The Policy provides cover on an Individual or Family Floater basis.
Title |
Description |
Ambulance Expenses |
0.5% of the Sum Insured subject to a maximum of Rs. 2500 per event and 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period |
Automatic Restoration of Sum Insured |
For SI Rs.3 Lac & Above (Optional) |
Co-Payment |
10% For persons with age of entry above 60 years |
Daily Hospitalization Allowance |
Optional |
Day Care Procedure Coverage |
Covered |
Donor Expenses |
Covered when insured person needs Donation and A lump sum payment of 10% of Sum Insured when Insured person is donor |
Free Health Checkup |
1% of Last 3 Years’ average SI Max Rs 5000/Person for Individual Policy and Rs 10000/Policy for Floater policy for block of every three claim free years. |
ICU Daily Rent Limit |
For SI < Rs. 5 Lacs 2% of Sum Insured. For SI Rs. 5 Lacs and Above Actuals |
Medical Screening |
Pre–acceptance medical check–up may be required at the Company’s discretion for all the members
entering after the age of 60 years |
Minimum Hospitalization Period |
24 Hours |
New Born Baby Cover |
New born Baby shall be covered from day one upto the age of 90 days |
No Claim Discount |
5% on renewal premium and for every subsequent claim free year subject to a maximum of 15% |
Non-Allopathic Treatments |
0.5% of the Sum Insured subject to a maximum of Rs. 2500 per event and 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period |
Post Hospitalization Expenses |
60 Days |
Pre-Existing Disease / Illness coverage |
Pre-existing disease(s) covered after 48 months of continuous coverage. |
Pre-Hospitalization Expenses |
30 Days |
Room Rent Limit |
For SI < Rs. 5 Lacs 1% of Sum Insured, For SI Rs. 5 Lacs and Above 1% of Sum Insured or Single Occupancy Standard AirConditioned Room Charges whichever is higher |
Waiting Period for New Policy |
30 days |