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Entry Age
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18 years to 65 years. Children between the ages of 3 months and 18 years can be covered provided the parents are covered by this policy.
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Basis
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Individual
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Policy Period
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1 year with a grace period of 30 days
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Renewability
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Lifelong
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Sum Insured
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Ranges from Rs. 50,000 to Rs. 5 lakhs
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Medicals
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Require if the age of the insured is above 50 years and they are taking the policy for the first time
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Discount
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10% discount on premiums if family members are also covered under this policy
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Coverage
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- The policy will cover over 140 day care procedures
- Pre-hospitalisation expenses up to 30 days before hospitalisation will be covered
- Post-hospitalisation expenses incurred up to 60 days after hospitalisation will be covered
- Ambulance charges up to Rs. 2,000 will also be covered
- Room charges including administration, nursing, transfusion and injection charges
- General physicians, surgeon, anaesthetist or specialist's fee
- Cost of medicines including blood, oxygen, tests, appliances etc. will be covered
- The waiting period for pre-existing conditions to be covered is 4 years
- During the first 30 days only accidental injuries will be covered
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Benefits
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- This policy will cover Ayurvedic and Homeopathic treatments up to 20% of the sum insured
- Every claim free year will enhance the sum insured by 5%
- Premiums paid are eligible for tax benefits under section 80D
- The sum insured can be enhanced when the policy is renewed but is subject to a maximum of Rs. 5 lakhs
- This policy can be bought online too
- If the proposal is accepted the company will reimburse 50% of the cost of pre-policy check-ups
- Cashless treatments can be taken at over 6000 hospitals throughout India
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Exclusions
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- Domiciliary treatment will not be covered
- Injuries caused by wars and dangerous sports will not be covered
- Visits by nurses or doctors to the house will not be covered
- Treatment outside India will not be covered
- Treatment for HIV/AIDS and other STD's will not be covered
- Vaccinations and inoculations are not covered
- Dental treatment will not be covered if not required as a result of an accident
- Experimental and unproven treatments will not be covered
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