Highlight:
| 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 |
