independent medical advisors will determine the degree of disability and the amount payable, if any;
3. We will not make any payment under this Benefit if We have already paid or accepted any claims under the Policy in respect of the Insured Person and the total amount paid or payable under the claims is cumulatively greater than or equal to the Sum Insured for that Insured Person;
4. If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under this benefit and claims already admitted under Benefit 1 (Accidental Death Benefit), Benefit 2 (Permanent and Total Disability) and Benefit 3 (Permanent Partial Disability) in respect of the Insured Person will cumulatively exceed the Common Death or Disability Sum Insured then Our maximum, total and cumulative liability under any and all such claims will be limited to the Common Death or Disability Sum Insured.
5. On the acceptance of a claim under this Benefit, the Insured Person’s insurance cover under this Policy shall continue, subject to the availability of the Sum Insured and the Common Death or Disability Sum Insured.

1.4 Hospital Daily Allowance:

If an Insured Person requires Hospitalization due to an Injury or Illness specified in the Schedule / Certificate of Insurance, suffered or contracted during the Coverage Period, then We will pay the daily allowance amount specified against this Benefit in the Certificate of Insurance, for each continuous and completed period of 24 hours of Hospitalisation;

This benefit will be payable provided that:

1. Our liability to make any payment under this benefit shall commence only after a continuous and completed 24 hours of Hospitalization of the Insured Person for each claim.
2. The Hospitalization is for Medically Necessary Treatment and is commenced and continued on the written advice of the treating Medical Practitioner;
3. Our liability to make any payment under this benefit shall be in excess of the Deductible of the number of days specified in the Certificate of Insurance for each claim.
4. This Benefit shall not be payable in respect of the Insured Person for more than the maximum number of days specified in the Certificate of Insurance for each Coverage Period.
5. Only one daily allowance amount is payable for each day of Hospitalization, regardless of number of the Illnesses contracted/Injuries sustained.

1.5 Critical Illness Fixed Benefit:

If an Insured Person is First Diagnosed to be suffering from a Critical Illness of the nature specified below, during the Coverage Period, then We will pay the Sum Insured under this Benefit as specified in the Certificate of Insurance.

Sr. No.	Critical Illness	15 CI's
1	Cancer of Specified Severity	√
2	Kidney Failure Requiring Regular Dialysis	√
3	Multiple Sclerosis with Persisting Symptoms	√
4	Major Organ / Bone Marrow Transplant	√
5	Open Heart Replacement or Repair of Heart Valves	√
6	Open Chest CABG	√
7	Permanent Paralysis of Limbs	√
8	Myocardial Infarction (First Heart Attack – of Specific Severity)	√
9	Stroke Resulting in Permanent Symptoms	√
10	Benign Brain Tumor	√
11	Parkinson’s Disease	√
12	Coma of Specified Severity	√
13	End Stage Liver Failure	√
14	Alzheimer’s Disease	√
15	Aorta Graft Surgery	√

This benefit is payable provided that:

1. the Critical Illness is covered under the Policy for the Insured Person as stated in the Certificate of Insurance;
2. the Critical Illness first occurs or first manifests itself during the Coverage Period as a first incidence;
3. First Diagnosis of the Critical Illness should have occurred during the Insured Person’s life-time, i.e, no payment under any benefit shall be made if such First Diagnosis of the Critical Illness is made post-mortem.
4. All the test reports and medical reports required to support the diagnosis of the Critical Illness, the stage and form of such Critical Illness, and for Us to make a claims assessment, including any claim documentation required under Section 3 (c) of the Policy, should be available before the death of the Insured Person and in a form suitable for sharing with Us.
5. The Insured Person survives the applicable Survival Period specified in the Certificate of Insurance.
6. The Critical Illness contracted has not arisen within the applicable Waiting Period, specified in the Certificate of Insurance against this benefit or a specified Critical Illness, from the Risk Commencement Date;
7. If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under this Benefit and claims already admitted under this Benefit in respect of the Insured Person will cumulatively exceed the Sum Insured specified against this Benefit in the Certificate of Insurance, then Our maximum, total and cumulative liability under any and all such claims will be limited to the Sum Insured specified against this benefit in the Certificate of Insurance.

