LifeLine MediCash™ Plus Plan

UIN 104N045V01

In your long and interesting journey of life, it's always better to be

prepared to face any unforeseen incidents that may take place in
one's life. People normally insure their home, child's education,
car, and even their retirement. However, many a times they forget
to insure their health. It's a proven fact that illnesses strike without
warning, which again can affect one's finances. Thus, it's important
to have a good health cover that would take into account the
diverse set of needs at times of an individual's ill health. Sound
health insurance planning ensures that you receive direct medical
expenses and indirect expenses, as soon as the situation arises.

Max New York Life health insurance schemes can act as a catalyst
in safeguarding your peace of mind and eliminating all worries
about your future treatment expenses. Presenting Lifeline -
MediCash™ Plus health Insurance plans from MNYL that provide
you support by giving you hospital cash benefit, whenever you are
hospitalized. Through this plan you will get a fixed benefit towards
hospitalization, ICU and recuperation (post hospitalization). And
the surgical expenses of a fixed Lump-sum amount will be paid
under LifeLine – MediCash™ Plus for more than 400 listed
surgeries that you may undergo.
Eligibility Criteria

Criteria Eligibility

Minimum / Maximum Age At Entry 18 years to 55 years (Age At Last Birthday)

Policy Term 10 years

Maximum Age at Maturity 65 years

Premium Guarantee 5 years

Premium Table (Sample*) Units 3

Age (yrs) Male Female

20 5886 5328
30 6429 6078
40 8424 8169
50 13194 11922

Premium Payment Frequency Half Yearly and Yearly

Reinstatement after Lapse Allowed only till 180 days from Lapse Date

Premium Limits Minimum: Rs. 2,500 (Yearly Mode)

and Rs. 1,300 (Half Yearly Mode)

Waiting Period 90 days from policy commencement apart

from hospitalization due to accidents

Benefits Number Of Units Bought

1 2 3 4 5

Daily Hospital Cash 1000 2000 3000 4000 5000

Daily ICU Cash 2000 4000 6000 8000 10000

Recuperating Cash 3000 6000 9000 12000 15000

(Lump-Sum)

Annual Limit (Days) 50 days of Hospitalization

Policy Term Limit 250 days of Hospitalization

(Days)
Surgical Cash ( Lump- 50,000 100000 150000 200000 250,000
Sum Upto Rs)

Minor (10%) 5,000 10,000 15,000 20,000 25,000

Intermediate (15%) 7,500 15,000 22,500 30,000 37,500

Major (35 %) 17,500 35,000 52,500 70,000 87,500

Supra major (100%) 50,000 100,000 150,000 200,000 250,000

Others Upto Upto Upto Upto Upto

10,000 10,000 10,000 10,000 10,000

 Cashless hospitalization available in over 4000+

network hospitals across the country. Fixed daily
hospitalization benefit available irrespective of
amount of actual billing.
 Benefits are Payable in addition to any other health
insurance cover that you may have with us or any
other insurer.
 The premiums are guaranteed for five years from the
effective date. After five years, the Company may
revise the premium rates based upon the actual
review of the claims experience subject to prior
approval of IRDA.
 Guaranteed Long-Term coverage for 10 years subject
to payment of premium made by you.
 Premium discount incase policy is claim-free for first
5 years.
 Tax benefit on the premium paid upto Rs. 15, 000
under section 80 D of the Income Tax Act.
 LifeLine Wellness™ Plus Plan
UIN 104N042V01

All of us aim for a long and illness-free life. However, as human

beings we are prone to various illnesses and may contract various
diseases. Though there are innumerable medical facilities and
technologies available today to cure almost every illness, the cost
attached to it quite high. These are the times you may need the
assistance of a health insurance plan to manage these unforeseen
situations and expenses. Illnesses strike without prior warning and
that's the reason why you should possess a good health cover,
which would insure you against various illnesses and guarantee
financial security should you require any treatment. The health
covers would provide you peace of mind and allow you to focus
your time energy on other important things in life.

