This is a basic health insurance policy which covers medical expenses incurred by a person due to illness, injury or accident and requires sudden or planned hospitalization for treatment or surgery.
Title |
Description |
Room Rent Limit |
Up to 1% of sum insured, Max 5000 |
ICU Daily Rent Limit |
Up to 2% of sum insured, Max 10000 |
Pre-Hospitalization Expenses |
30 days |
Post Hospitalization Expenses |
60 days |
Minimum Hospitalization Period |
24 Hrs |
Day Care Procedure Coverage |
Yes |
Pre-Existing Disease / Illness coverage |
After 48 months |
Waiting Period for New Policy |
30 days |
Medical Screening |
Above age 45 years |
Free Health Checkup |
Up to 1% of sum insured, after every 4 claim free years |
Ambulance Expenses |
Up to 1% of sum insured, Max 2000 |
Nursing Allowance |
Up to 1 % of sum insured, Max 5000 |