A comprehensive medical shield plan to meet the hospitalization expenses towards the ailment of illness/disease/injury sustained or contracted by the insured during the policy period including few day care surgeries as well. Available for individual between the age of 18 years to 36 years. Provision for continuation of plan post the age of 35 of the insured subject to renewal of plan without any break. Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently. Sum Insured is between Rs.1 lac to Rs.10 lacs in multiples of Rs.50, 000/ Cashless facility in more than 7000 hospitals across Pan India. Family discount of 5% on the total premium if policy is taken for self and any one or more family members viz. spouse or dependent children. Expenses covered under the plan. Hospitalization expenses such as Room, Boarding and Nursing expenses not exceeding 1% of the Sum Insured or actual whichever is less. ICU expenses not exceeding 2% of the Sum Insured or actual whichever is less. Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, and Specialists Fees. Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured. If the insured person opts for a room with rent higher than the entitled category, the charges payable above shall be limited to the charges applicable to the entitled category only. However, this will not apply for Medicines & drugs and implants. Pre-hospitalization expenses incurred up to 30 days prior to date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge – actual expenses or 10% of the Sum Insured whichever is less. Expenses for the Cataract, Hernia, Hysterectomy, subject to maximum cap of restricted to – Actual expenses or 25% of SI whichever is less. For other major illness/surgeries actual expenses or 70% of SI whichever is less. Certain specified Day Care procedures which require less than 24 hours hospitalization. Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.
