Health Guard individual option plan is designed to suit all your health care needs as it takes care of the expensive medical treatment incurred during hospitalization
Title |
Description |
Ambulance Expenses |
Up to INR 20,000/- per policy year |
Automatic Restoration of Sum Insured |
Recharge Benefit: In event of claim amount exceeding the limit of indemnity, Sum Insured would be increased by 20% maximum up to 5 Lacs. |
Co-Payment |
Voluntary co-Pay is available |
Daily Hospitalization Allowance |
Daily Cash Benefit of Rs. 500 per day maximum up to 10 days, in respect of one parent/legal guardian, to stay with any minor Insured (under the Age of 12) |
Day Care Procedure Coverage |
All procedures covered |
Donor Expenses |
Covered |
Free Health Checkup |
Silver Plan:-1% of SI up to Rs.2000 during the block of 3 years |Gold Plan:-1% of SI up to Rs.5000 during the block of 3 years|Platinum Plan:-1% of SI up to Rs.5000 during the block of 2 years |
ICU Daily Rent Limit |
Silver Plan:Up to 1% of Sum Insured per day (Excluding Cumulative Bonus)|Gold Plan and Platinum Plan:If admitted in ICU, the Company will pay up to actual ICU expenses provided by Hospital |
Medical Screening |
Age 46 and Above |
Minimum Hospitalization Period |
24 Hrs |
No Claim Discount |
Up to 10 % of sum insured, Max 100 %, Super Cumulative Bonus 50% of base Sum Insured per annum for first 2 years and later 10% of base Sum Insured per annum for next 5 years max |
Non-Allopathic Treatments |
Silver:-Not Covered |Gold And Platinum:-Up to INR 20,000/- per policy year |
Post Hospitalization Expenses |
90 days |
Pre-Existing Disease / Illness coverage |
After 36 months |
Pre-Hospitalization Expenses |
60 days |
Room Rent Limit |
Silver Plan:Up to 1% of Sum Insured |Gold Plan and Platinum Plan:Sum Insured 3 lacs to 7.5 lacs- maximum eligible room is Single private Air Conditioned room,Sum Insured 10 Lacs and above - eligible for any room category |
Waiting Period for New Policy |
30 days |