a) In-patient Treatment – Hospitalisation expenses due to an illness or accident.
b) Pre-Hospitalisation medical expenses.
c) Post-Hospitalisation medical expenses.
d) Daycare procedures – Coverage for enlisted 140 daycare procedures which do not require 24 hours hospitalization.
e) Organ Donor – Medical expenses for the harvesting of the organ donated to the Insured person.
f) Emergency Ambulance – Expenses up to Rs.2000 per hospitalization.
Details about Premium
Annual premium in Rupees
*The above rates may change. Please check the policy wordings for more details.
Sum Insured: 5 Lakhs
Coverage type: Individual/ family
Grace period: Grace Period of 30 days for renewing the policy is provided under this policy.
Renewal Policies: Lifelong Renewal.
Policy termination: The policyholder may terminate the policy at any time by giving the company a written notice. The premium shall be refunded as per the table below if no claim has been made.
*The above rates may vary. Please check the policy wordings for more details.
Free look period: 15 days
Additional Features or Riders
Discounts: Family discount of 10% if 2 or more family members are covered under the same Policy.
All treatments within the first 30 days of cover except in case of any accidental injury.
Pre-existing condition is covered after a waiting period of 4 years.
2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.
HIV or AIDS and related diseases.
Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
Abuse of intoxicant or hallucinogenic substances like drugs and alcohol.
Hospitalisation happens due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
Pregnancy, dental treatment, external aids, and appliances unless specifically covered under the Plan.
Items of personal comfort.