Details About Premium Annual premium depends on the plan chosen. For details please refer to the website. Policy Details Minimum sum assured – 2 lakhs Maximum sum assured – 50 lakhs Coverage type: Family floater Discount: After completing 2 years of policy period, 12.5% discount can be availed on 2nd year premium. Additional features or riders New born to senior citizen, all are covered Free health check-up every 2 years International Cashless facility Exclusions No treatment covered within first 90 days until it is a case of accident/emergency Benefits not applicable on pre-existing diseases Cosmetic, aesthetic, or related treatments will not be covered. Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered. Treatments consisting of non-allopathic medicine are not covered under this policy.