Health Insurance
Health Insurance
Allow us to pay your hospitalization expenses ₹₹₹… and you no need to worry about hospital bills any more
Give tension free lives to your family
- Room, Boarding, Nursing Expenses all inclusive as provided by the Hospital / Nursing Home as per the limits given below:-
Sum Insured in lakhs (Rs.) 5 10/15/20/25 50/75/100/200 Room Rent Criteria Up to 1% of Sum Insured per day Any Room(Except suite or above category) Any room - Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
- All day care treatments are covered
- Coverage for Non-medical Items (Consumables) available click here to view details
- Road Ambulance charges for transportation of Insured Person covered subject to an admissible Hospitalisation Claim.
- Air Ambulance : up to 10% of the Sum Insured per year is payable
- Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
- Post- Hospitalization expenses incurred up to 180 days after discharge from the hospital.
- Domiciliary Hospitalization: Coverage for medical treatment (Including AYUSH) for a period exceeding three days.
- Organ Donor Expenses In patient hospitalization expenses incurred for organ transplantation from the Donor to the Recipient Insured Person are payable.
- Health Checkup Assure: Expenses incurred towards cost of health check-up up to the limits for each policy year (irrespective of claim).
- Home care treatment: Payable up to 10% of the sum insured subject to maximum of Rs.5 lakhs in a policy year, for treatment availed by the Insured Person at home, only for the specified conditions
- Delivery Expenses : Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal expenses) up-to 10% of the Sum Insured is payable.
- In Utero Fetal Surgery/Intervention : The Company will pay the expenses incurred for listed In Utero Fetal Surgeries and Procedures after the waiting period of 24 months from the date of inception of this policy
Note : The above mentioned waiting periods will not apply for treatment related to congenital Internal disease / defects for the Unborn - Assisted Reproduction Treatment: The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment upto the limits in a policy year, for sub-fertility
- Hospitalization expenses for treatment of New Born Baby: Cover New born baby from Day 1 of its birth subject to limits. However, the sublimit will not apply for treatment related to congenital disease/defects for the new born.
- Treatment for Chronic Severe Refractory Asthma : cover is payable up to 10% of sum insured not exceeding Rs.5 lakhs per policy period.
- Compassionate travel: The Company will reimburse the transportation expenses by air incurred upto Rs.10,000/- for one immediate family member(other than the travel companion) for travel towards the place where hospital is located.
- Repatriation of Mortal Remains The Company shall reimburse up to Rs.15,000/- in a policy year
- Treatment in Valuable service providers network: An amount calculated at 1% of Sum Insured subject to a maximum of Rs.5,000/- per policy period is payable as lump sum.
- Shared accommodation: An amount of Rs.1,000/- per day will be payable for each continuous and completed period of 24 hours of stay in such shared accommodation.
- AYUSH Treatment: AYUSH treatment is payable up to the sum insured.
- Second Medical Opinion: The Insured Person can obtain a Medical Second Opinion from a Doctor in the Company’s network of Medical Practitioners
- Coverage for Modern Treatment: Please click here
- Benefit/Premium illustration for Individual and Floater basis please Click Here
- Cumulative Bonus: The insured person will be eligible for Cumulative bonus calculated at 25% of sum insured for each claim free year and maximum upto 100% of the sum insured
- Automatic Restoration of Sum Insured: Unlimited number of times and maximum up to 100% each time, which can be utilized for a subsequent hospitalization
- Rehabilitation and Pain Management: Payable up to the sub-limit (or) maximum up to 20% of the sum insured whichever is less, per policy year.
- Optional Cover to choose deductible: If the insured person chooses any of the following deductible, the Company will provide a discount on premium as per the table given below
Sum Insured Aggregate Deductible Option Discount offered Up to Rs. 20 lakhs Rs. 50,000/- 45% Rs. 1,00,000/- 55% Above Rs. 20 lakhs Rs. 50,000/- 35% Rs. 1,00,000/- 50% Note: This deductible is applicable for every policy year. (on Aggregate basis)
- Waiting Period:
- Pre-Existing Diseases:
- 30 months in case of 3 years term
- 36 months in case of 1 year and 2 years term
- Specified disease / procedure waiting period: 24 months
- Initial waiting period: 30 days
- Pre-Existing Diseases:
- Instalment Facility: Premium can be paid Quarterly and Half Yearly. Premium can also be paid Annual, Biennial (once in 2 years) and Triennial (once in 3 years). Note: Instalment facility is not available for long term (2 year and 3 year) policies
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