1.5.1 Cancer of Specific Severity

1. A malignant tumor characterized by the uncontrolled growth & spread of malignant cells with invasion and destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy. The term cancer includes leukemia, lymphoma and sarcoma.
2. The following are excluded
   1. All tumors which are histologically described as carcinoma in situ, benign, pre-malignant, borderline malignant, low malignant potential, neoplasm of unknown behavior, or non- invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN- 1, CIN -2 & CIN-3;
   2. Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond;
   3. Malignant melanoma that has not caused invasion beyond the epidermis;
   4. All tumors of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0;
   5. All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
   6. Chronic lymphocyctic leukaemia less than RAI stage 3;
   7. Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification;
   8. All Gastro-Intestinal Stromal Tumours histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50 HPFs;
   9. All tumors in the presence of HIV infection.

1.5.2 Myocardial Infraction (First Heart attack of specified severity)

1. The first occurrence of heart attack or myocardial infarction, which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for Myocardial Infarction should be evidenced by all of the following criteria:
   1. A history of typical clinical symptoms consistent with the diagnosis of acute myocardial infarction (For e.g. typical chest pain)
   2. New characteristic electrocardiogram changes
   3. Elevation of infarction specific enzymes, Troponins or other specific biochemical markers.
2. The following are excluded
   1. Other acute Coronary Syndromes
   2. Any type of angina pectoris
   3. A rise in cardiac biomarkers or Troponin T or I in absence of overt ischemic heart disease OR following an intra-arterial cardiac procedure.

1.5.3 Open Chest CABG

1. The actual undergoing of heart surgery to correct blockage or narrowing in one or more coronary artery(s), by coronary artery bypass grafting done via a sternotomy (cutting through the breast bone) or minimally invasive keyhole coronary artery bypass procedures. The diagnosis must be supported by a coronary angiography and the realization of surgery has to be confirmed by a cardiologist.
2. The following are excluded
   1. Angioplasty and/or any other intra-arterial procedures

1.5.4 Open Heart Replacement or Repair of Heart Valves

1. The actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy / valvuloplasty are excluded.

1.5.5 Kidney Failure Requiring Dialysis

1. End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner.

1.5.6 Stroke Resulting in Permanent Symptoms

1. Any cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolization from an extracranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be produced.
2. The following are excluded
   1. Transient ischemic attacks (TIA)
   2. Traumatic injury of the brain
   3. Vascular disease affecting only the eye or optic nerve or vestibular functions.

1.5.7 Major Organ/Bone Marrow Transplant

1. The actual undergoing of a transplant of:
   1. One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or
   2. Human bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be confirmed by a specialist medical practitioner.
2. The following are excluded
   1. Other stem-cell transplants
   2. Where only islets of langerhans are transplanted

1.5.8 Permanent Paralysis of Limbs

1. Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months.

1.5.9 Multiple Sclerosis with Persisting Symptoms

1. The unequivocal diagnosis of Definite Multiple Sclerosis confirmed and evidenced by all of the following:
   1. investigations including typical MRI findings which unequivocally confirm the diagnosis to be multiple sclerosis and
   2. there must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months.
2. Other causes of neurological damage such as SLE and HIV are excluded.

1.5.10 Coma of Specified Severity

1. A state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis must be supported by evidence of all of the following:
   1. no response to external stimuli continuously for at least 96 hours;
   2. life support measures are necessary to sustain life; and
   3. permanent neurological deficit which must be assessed at least 30 days after the onset of the coma.
2. The condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or drug abuse is excluded.

1.5.11 Benign Brain Tumor

1. Benign brain tumor is defined as a life threatening, non-cancerous tumor in the brain, cranial nerves or meninges within the skull. The presence of the underlying tumor must be confirmed by imaging studies such as CT scan or MRI.
2. This brain tumor must result in at least one of the following and must be confirmed by the relevant medical specialist.
   1. Permanent Neurological deficit with persisting clinical symptoms for a continuous period of at least 90 consecutive days or
   2. Undergone surgical resection or radiation therapy to treat the brain tumor.
3. The following conditions are excluded:
   Cysts, Granulomas, malformations in the arteries or veins of the brain, hematomas, abscesses, pituitary tumors, tumors of skull bones and tumors of the spinal cord.

