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Eligibility age
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Minimum age for children is 91 days
Minimum age for adults is 18 years
Maximum age no limit for entry under this plan
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Policy term
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The term of the policy can be for either 1 year or 2 years
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Renewability
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Lifetime renewal opportunity is available for this policy
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Sum Insured
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Sum insured can be chosen from the options below:
- Rs. 4.5 lakhs
- Rs. 5.5 lakhs
- Rs. 7.5 lakhs
- Rs. 10 lakhs
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Medical Tests
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- Individuals who choose a sum insured of Rs. 4.5 lakhs, Rs. 5.5 lakhs and Rs. 7.5 lakhs, and are above the age of 46 years, will need to undergo compulsory medical tests.
- If the sum insured is Rs. 10 lakhs, the policyholder will need to undergo medical tests if they are above the age of 41 years.
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Premiums
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There are a number of factors on which the premium rate will depend, some of these factors are listed below:
- Age of the life insured
- Lifestyle choices: if the individual is a smoker the premiums could be higher
- Sum assured that has been chosen by the insured individual
- Medical test results
- The area in which the insured in living, is divided into 3 zones, the geographical location of the insured will also affect the premium rate depending on which zone the insured resides
- Premiums payable will also be affected, if you have enrolled any family members under a single individually policy
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Features of the policy
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- With this policy you will have worldwide emergency coverage
- You will also get cumulative bonuses for no claims under this policy
- Maintaining a healthy lifestyle will provide a benefit to cover costs incurred for consultation and pharmacy charges
- If the sum assured has been used up and more is required, the insurer can refill the sum assured once every policy year.
- Treatment for up to 60 days prior to hospitalisation, and up to 90 days of post hospitalization will be covered under this policy
- Cost of drugs and medications, diagnostic tests, pacemakers and blood are covered as well
- Domiciliary treatment is covered if it is needed due to circumstances under which the individual cannot be treated in a hospital
- Expenses related to any donor needs in case of organ donation will also be covered
- Charges for ambulances in case of emergencies are covered up to Rs. 3,000 per hospitalization
- Treatments and procedures for day care are covered under this plan for hospitalization of less than 24 hours
- Add-ons for critical illness can be opted for under this policy. And will receive a lump sum payment on the first diagnosis of a critical illness
- Costs for critical illnesses expenses is covered by the policy in case of family floater policy, and a 100% reinstatement of sum insured will be provided
- Waiting period of 36 months will need to be completed for pre-existing diseases to be covered
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Discount
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A discount of 10% will be provided is the insured adds more than 2 members of their family under 1 policy
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Co-payments
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- A voluntary co-payment option will be available under the policy
- A deductible option is also available under this policy, wherein you can choose any amount between Rs. 1 lakh or Rs. 2 lakhs, and pay the deductible amount from your own pocket or with an existing health policy
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Medical test
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- A medical test will need to taken up, before the enrollment of an individual and its requirement will depend on the age and the sum insured chosen
- A policyholder who is above the age of 46 years and has chosen a sum insured of either Rs. 4.5 lakhs, Rs. 5.5 lakhs or Rs. 7.5 lakhs will need to undergo medical tests compulsorily
- If they are above the age of 46 years and the sum insured is Rs. 10 lakhs, they will need to go through medical tests
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