• Plan A requires medical screening and provides coverage from day one. Plan B does not require medical screening but provides cover only from the 15th month
• Medical screening costs are absorbed 100% by the company, provided the policy is accepted. If the policy is rejected, 50% of the medical screening will be charged

For Cataract, sublimit under both Plan A and Plan B are as follows:

• For sum insured between Rs.3 lakh and Rs.5 lakh, Rs.20,000 per eye per person and Rs.30,000 per policy period.
• For sum insured of Rs.10 lakh, Rs.30,000 per eye per person and Rs.40,000 per policy period.

For diseases regarding Cardio Vascular System, sublimit under and Plan B is as follows:

• For sum insured of Rs.3,00,000, the maximum liability per policy period of the company is Rs.2,00,000.
• For sum insured of Rs.4,00,000, the maximum liability per policy period of the company is Rs.2,50,000.
• For sum insured of Rs.5,00,000, the maximum liability per policy period of the company is Rs.3,00,000.
• For sum insured of Rs.10,00,000, the maximum liability per policy period of the company is Rs.4,00,000.

• Pre-hospitalization expenses up to 30 days prior to the date of hospitalization
• Post-hospitalization expenses up to 60 days after discharge from the hospital not exceeding 7% of the hospitalization expenses or Rs. 5000
• Covers several post-renal transplant complications of the insured
• Covers second transplant owing to failure of the first transplant
• Hospitalisation expenses on donor of kidney for renal transplant surgery
• Automatic restoration of basic Sum Insured by 100% (Floater Policy)
• Cost of artificial limbs due to amputation up to 10% of the Sum Insured
• Over 400 day care procedures
• No third party administrator
• Fast and hassle-free claim settlement
• Network of over 6000 hospitals across India
• 24X7 expert medical consultation
• Personal health records in electronic format
Free look period of 15 days for reviewing the policy. If the policyholder seeks cancellation, the company will refund premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and risk premium among others

• Costs of immune-suppressive drugs
• Diabetes Mellitus Type II
• Diabetic Retinopathy and Diabetic Nephropathy leading to Chronic Renal failure and Diabetic foot ulcer

• 30 days (except for accidents)
• 24 months for specified diseases
• 48 months for all pre-existing diseases except Diabetes Mellitus

• 30 days from the date of commencement
• 15 months for cardiovascular system, renal system, diseases of eye and foot ulcer

• 30 days (except for accidents)
• 24 months for specified diseases
• 48 months for all pre-existing diseases except Diabetes Mellitus