Highlight:
Title | Description |
---|---|
Room Rent Limit | 1% of base Sum Insured (excluding cumulative / enhanced cumulative bonus) or Single private Air-Conditioned room or At actuals up to Sum Insured |
ICU Daily Rent Limit | 2% of the base Sum Insured (excluding cumulative / enhanced cumulative bonus) OR up to actual ICU/ICCU expenses as provided by Hospital or At actual up to Sum Insured |
Pre-Hospitalization Expenses | Pro:30 Days | Plus / Premium: 60 days |
Post Hospitalization Expenses | Pro:60 days| Plus:90 days |Premium: 180days |
Minimum Hospitalization Period | 24 hours |
Day Care Procedure Coverage | Covered |
Additional Cover for Critical Illness | Optional cover on payment of extra premium |
Automatic Restoration of Sum Insured | 100% refill of Sum insured on exhaustion of existing Policy Sum Insured including Cumulative Bonus or Enhanced Cumulative Bonus (if applicable) during the Policy Year |
Pre-Existing Disease / Illness coverage | Covered after 48 months of continuous coverage |
Waiting Period for New Policy | 30 days |
Co-Payment | Optional 10% Co-Pay: 15% discount on premium | 20% Co-Pay: 30% discount on premium |
Free Health Checkup | Available on renewal irrespective of claims made under the Policy. |
Ambulance Expenses | Road ambulance is covered. Air ambulance is covered |
Non-Allopathic Treatments | Coveres Medical Expenses up to the Sum Insured as specified in the Policy Schedule, as listed under A.1 on Your Hospitalization in Hospital or AYUSH Hospital or AYUSH Day Care Centre |
Daily Hospitalization Allowance | Optional cover on payment of extra premium (From Rs 500/ day max 5 days, up to Rs 5000/ day max 45 days |
Donor Expenses | Expenses covered towards organ donor’s Hospitalization for harvesting of the donated organ where an Insured Person is the recipient, provided that; |
Nursing Allowance | Nursing Expenses as provided by the Hospital |
No Claim Bonus | Cumulative Bonus of 15 of SI if there was no claim during previous policy year. Cumulative bonus will be reduced at the rate of 15% in the event of claim. | Enhanced CB On payment of extra premium CB will stand modified by 25% or 50% max up to 200% |