Health Wise is a health insurance policy for you and your family that aims at covering hospitalization medical expenses and other incidental expenses in case insured person gets hospitalized.
Title |
Description |
Room Rent Limit |
No sub-limit on Room Rent |
ICU Daily Rent Limit |
No sub-limit |
Pre-Hospitalization Expenses |
60 days for Gold and Silver Plan. 30 days for Standard Plan |
Post Hospitalization Expenses |
90 daysfor Gold And silver Plan. 60 days for Standard Plan |
Minimum Hospitalization Period |
24 Hrs |
Day Care Procedure Coverage |
171 day care procedures covered |
Pre-Existing Disease / Illness coverage |
Covered after 2 continuous renewals under Gold and Silver Plan. After 4 continuous renewals
for Standard Plan |
Waiting Period for New Policy |
30 days |
Free Health Checkup |
1% of average sum insured for individual policies and upto 1.25% for floater covers, once at the end of a block of four consecutive years |
Ambulance Expenses |
For Gold Plan Upto Rs.1000/- , For Silver Plan Upto Rs.750/-, For Standard Plan Upto Rs.500/- |
Daily Hospitalization Allowance |
Under Gold Plan Rs.250 per day up to 7 days |
Donor Expenses |
Upto 50% of base sum assured subject to maximum of Rs 5 lakh |
Attendant Allowance |
For Gold Plan Rs.300/- per day for a maximum period of 5 days, For Silver Plan Rs.250/- per day for a maximum period of 5 days, For StandardRs.200/- per day for a maximum period of 5 days |
Nursing Allowance |
Rs.300 per day for a maximum period of 5 days under Gold Plan, Rs.250 per day for a maximum period of 5 days under Silver Plan |
No Claim Discount |
Up to 5% of base premium, Max 20% |
No Claim Bonus |
accidental death cover of 100000, for claim-free policy year |