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Highlight:
| Title | Description |
|---|---|
| Room Rent Limit | Plan A: 1% of SI per day subject to maximum of INR 5,000 per day | Plan B :2% of SI per day subject to maximum of INR 10,000 per day |
| ICU Daily Rent Limit | Plan A: 2% of SI per day subject to maximum of INR 10,000 per day | Plan B: 4% of SI per day subject to maximum of INR 20,000 per day |
| Pre-Hospitalization Expenses | 30 days |
| Post Hospitalization Expenses | 60 days |
| Minimum Hospitalization Period | 24 hours |
| Day Care Procedure Coverage | 140 Day Care Procedures covered |
| Additional Cover for Critical Illness | Benefit amount per individual- INR 1,00,000/ 2,00,000/ 3,00,000/ 4,00,000/ 5,00,000/ 6,00,000/ 7,00,000/8,00,000/ 9,00,000/ 10,00,000 |
| Automatic Restoration of Sum Insured | Plan A: Not Available | Plan B: Once during the Policy Period for road Traffic Accident |
| Pre-Existing Disease / Illness coverage | Covered After 24 Months of continuous coverage |
| Waiting Period for New Policy | Covered After 24 Months of continuous coverage |
| Co-Payment | Insured opting for cover for pre-existing diabetes or hypertension 10% | Insured opting for cover for pre-existing diabetes And hypertension 25% |
| Free Health Checkup | Plan A: Every 2 claim free years up to 2 % of the average SI subject to maximum INR 4000/Insured (individual basis) or per family (floater basis | Plan B: Every 6 claim free monthsup to INR 1000/Insured |
| Ambulance Expenses | Up to INR 2,500 per Illness |
| Non-Allopathic Treatments | Covers Allopathy, Ayurveda, Homeopathy treatments up to Sum Insured |
| Daily Hospitalization Allowance | Plan A: Not Available| Plan B: INR 500/- per day for 5 days (in excess 3 days) |
| Donor Expenses | Coveres Organ Donor’s Medical Expenses Medical expenses, Pre & Post-Hospitalisation expenses up to Sum Insured |
| Attendant Allowance | Plan A: Not available |Plan B: Aya, Doctor's home visit charges and nursing care during Post-Hospitalisation (per individual) INR 500/- per day for 7 days |
| No Claim Bonus | Increase by 5% of SI in respect of each claim free year of insurance. Decrease by 5% of SI for each year with claim reported |
