Persons who have been diagnosed witha Cardiac ailment/ disorder inthe past and undergone a Cardiac Surgical intervention or procedure for the same. Note - Person with pacemaker can also apply for this policy.
Title |
Description |
Ambulance Expenses |
Covered (Actuals) |
Automatic Restoration of Sum Insured |
Available once in a policy year (does not cover same illness/cardiac ailments/ modern treatments) |
Co-Payment |
Not applicable |
Day Care Procedure Coverage |
All daycareproceduresarecovered(Actuals)(Note:Sub-limitsapplicableonlyforCataracttreatment) |
Donor Expenses |
Heart Transplantation expenses Covered up to 200% of the Sum Insured (ExpensesincludingharvestingandtransportationofHeartbyAirand/orRoadarecovered) |
Free Health Checkup |
For SI 5 lac and 7.5 lac Rs 2000 and For SI 10 Lac Rs 3000 and SI 15 Lac Rs 4000 availableaftereverypolicy year |
ICU Daily Rent Limit |
Covered (Actuals) |
Medical Screening |
Not Required. ECHO,ECG (taken within 6months),Consultation andall medical records related totheintervention/ surgery/ medical management should be submitted at the time of proposal |
Minimum Hospitalization Period |
24 hours |
No Claim Bonus |
10%ofthesuminsuredforeachclaim freeyearandmaximumupto100%of thesum insured |
Post Hospitalization Expenses |
60 days Actual |
Pre-Existing Disease / Illness coverage |
Covered after 4 years |
Pre-Hospitalization Expenses |
30 days Actual |
Room Rent Limit |
Single Private AC Room (Actuals) |
Waiting Period for New Policy |
30 days for all illnesses (except for accidents) |