1.5.12 Parkinson’s Disease

1. The unequivocal diagnosis of progressive, degenerative idiopathic Parkinson’s disease by a Neurologist acceptable to Us.
2. The diagnosis must be supported by all of the following conditions:
   1. the disease cannot be controlled with medication;
   2. signs of progressive impairment; and
   3. inability of the Insured Person to perform at least 3 of the 6 activities of daily living as listed below (either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons) for a continuous period of at least 6 months:
3. Activities of daily living:
   1. Washing: the ability to wash in the bath or shower (including getting into and out of the shower) or wash satisfactorily by other means and maintain an adequate level of cleanliness and personal hygiene;
   2. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;
   3. Transferring: The ability to move from a lying position in a bed to a sitting position in an upright chair or wheel chair and vice versa;
   4. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;
   5. Feeding: the ability to feed oneself, food from a plate or bowl to the mouth once food has been prepared and made available.
   6. Mobility: The ability to move indoors from room to room on level surfaces at the normal place of residence
4. Parkinson’s disease secondary to drug and/or alcohol abuse is excluded.

1.5.13 End Stage Liver Failure

1. Permanent and irreversible failure of liver function that has resulted in all three of the following:
   1. Permanent jaundice; and
   2. Ascites; and
   3. Hepatic encephalopathy.
2. Liver failure secondary to alcohol or drug abuse is excluded.

1.5.14 Alzheimer’s Disease

1. Alzheimer’s disease is a progressive degenerative Illness of the brain, characterised by diffuse atrophy throughout the cerebral cortex with distinctive histopathological changes. It affects the brain, causing symptoms like memory loss, confusion, communication problems, and general impairment of mental function, which gradually worsens leading to changes in personality.
2. Deterioration or loss of intellectual capacity, as confirmed by clinical evaluation and imaging tests, arising from Alzheimer’s disease, resulting in progressive significant reduction in mental and social functioning, requiring the continuous supervision of the Insured Person. The diagnosis must be supported by the clinical confirmation of a specialist Medical Practitioner (Neurologist) and supported by Our appointed Medical Practitioner, evidenced by findings in cognitive and neuro radiological tests (e.g. CT scan, MRI, PET scan of the Brain). The disease must result in a permanent inability to perform three or more Activities with Loss of Independent Living or must require the need of supervision and permanent presence of care staff due to the disease. This must be medically documented for a period of at least 90 days
3. The following conditions are however not covered:
   1. non-organic diseases such as neurosis and psychiatric Illnesses;
   2. alcohol related brain damage; and
   3. any other type of irreversible organic disorder/dementia.

1.5.15 Aorta Graft Surgery

1. The actual undergoing of major Surgery to repair or correct aneurysm, narrowing, obstruction or dissection of the Aorta through surgical opening of the chest or abdomen. For the purpose of this cover the definition of “Aorta” shall mean the thoracic and abdominal aorta but not its branches.
2. The Insured Person understands and agrees that We will not cover:
   1. Surgery performed using only minimally invasive or intra arterial techniques.
   2. Angioplasty and all other intra arterial, catheter based techniques, "keyhole" or laser procedures
3. The Aorta is the main artery carrying blood from the heart. Aortic Graft Surgery benefit covers Surgery to the Aorta wherein part of it is removed and replaced with a graft.

2. General Conditions:

• The Policy will terminate once full repayment of the Loan amount for which Insurance was taken has been completely settled by the Insured with Zest Money or any claim under the policy has taken by the Insured.
• The coverage for benefits (except Critical Illness) will only be provided to the persons in the age band inclusive of 18 years – 50 years old (age last birthday). For Critical Illness, coverage will only be provided to the persons in the age band inclusive of 18 years – 45 years old (age last birthday).
• Acko will only be covering Loan taken from Zest Money. Loan taken from other sources will not be covered.
• We should be given immediate written notice of any event that may give rise to a claim under the Policy, in accordance with the claims procedure under the Policy;
• All claims made under the Policy will be subject to the applicable deductible, any sub-limits and the availability of the Sum Insured.
• The Hospitalization is for Medically Necessary Treatment and is commenced and continued on the written advice of the treating Medical Practitioner;

