| Min Entry Age |
18 Years |
| Max Entry Age |
65 Years |
| Max Policy Renewal Age |
Lifelong renewal |
| Policy Term |
1 year/ 2 years/ 3 years. |
| Sum Assured Options |
5/7.5/10/15/20/25/50/75 Lacs |
| Premium Payment Options |
1 year/ 2 years/ 3 years. |
| In-patient Treatment |
Covered. |
| Day-Care Procedures |
Covered. |
| Domiciliary Treatment |
Covered. |
| Expenses for organ donor |
Covered. |
| Pre hospitalisation |
Covered upto 60 days prior to hospitalization date. |
| Post hospitalisation |
Covered upto 180 days immediately after discharge from hospitals. |
| Emergency Ambulance |
Road ambulance is covered . Air ambulance is also covered. |
| Health Check-up |
Available |
| Maternity Expenses |
No applicable. |
| Ayush Benefit |
Available. |
| No Claim Bonus |
10%/25% at no claim bonus in claim free year, maximum upto 100%. In case of claim, bonus will be reduced by 10%/200% of the basic sum Assured. However this reduction will not reduce the Sum Assured below the basic Sum Assured of the policy. |
| Restore Benefit |
Upto 100%/200% as plan opted. |
| Cashless facility |
Available for treatments at network hospitals. |
| Re-imbursement |
Covered for network and non-network hospitals. |
| Co-Pay |
Not Applicable. |
| Claim Based Loading |
Not Applicable. |
| Renewal Premium Discount |
Available. |
| Family Premium Discount |
Available. |
| Tax Benefit on Investment |
Tax benefit under section 80D of the Income Tax Act |
| Riders |
Not Applicable |
| Pre Policy Medical CheckUp |
No medical check-up is required till certain age and certain sum assured, only tele verification call is required. |
| Pre-existing disease |
Waiting period 36 months for pre-exisitng disease |
| Waiting Period |
24 months waiting period for specific disease |
| No claim period |
Any disease contracted during the first 30 days of commencement of the policy except for accidental emergency. |
| General exclusions |
Non allopathic treatments. AIDs or anyrelated illness will not be covered Treatment of any mental or related disese is also excluded. |
| Grace Period |
30 Days. |
| Policy Termination |
Policyholder is allowed to terminate the policy at anytime givin 15 days written notice. In case no claim has been made under the policy. |
| Doctor Consultations (OPD) |
|
| Reimbursement (OPD) |
|
| Annual Health CheckUp (OPD) |
|
| Pros |
Sum Assured Restoration. 20% No caim Bonus. Lifelong Renewal. No sub Limits. No claim loading on premium. |
| Cons |
Increase 10%/25% of base sum assured every claim free yearupto 100%/200% of base sum assured as per the plan opted. Calculate premium online option. |