| In-patient Treatment |
| Covers hospitalisation expenses due to an disease/illness/injury |
Covers hospitalisation expenses due to an disease/illness/injury |
Covers hospitalisation expenses due to an disease/illness/injury |
Covered up to sum insured |
Covered |
Covered |
| Room Rent |
| Shared Accommodation / 10% co pay for higher Room category |
Shared Accommodation (with 10% co-pay)/ Single Private A/c Room |
NIL Room Rent restrictions |
Covered |
Covered |
Up to 2% of the sum insured subject to maximum of Rs.5,000 per day |
| ICU Charges |
| Covered |
Covered |
Covered |
Covered |
Covered |
Up to 5% of the sum insured subject to maximum of Rs.10,000 per day |
| Pre-hospitalization |
| 30 days before the date of admission to the hospital |
60 days before the date of admission to the hospital |
60 days before the date of admission to the hospital |
Covered up to 60 Days |
Covered up to 60 Days |
30 days before the date of admission to the hospital |
| Post-hospitalization |
| 60 days after discharge from the hospital |
90 days after discharge from the hospital |
90 days after discharge from the hospital |
Covered up to 90 Days |
Covered up to 180 Days |
60 days after discharge from the hospital |
| Day Care Procedures |
| 540+ listed Day Care Treatment covered |
540+ listed Day Care Treatment covered |
540+ listed Day Care Treatment covered |
All day care treatments covered |
All day care treatments covered |
142 day care expenses covered |
| Domiciliary Treatment |
| Covered up to sum insured |
Covered up to sum insured |
Covered up to sum insured |
Covered |
Covered upto sum insured |
Not Covered |
| Emergency Ambulance |
| Up to Rs.1,000 per hospitalisation |
Up to Rs.3,000 per hospitalisation |
Up to Rs.5,000 per hospitalisation |
Up to Rs.2,000 per hospitalisation |
Up to Rs.2,000 per hospitalisation |
Up to Rs.2,000 per hospitalisation |
| Dental Treatment |
| Not covered |
Covers expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/ injury/illness |
10,000 (OPD Dental) |
Individual - Standard & Exclusive: Not Covered
Platinum (4 lakhs to 10 lakhs): Up to 1% of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.7,500
Family - Standard & Exclusive: Not Covered
Platinum (4 to 10 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.10,000
(waiting period: 3 years) |
Not Covered |
Dental treatment, necessitated due to disease or injury |
| Bariatric Surgery |
| Not Covered |
Covered |
Covered |
Not Covered |
Not Covered |
Not Covered |
| Ayush Benefit |
| Covered up to Sum Isured |
Covered up to Sum Insured |
Covered up to Sum Insured |
Standard: Up to Rs.20,000
Exclusive & Platinum (3 to 10 Lakhs): Up to Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.50,000 |
Not Covered |
Covered |
| Maternity Benefits |
| Not Covered |
Not Covered |
Up to Rs.50,000 (Rs.60,000 in case of girl child) per policy
(Waiting period 4 years) |
Standard: Not Covered
Exclusive & Platinum (3 to 10 Lakhs): Normal Delivery Rs.15,000, Caesarean Delivery Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Normal Delivery Rs.30,000, Caesarean Delivery Rs.50,000
(Waiting Period: 4 Years) |
Not Covered |
Not Covered |
| New Born baby cover |
| Not Covered |
Not Covered |
If a claim is admitted under the maternity benefit, then the company covers for medical expenses incurred on the treatment of new born baby up to Rs.10,000 for complications related to delivery |
Standard: Not Covered
Exclusive & Platinum: Additional Benefit on payment of additional premium |
Not Covered |
Not Covered |
| Vaccination of the new born baby |
| Not Covered |
Not Covered |
Up to Rs.10,000 (Rs.15,000 in case of girl child) up to one year after the birth of the child |
Not Covered |
Not Covered |
Not Covered |
| Organ Donor Expenses |
| Covered up to sum insured |
Covered up to sum insured |
Covered up to sum insured |
Covered |
Covered up to sum insured |
Not Covered |
| Vaccination (In case of post bite treatment) |
| Not Covered |
Covered |
Covered |
Not Covered |
Not Covered |
Not Covered |
| Health Check-up |
| Up to 1% of previous sum insured subject to a maximum of Rs.10,000 per policy |
Up to 1% of previous sum insured per policy |
Up to 1% of sum insured subject to a maximum of Rs.10,000 per policy |
Standard: Every 4 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Exclusive: Every 3 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Platinum: Every 2 years 1% of sum insured, up to Rs.5,000, irrespective of claim |
Individual - 3 Lakhs: Not Covered
5 Lakhs: Up to Rs.1,500
10 Lakhs: Up to Rs.2,000
15 Lakhs: Up to Rs.4,000
