Eligibility

Minimum: 18 years

Maximum: 70 years

Children who are dependent on their parents have to be a minimum age of 91 days to be eligible for this policy, and if this is taken as a floater plan, the minimum age can be 1 day

Basis

Individual or Family floater basis

Renewability

This policy can be renewed for life

Policy term

The policy offers a term of 1 year or 3 years.

Cover offered

This policy will cover:

• Hospitalization expenses related to charges for the room, nursing expenses, doctor‘s fees, anaesthesia, blood, oxygen, intensive care unit charges, medicines, drugs, operation theatre charges etc. for a minimum of 24 hrs
• If hospitalization is less than 24 hrs, day care treatment is also taken care of under this policy
• Domiciliary hospitalization is also covered under the policy
• Pre hospitalization wherein any expenses arising 30 day prior to you being hospitalised will be covered
• Follow up visits, medication, other tests required post hospitalization will also be covered
• Organ donation, wherein expenses related to you and the donor are covered
• The cost of the ambulance service will also be covered up to a specific amount
• In case of accidents, any dental related treatment is covered under this policy
• Ayurveda, Unani, Sidha or Homeopathy is also covered under this policy
• If dependants/ children need to undergo hospitalization for more than 72 hours and are below the age of 12 years, their medical care will also be covered by the policy
• Inoculation and immunizations vaccines are included in the policy
• Diagnostic tests, Outpatient Dental Treatment, requirement of spectacles, contact lenses, hearing aid etc are covered
• Pregnancy and childbirth expenses, with prenatal and postnatal expenses also being covered

Plan type

This policy offers 3 plans that you can choose from:

• Basic - sum insured of Rs 1 Lakh or Rs 2 Lakhs for individual and family floater
• Essential - sum insured of Rs 3 Lakhs, Rs 4 Lakhs or Rs. 5 Lakhs for individuals and family floater
• Privilege - sum insured of Rs 6 Lakhs, Rs 7 Lakhs, Rs. 8 Lakhs, Rs. 9 Lakhs or Rs. 10 Lakhs for individuals and family floater

Benefits

The benefits under this policy are:

• The free look period for this policy is 15 days from the day you receive the policy documents
• Premiums paid towards the policy offer tax benefits under Section 80D of the Income Tax Act, 1961.
• This policy also restores benefit, wherein if the sum insured is exhausted then the sum insured will be reinstated
• Cashless hospitalization in any of the network hospitals
• Cumulative bonus of a minimum of 10% and a maximum of 50% will be offered as no claim bonus
• This policy also offers a grace period of 30 days for the payment of the premium, from the date on which it was due