| Sum Insured |
| Rs. 3, 4 Lakhs |
Rs. 3, 5, 7, 10 Lakhs |
| Policy period |
| 1 year |
1, 2, 3 years |
| Eligibility criteria |
- Entry age for adults is 18 years.
- Exit age is 65 years.
- Dependent children between 10 and 25 years
|
- Entry age for adults is 18 years.
- There is no limit on Exist age.
|
| Coverage |
- Section 1: Hospitalization Cover for Accidents and Non-cardiac ailments
- Section 2: Hospitalization Cover for Cardiac Ailments
- Section 3: Cover for Outpatient medical expenses
- Section 4: Personal Accident cover for Accidental Death
|
- Individual: Maximum up to 6 Persons
- Floater: 2 Adults (Self and Spouse)
|
| Renewal |
| Lifelong renewal |
Lifelong renewal |
| In-patient Hospitalisation |
| Room Rent, Boarding and Nursing Expenses - Maximum of 5,000 per day |
Upto Sum Insured
|
| Pre Hospitalisation Expenses incurred |
| Upto 30 days |
30 days |
| Post Hospitalisation Expenses incurred |
| Upto 60 days - Upto 7% of Hospitalisation Expenses, subject to a maximum of 5,000 |
60 days, Maximum upto 5% of Sum Insured |
| Ambulance Cover |
| Upto 750 per hospitalisation subject to a maximum of 1,500 per policy period |
- For Rs. 3, 5 Lakhs coverage - Upto 2,000
- For Rs. 7, 10 Lakhs coverage - Upto 3,000
|
| Day Care Procedures |
| All Day Care Procedures are covered |
Covered, Upto Sum Insured |
| Pre-policy Medical Check up |
| No |
No |
| Sub Limits for Treatment of Cataract |
| Expenses related to treatment of Cataract is limited to 20,000 per eye and 30,000 per policy period |
- For Rs. 3 Lakh coverage - Upto 20,000 per eye
- For Rs. 5, 7, 10 Lakhs coverage - Upto 30,000 per eye
|
| Co-pay |
| 10% Co-payment applicable for all insureds above 60 years old and making a claim under Section 1 |
- 20% Co-payment if the entry age <=70 years
- 30% Co-payment if entry age>70 years
|
| General waiting period |
Section 1
- 30 days for illness/diseases/treatments (Not applicable for accidents)
- 24 months for specified illness/diseases/treatments
- 48 months for Pre existing diseases
Section 2
- 90 days waiting period irrespective of whether it is pre existing or not.
Section 3 and Section 4
|
- Initial Waiting Period: 30 days
- Specific Waiting Period: 24 month
- Pre Existing Diseases: 24 months
|