Max New York Life's LifeLine-Wellness ™ plus health plan provides

a wonderful benefit system in terms of long tenure of coverage,
coverage for 38 critical illnesses and tax benefit.
Eligibility Criteria

Criteria Eligibility

Age At entry 18 years to 60 years

Option for policy term 10, 15 or 20 years

Maximum age at maturity 75 years

Premium Guarantee 5 Years i.e subject to the revision with

IRDA approval. Premium is renewed
every 5 years through the term of your
plan

Premium Limits Minimum: Rs. 2,500 (Yearly Mode)

and Rs. 1,300 (Half Yearly Mode)

Waiting Period 180 days from policy commencement

Reinstatement after Lapse Allowed only till 6 months based on

declaration of good health

Waiting Period after Reinstatement 90 days from policy revival date

Scale of Benefits

Coverage Choice Life Line - Wellness Plus™ Plan

Number of Units 1 2 3 4 5 6 7 8 9 10
Sum Assured (in lacs) 2 4 6 8 10 12 14 16 18 20

Example: If you take 5 units of Wellness Plus you have bought yourself a sum
assured of 10 lacs as per the table above.
List of Covered Critical Illness Conditions under LifeLine- Wellness™ Plan
The list of covered conditions are divided into 3 groups

Group 1 Group 2 Group 3

Claim - 25% of SA. Claim - 50% of SA. Claim - 100% of Sum

Policy Continues with the Policy Continues with the Balance Assured

Balance Sum Assured Sum Assured Policy discontinued

Angioplasty and other Invasive Apallic Syndrome

Alzheimer’s Disease

Treatment for Coronary Artery Aplastic Anaemia

Blindness

Disease Brain Surgery

Deafness

Benign Brain Tumor Cancer

Loss of Speech

Cardiomyopathy Coma
Medullary Cystic Disease

End Stage Lung Disease Coronary Artery By-

Motor Neuron Disease

Muscular Dystrophy Heart Attack pass Surgery

Heart Valve Surgery Kidney Failure

Major Burns End- Stage Liver

Multiple Sclerosis Disease

Multiple Trunk Avulsions of the Loss of Independent

Brachial Plexus Existence

Necrotizing Fascitiis Loss of Limbs

Paralysis or Paraplegia Major Head trauma

Parkinson’s Disease Major Organ

Primary Pulmonary Hypertension Transplant

Poliomyelitis Stroke
Systemic Lupus Erythematosus Surgery of Aorta

Terminal Illness

Total Permanent Disability(to Age 65)

Benefits under LifeLine - Wellness™ Plan
You can avail benefits on the happening of any of the above events
and fulfilling the following 3 conditions
 Confirmed by a registered medical practitioner, including a relevant
specialist acceptable to the company (the cost of which shall be
borne by the policyholder).
 Provided the life insured has survived for at least 28 (Twenty eight)
days after the happening of the insured event..
 The life insured filing with the company all the required claim
documents within 60 days of the date of the happening of the
insured event.

 A claim with respect to any particular critical illness, if paid, shall

not be payable again.
Special Benefits: APEX MEDICAL OPINION (Second Medical Opinion)
 LifeLine-Safety Net™ Plan
UIN 104N043V01

Just as life, it is important to insure one's health to live a

peaceful life. Ironically, it is well-known facts that lot of
individuals are either uninsured or not insured at all. In
spite of the rapid advancement of medical science, the
expenses attached to various treatments are quite high.
Everybody definitely needs health insurance coverage
because illnesses if contracted can seriously impact
finances and devour precious savings due to the absence
of a good health cover. Therefore, it's important to get your
health insured at the earliest and enjoy a hassle-free life.
There is a vast variety of affordable health insurance plans
in the market. However, it's up to you to choose the best
possible health cover, which would suit your budget.

Recognizing the need for a complete all round financial

protection for you and your family, Max New York Life
Insurance Company offers you a term cum health
insurance - LifeLine-Safety Net™ , the new age insurance
covering death, disability, disease and accident under one
single plan.
Eligibility Criteria
Criteria Eligibility

Minimum/ Maximum Age At entry 18 years to 60 years

Policy Term 10, 15, 20, 25 or 30 years

Maximum Cover Ceasing Age 75 years

Minimum Sum Assured Rs. 200,000

Maximum Sum Assured Rs. 40,00,000

Premium Guarantee 5 Years Premium is renewed every 5 years through the

term of your plan

Benefits
Death Benefit
In case of unfortunate event of the death of the life insured, the company shall pay the sum assured as specified in
the schedule of the policy subject to deduction of Critical illness benefit if paid any.
Critical illness benefit

 On the diagnosis of any of the critical illnesses (Cancer, Coma, Kidney Failure, Multiple Sclerosis, Heart
Attack, Paralysis / Paraplegia and Stroke) or

 On the actual undergoing of the surgery of Major organ transplant, Coronary artery , bypass surgery , Heart
valve surgery, the company shall advance 50 % of the sum assured as specified in the schedule of the
policy document, subject to the survival of the life insured for at least 28 (Twenty Eight ) days after the
happening of the such insured event
As this is an accelerated benefit, availing this will reduce the death benefit to be paid on death of Life Insured by 50%.
Total and Permanent Disability Benefit –
 During the Policy term if the life insured meets with an accident which results in total and permanent
disability within 180 days of the accident, the company shall pay an additional benefit of 50 % of the sum
assured. This is an additional benefit over and above of other benefits.

