| Min Entry Age |
5 years, 91 days if either parent is covered |
| Max Entry Age |
65 years |
| Max Policy Renewal Age |
No Limit |
| Policy Term |
1 or 2 years |
| Sum Assured Options |
3/4/5/7.5/10/15/20/25/50 Lacs |
| Premium Payment Options |
1 or 2 Years |
| In-patient Treatment |
Covered |
| Day-Care Procedures |
All day care procedures are covered which do not require 24 hr hospitalisation |
| Domiciliary Treatment |
Covered |
| Expenses for organ donor |
Covered |
| Pre hospitalisation |
Medical expenses incurred due to illness during the 60 days immediately before hospitalisation |
| Post hospitalisation |
Medical expenses incurred during the 90 days immediately after discharge from hospital |
| Emergency Ambulance |
Up to Rs 2,000 per hospitalisation |
| Health Check-up |
Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous 3 years |
| Maternity Expenses |
Waiting period of 6 years for sum assured 3/4/5/7.75/10 Lacs, waiting period of 4 years for sum insured 15/20/25/50 Lacs. Refer Policy Wording. |
| Ayush Benefit |
Upto Rs.25,000 for sum insured Rs.7.5/10 Lacs. Upto Rs. 50.000/- for sum insured Rs.15/20/25/50 Lacs |
| No Claim Bonus |
10% increase in your annual inpatient benefit sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year |
| Restore Benefit |
Not Available |
| Cashless facility |
Available at empanelled hospitals in India |
| Re-imbursement |
In case policyholder opts for non empanelled hospital, expenses are re-imbursed within 14 working days from date of submission of all records |
| Co-Pay |
Not Applicable |
| Claim Based Loading |
No claim based loading |
| Renewal Premium Discount |
Renewal discount of 7.5% on advance premium payment for 2 year policy term |
| Family Premium Discount |
A family discount of 5% if 2 family members are covered and 10% is offered if 3 or more family members are covered under the same policy |
| Tax Benefit on Investment |
Tax Benefit under section 80D of Income Tax Act |
| Riders |
Optional Critical Illness cover |
| Pre Policy Medical CheckUp |
No medical checkup required till certain age and certain sum insured |
| Pre-existing disease |
Any pre-existing condition will be covered after a waiting period of 3 years |
| Waiting Period |
2 years waiting period for specific diseases like cataract, hernia, joint replacement. Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 days consecutive days. |
| No claim period |
All treatments within the first 30 days of cover except any accidental injury |
| General exclusions |
AIDS or any related illness will not be covered.Treatment of any mental or related disease. |
| Grace Period |
15 days grace period is allowed to policyholder for payment of premium at the insurers discretion. |
| Policy Termination |
Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded |
| Doctor Consultations (OPD) |
Not covered |
| Reimbursement (OPD) |
|
| Annual Health CheckUp (OPD) |
N.A. |
| Pros |
No Sublimits, Lifelong renewal, 10% No Claim Bonus for each claim free year, upto 10% family discount on premium |
| Cons |
Entry limited upto age 65 |