|Sum Insured (SI)||3, 4, 5, 7, 10, 15, 20, 25 Lacs|
|In-patient Hospitalisation||Hospital room up to ₹3000 or ICU up to ₹7000|
|Post Hospitalisation||90 days|
|Day-care Treatment||171 procedures, Covered up to full sum insured|
|Domiciliary Treatment||Covered up to full sum insured|
|Ambulance Cover||Up to ₹2,000 per hospitalisation event|
|Donor Expenses||Covered up to Sum Insured|
|Restoration of Sum Insured||Available once in a policy year for unrelated illnesses in addition to the SI opted|
|AYUSH Cover||Coverage for Ayurvedic, Yoga, Naturopathy, Unani, Siddha & Homeopathy up to Sum Insured|
|Value Added Covers|
|Cumulative Bonus||5% each year maximum up to 100% on non-reducing basis|
|Deductible*||1/2/3/4/5 Lacs in all combinations provided the Deductible is not higher than the SI opted|
|Cumulative Bonus Booster (any one of the 4 choices)||
|Removal of Room Rent Limit||Covered up to Single Private Room|
|Re-Assurance||Automatic extension of policy for 2 years on diagnosis of a Critical Illness or Permanent Total Disability due to Accident|
|Add-on Cover||Critial Illness Add-on cover|
A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment within 36 months prior to 1st health insurance policy issued by Us under which the insured person was covered.
Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.
The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!
A waiting period is the length of time you, the insured, will have to wait before the benefits under the health policy can be utilised.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more