3. General Exclusions:

We shall not be liable to make any payment for any claim under the Policy in respect of an Insured Person, directly or indirectly for, caused by, arising from or in any way attributable to any of the following:

1. Any Pre-Existing Disease or any Injury or disability arising out of a Pre-Existing Disease or any complication arising therefrom.
2. Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane.
3. Working in underground mines, tunnelling or explosives, or involving electrical installation with high tension supply, or as jockeys or circus personnel, or engaging in Hazardous Activities.
4. Any change of profession after inception of the Policy which results in the enhancement of Our risk under the Policy, if not accepted and endorsed by Us on the Certificate of Insurance.
5. Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).
6. Medical or surgical treatment except as necessary solely and directly as a result of an Accident.
7. Death or disability resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy or a consequence thereof including ectopic pregnancy unless specifically arising due to Accident.
8. Any Illness or Critical Illness arising within the Waiting Periods specified in the Policy or in the Schedule or Certificate of Insurance.
9. All Waiting Periods shall commence concurrently, and would be considered to have been served to the extent that the Insured Person was insured continuously and without interruption under another Indian insurer’s individual health / Family Health insurance policy for the reimbursement of medical costs for inpatient treatment in a Hospital.
10. Any External Congenital Anomalies or in consequence thereof.
11. Any certification provided by a Medical Practitioner who shares the same residence as the Insured Person or who is an Immediate Relative.
12. Any claim directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease.
13. Any claim directly or indirectly caused due to or associated with human T-call Lymph tropic virus type III (HTLV-III or IITLB-III) or Lymphadenopathy Associated Virus (LAV) and its variants or mutants, Acquired Immune Deficiency Syndrome (AIDS) whether or not arising out of HIV, AIDS related complex syndrome (ARCS) and any injury caused by and/or related to HIV.
14. Hospitalization, if applicable, for the following treatments:
    1. Laser treatment for correction of eye due to refractive error;
    2. Aesthetic or change-of-life treatments of any description such as sex transformation operations, treatment towards changes in appearance or any procedure which is aimed to improve physical appearance;
    3. Cosmetic treatments (including any complications arising out of cosmetic treatments) unless necessitated by traumatic Injury, or Illness;
    4. Vaccination or inoculation unless forming a part of post-animal bite treatment;
    5. Treatment of obesity (including morbid obesity) and any other weight control program, general debility, convalescence, run—down conditions, rest cure, treatment of sleep apnea.
    6. Naturopathy Treatments.
    7. Sterility, treatment whether to effect or to treat infertility; any fertility, sub—fertility or assisted conception procedure; surrogate or vicarious pregnancy; birth control, contraceptive supplies or services including complications arising due to supplying services;
    8. Mental Illness including psychiatric conditions, mental disorders, disturbances of consciousness, strokes, fits or convulsions which affect the entire body and pathological disturbances caused by mental reaction to the same, unless expressly specified to be covered in the Certificate of Insurance.
    9. Any dental treatment or Surgery of a corrective, cosmetic or aesthetic nature unless carried out under general anaesthesia and is necessitated by Illness or Injury during the Coverage Period.
15. Any claim arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen.
16. Any claim arising or resulting from the Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion with criminal intent.
17. Any claim caused by participation of the Insured Person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable.
18. Any claim arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), participation in any naval, military or air-force operation, civil war, public defence, rebellion, revolution, insurrection, military or usurped power.
19. Any claim arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense from any nuclear waste from the combustion of nuclear fuel, nuclear, Chemical attack or weapons, or Biological attack or weapons.
    1. Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing any Illness, incapacitating disability or death.
    2. Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) microorganisms and/or biologically produced toxins (including genetically modified organisms and chemically synthesized toxins) which are capable of causing any Illness, incapacitating disability or death.

