|Plan Options||Individual or Family Floater Policies available|
|Cashless||6900+ Network Hospital- Upto Sum Insured|
|Day Care Treatment||All Treatments covered|
|ReAssure benefit||Unlimited Reinstatements of Sum Insured for the same & different illness / ailments|
|Premium NO Co- PAY||Standard across the country - NO Zone Wise Capping|
|Co – Pay||NIL|
|Room Rent Capping||Single Private Room – no Room Rent capping at all Health Check Up Annual Health Check-up is available from Day 1 of Policy and limit in 1 Cr plan is Rs 5000 for Individual and Rs 10,000 for Family Floater|
|Air Ambulance Cover||Covered upto the Sum Insured|
|No Claim Bonus||20% & max 200%- Rider- No Reduce|
|Booster Benefit||50% Additional Sum Insured in case of no claim, max up to 100% - this means in two claim free years the Sum Insured gets doubled|
|Live healthy benefit||Simply walk & get up to 30% discount on renewal premium|
|Safeguard||Truly cashless feature with coverage even for non-payables like PPE kit, gloves and more|
|Shared Accommodation Benefit||Cash benefit at ₹1,000 per day upto ₹6,000|
|Claims Processing Time||30 minutes for Cashless Claims, subject to all formalities being completed|
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.
A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, have to review the entire health insurance plan. If you disagree with any of the terms or conditions mentioned in the policy, you have the option of returning the policy by stating the reasons for the objection. Following this, you are entitled to a refund of the premium paid, provided no claim has been made under this mediclaim insurance policy (subject only to a deduction of the expenses incurred by the company on medical examination and the stamp duty charges). Please note that this facility is not applicable on renewal and portability cases.
A grace period refers to a period of 30 days immediately following the premium due date of the medical insurance policy. During this period you can pay the premium of your expired policy and avail continuity benefits such as waiting periods and coverage of pre-existing disease.
Hospital cash is a daily benefit which provides the insured person with a lump sum amount in case of hospitalisation. You can use the money for meeting additional expenses or for compensating the loss of income during the period of hospitalisation.
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