20 to 50 Lakhs: Up to Rs.5,000
Family - 3 Lakhs: Not covered
5 Lakhs: Up to Rs.2,500
10 Lakhs: Up to Rs.5,000
15 Lakhs: Up to Rs.8,000
20 to 50 Lakhs : Up to Rs.10,000 |
Covered |
| Hospital daily allowance |
| Not covered |
If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000 per day |
If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000 per day |
Standard: Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (3 to 5 Lakhs): Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.800 per day, maximum Rs.4,800
Exclusive & Platinum (15 to 50 Lakhs): Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation) |
3 to 15 Lakhs: Rs.800 per day, maximum Rs.4,800
20 to 50 Lakhs: Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation) |
Not Covered |
| Co-pay |
| No co-pay |
No co-pay |
No co-pay |
NIL Co-pay under this plan |
NIL Co-pay under this plan |
5% Co-pay applicable on all claims |
| Pre-existing diseases coverage |
| Pre-existing diseases covered after 4 years of continuous coverage |
Pre-existing diseases covered after 3 years of continuous coverage |
Pre-existing diseases covered after 2 years of continuous coverage |
Covered after a waiting period of 3 years |
Covered after a waiting period of 3 years |
Covered after a waiting period of 4 years |
| Restore Benefit |
| 100% of base sum insured for you and your family members |
100% of base sum insured for you and your family members |
100% of base sum insured for you and your family members |
NIL Restoration Benefit under this plan |
Up to 100% of Base Sum Insured per year |
NIL Restoration benefit |
| General waiting period |
| 30 days |
30 days |
30 days |
30 days |
30 days |
30 days |
| Renewal Benefit / Cumulative Bonus |
| 10% on base sum insured for every claim free year and up to 100% |
50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim |
50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim |
10% on base sum insured for every claim free year and up to 100% |
50% for every claim free year up to 100% of basic sum insured |
5% for every claim free year up to 50% of sum insured |
| Emergency Air Ambulance |
| Not covered |
Not covered |
covered |
Standard: Not Covered
Exclusive & Platinum (3 to 10 lakhs): Not Covered
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.2.5 lakhs per hopsitalisation |
3 to 5 Lakhs: Not Covered
10 to 50 Lakhs: Covered up to Rs.2.5 lakhs per hospitalization and maximum up to sum insured in an year |
Not Covered |
| Available sum insured options |
| Rs.2 to 5 Lakhs |
Rs.3 to 20 Lakhs |
Rs.5 to 50 Lakhs |
Individual - Standard Plan: Rs.1 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Family - Standard Plan: Rs.2 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs |
Individual: Rs.50,000 to 10 Lakhs
Floater: Rs.2 to 10 Lakhs |
Rs.1 to 5 Lakhs |
| Policy can be purchased for |
| 1 /2/3 years |
1 /2/3 years |
1 /2/3 years |
1/2 years |
1/2 years |
1 year |
| Eligibility criteria |
| 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy |
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy |
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy |
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy |
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy |
Adults from 18 to 65 years (dependents 91 days to 17 years) |
| Renewability |
| Renewal for whole life |
Renewal for whole life |
Renewal for whole life |
Renewal for whole life |
Renewal for whole life |
Renewal for whole life |
| Daily Cash for Accompanying an Insured Child |
| Not covered |
If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours |
If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours |
Standard: Not Covered
Exclusive & Platinum (3 to 5 Lakhs): Rs.300 per day, maximum Rs.9,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.500 per day, maximum Rs.15,000
Exclusive & Platinum (15 to 50 Lakhs): Rs.800 per day, maximum Rs.24,000 |
Not Covered |
Not Covered |
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| Portablity(At the time of renewal) |
| Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Tax Benefits Limit |
| Income tax benefit under section 80D |
Income tax benefit under section 80D |
Income tax benefit under section 80D |
Income tax benefit under section 80D |
Income tax benefit under section 80D |
Income tax benefit under section 80D |
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Individual Health Insurance
Family Floater Health Insurance
Top Up Plans
Benefit Plans under Health Insurance
Accident Plans under Health Insurance
Health Insurance for Maternity and Pregnancy