4. Claim & Documents:

Insured may notify a claim using one of the following communication channels:

• Acko Insurance Helpline Number. 1800 266 2256
• Email notification to Acko email address hello@acko.com
• By another form of written intimation (letter) mailing it to “Acko Claims Desk. 9, 17th A Main Rd, Near Sukh Sagar Restaurant, 5th Block, Koramangala, Bengaluru, Karnataka 560095.”

Insured needs to submit following documents in case of a claim:

Sr. No.	Name of Benefit	Documents Required
	Common Documents	Our duly filled and signed Claim Form Name and address of the Insured Person in respect of whom the claim is being made; Copies of valid KYC documents of the Nominee/claimant, any other regulatory requirements, as amended from time to time;
1	Accidental Death Benefit	Original COI (Wherever applicable) Copy of FIR (First Information Report)/Spot Panchnama/Inquest Panchnama-where applicable attested by issuing authorities. Death Certificate attested by issuing/ appropriate authority. Post Mortem Report where applicable- attested by issuing authorities. Original legal heir certificate (in case nomination has not been filed by deceased)
2	Permanent Total Disability (PTD)	Written intimation of the claim Investigation reports attested by Appropriate/issuing authorities Photograph of the injured with reflecting disablement FIR / MLC Copy (if MLC is done)/ Spot Panchnama-where applicable- Attested by issuing authority Disability Certificate from appropriate Government Authority Medical Certificate from treating Doctor attested by issuing authority. Investigation reports Medical Any relevant claim document, post verification of submitted claim, if required
3	Permanent Partial Disability	Investigation reports Photograph of the injured with reflecting disablement FIR / MLC Copy (if MLC is done) / Spot Panchnama-where applicable- Attested by issuing authority Disability Certificate from appropriate Government Authority Medical Certificate from treating Doctor Leave certificate from the employer Details of any other related document Medical reports, case histories, investigation reports, treatment papers as applicable
4	Critical Illness Fixed Benefit	Nature of Critical Illness Medical Certificate from treating Doctor Details of any other related document Medical Bills with Prescription Medical reports, case histories, investigation reports, treatment papers as applicable Medical Investigations report with prescription First Consultation and subsequent prescription Discharge summary
5	Hospital Daily Allowance	Copy of the Discharge Summary Copy of First Information Report (FIR) /Medico-Legal certificate (MLC) (if MLC is done)-where applicable- Attested by issuing authority Treating doctor certificate giving details of Injury Sustained

Additional documents required with respect to other coverages will be requested as and when required (if applicable).

5. Cancellation:

Cancellation/Termination of the Policy:

In case the loan is cancelled within 15 days of the issuance of the Certificate of Insurance, we will refund the full premium if no claim is made. In case the cancellation request is made after 15 days, the premium refund will be done as per the table mentioned in the section below.

You may terminate this Policy at any time by giving Us written notice, and the Policy will terminate when such written notice is received. If no claim has been made under the Policy, then We will refund premium in accordance with the table below:

Cancellation Period	% of Premium
Within 25% of the Coverage Period	60%
25%-50% of the Coverage Period	40%
50%-75% of the Coverage Period	20%
Exceeding 75% of the Coverage Period	0%

We may at any time terminate this Policy on grounds of misrepresentation, fraud or non-disclosure of material facts by You or any Insured Person upon 30 days’ notice by sending an endorsement to Your address shown in the Schedule without refund of premium.

6. Grievance Redressal:

For resolution of any query or grievance, the Insured Person may write an e-mail at: gro@acko.com.

In case Insured Person is not satisfied with the resolution, the Insured Person may write to Acko’s Grievance Redressal Officer at the following address:

Grievance Redressal Officer
36/5, Hustlehub One East, Somasandrapalya,
27th Main Rd, Sector 2, HSR Layout,
Bengaluru, Karnataka 560102
gro@acko.com

In case Insured’s complaint is not fully addressed by Acko, You may use the Integrated Grievance Management System (IGMS) for escalating the complaint to IRDAI. Through IGMS, the insured can register the complaint online and track its status. For registration, please visit IRDAI website www.irdaindia.org.

Please note that these terms and conditions are only indicative, and the full list of policy conditions and exclusions are available at: http://www.acko.com/download