 If the life insured is engaged in any of the occupation which require to spend significant time being exposed
to the risk factors associated with the type of occupation/ industry, the cover in respect of total and
permanent disability shall immediately cease to apply irrespective of the fact whether

 The life insured informed the company of the change in his occupation or industry or

 A total and permanent disability was not caused as a result of such exposure to risk factors associated with
the type of occupation/ industry where the life insured was working.

Accidental Death Benefit

If the life insured dies due to an accident, the Company shall pay an additional benefit equal to 100% of the sum
assured as specified in the schedule.
 Comprehensive Insurance plan giving financial protection

from:

1.Death

2.Critical Illness

3.Total and Permanent Disability

4.Accidental Death Benefit

 5 Years Premium Guarantee

 High Coverage Tenure (Up to 30 Years)

 Tax Benefit under section 80C

 Max New York Life LifeLine Healthy Family Plan
UIN 104N052V01

Why Healthy Family

The core of any happy family is a healthy family.

However, demanding lifestyles, high stress levels and

deteriorating environmental conditions are increasing

the probability of diseases and consequently, treatment

for the same. The need of the hour is for a plan that not

only takes care of your health, but also takes care of

your family. Taking care of this need Max New York Life

presents LifeLine Healthy Family™ - the Most

Comprehensive Health Insurance Plan

Eligibility Criteria

Criteria Eligibility

Minimum / Maximum Age for Adults 18 years / 65 years

Minimum / Maximum Age for Children 0 days / 18 years

Policy Term 10 years

Maximum Age at Maturity 75 years

Premium Guarantee 5 years rate guarantee

Premium Payment Mode Anuual, Semi-annual, Quarterly and Monthly

Family benefit is extended to

• Self
• Spouse

• Children (existing and future additions)

Parents Benefit is extended to Policyholder's parents only

Benefits structure for : 1 unit for Family

Category/Benefit (Rs.) Self Spouse Children
Hospitalization Benefit:

Daily Cash / per diem 1,000

ICU Cash / per diem 2,000

Post hospitalization care benefit 3,000

Surgical Cash (lump-sum) 2,00,000

Critical Illness (lump-sum) 4,00,000 2,00,000 NA

Maximum Hospitalization days (limit)

Policy Year 100

Policy Term 500

*Congenital Surgical Correction (only for children under 18 years of age)

For benefit corresponding to unit, multiply all benefits except number of days into number of units chosen

Choice of units: 1 to 5

There are 5 categories of Surgeries under Surgical Cash Benefit:

 Supramajor: 50% of the surgical cash limit
 Major: 17.5% of the surgical cash limit
 Intermediate: 7.5% of the surgical cash limit
 Minor: 5% of the surgical cash limit

 Others: Lower of 10,000 or 2.5% of surgical cash benefit, whichever is lower

Benefits structure for: 1 unit for Parents

Category/Benefit (Rs.)

Hospitalization Benefit:

Daily Cash/ per diem 1,000

ICU Cash/per diem 2,000

Post hospitalization care benefit 3,000

Surgical Cash (lump-sum) /per Parent 1,00,000

Critical Illness (lump-sum) /per Parent 1,00,000

Maximum hospitalization days(limit)

Policy Year 100

Policy Term 250

For benefit corresponding to unit, multiply all benefits except number of days into number of units chosen

Choice of units: 1 to 5

There are 5 categories of Surgeries under Surgical Cash Benefit:

 Supramajor: 100% of the surgical cash limit
 Major: 35% of the surgical cash limit
 Intermediate: 15% of the surgical cash limit
 Minor: 10% of the surgical cash limit

 Others: Lower of 10,000 or 5% of surgical cash benefit, whichever is lower

Guaranteed renew ability till age 75

Long term Health coverage for 10 years

 Up to Rs. 35,000 as tax benefit under section

80D of the Income Tax Act,

• Rs. 15,000 for self, spouse and children

• Rs. 20,000 for parents

Cashless hospitalization in over 4000+

network hospitals across the country

Fixed hospitalization benefits irrespective of

actual billing

Photocopies of bills will suffice for claims