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IMPORTANT HIGHLIGHTS
Policy Type This policy can be availed either on an Individual or Floater basis. |
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Individual Entry Age Any person aged between 91 days and 75 years can avail this policy on an Individual basis. |
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Floater Entry Age Any person aged between 18 and 75 years can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 16 days and 17 years are covered. |
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Medical Examination No pre-medical check-up is required to avail this policy. However, those who declare adverse medical history may be subjected to pre-medical check-up at Company's cost. |
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In-Patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
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Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. |
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Post-Hospitalisation Post-hospitalisation medical expenses incurred up to 180 days from the date of discharge from the hospital are covered. |
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Room Rent Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 1% of the Sum Insured per day for Rs. 5 lakh Sum Insured; any room (except suite or above category) for Rs. 10/15/20/25 lakh Sum Insured options; and any room for Rs. 50/75/100/200 lakh Sum Insured options. |
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Shared Accommodation Expenses incurred on occupying a shared accommodation by the insured person are covered up to the limits mentioned in the policy clause. |
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Coverage for Non-medical Items If there is an admissible claim under the policy, then non-medical items specified in this policy will become payable. |
HIGHLIGHTS
Plan Essentials
Wide Cover
This policy provides wide coverage including self, spouse, dependent children
(maximum 3), parents and parents-in-law.
Mid-Term Inclusion
Newly married / wedded spouse, New Born Baby and legally adopted child can be covered under the policy on payment of an additional premium.
Delivery Expenses
Delivery expenses including the Caesarean section (both pre-natal and post-natal) are covered up to 10% of the Sum Insured.
New Born Cover
Hospitalization expenses for the treatment of newborn are covered from day one of birth till the expiry date of the policy subject to limits. However, the sublimit will not apply for treatment related to congenital disease/defects for the new born.
Automatic Restoration of Sum Insured
On partial or full utilization of the Sum Insured during the policy period, 100% of the Sum Insured will be restored unlimited number of times in the policy year that can be utilized for all the claims.
Home Care Treatment
Expenses incurred for home care treatment for specified conditions are covered up to 10% of the Sum Insured subject to the maximum of Rs. 5 Lakh in a policy year. The insured person can avail this service either on a cashless or reimbursement basis.
Chronic Severe Refractory Asthma
In-patient hospitalization, Day Care, Home Care and Outpatient expenses incurred for the treatment of Chronic Severe Refractory Asthma are covered up to 10% of the Sum Insured subject to the maximum of Rs. 5,00,000/- per policy period.
Assisted Reproduction Treatment
Expenses incurred for proven Assisted Reproduction Treatments are covered up to the specified limits.
