Title |
Description |
Room Rent Limit |
No Capping |
ICU Daily Rent Limit |
No Capping |
Pre-Hospitalization Expenses |
30 days |
Post Hospitalization Expenses |
60 days |
Minimum Hospitalization Period |
24 hours |
Day Care Procedure Coverage |
Covered |
Additional Cover for Critical Illness |
The customer can opt for Critical Illness Cover covering specified Critical Illnesses |
Automatic Restoration of Sum Insured |
up to 100% of the base Sum Insured unlimited times in
a policy year |
Pre-Existing Disease / Illness coverage |
Covered after 2 years |
Waiting Period for New Policy |
30 days |
Co-Payment |
Only Hospitalization expenses incurred
abroad with a co-pay of 10% |
Medical Screening |
No medical tests will be required for insurance cover below the age of 46 years and Sum Insured up to `10 Lakhs |
Free Health Checkup |
The coupons would be provided to each Insured for every policy year, subject to a maximum of 2 coupons per year for floater policies. |
Ambulance Expenses |
Coverage limit under this shall be 1% of the SI up to a maximum of 10,000.. Air Ambulanceup to SI |
Non-Allopathic Treatments |
Covered |
New Born Baby Cover |
Covered, maximum period up to 91 days from the date of birth of the child |
Daily Hospitalization Allowance |
If hospitalisation is atleast for a minimum of 3 consecutive days and subject to maximum of 10 consecutive days
|
Donor Expenses |
Covered Upto 10 Lacs |
No Claim Bonus |
10% of SI for each completed claim free year subject to a maximum of 50%, in case of Claim reduction in Accumulated SI by 10%. Optional Super NCB of 100% for SI 5Lto 10L and 200% for SI 15Lto 50L, in case of claim 50% reduction |