About the Policy
This plan provides benefits of the basic plan with the option to include add-ons which are relevant for your needs.
| Schedule of benefits | Sum Insured Limit (1-2 Lacs) | Sum Insured Limit (3-50 Lacs) |
|---|---|---|
| In-patient hospitalisation |  | |
| Room rent (per day) | 1% of sum insured | 1% of sum insured |
| ICU charges (per day) | 2% of sum insured | 2% of sum insured |
| Doctor fees | 25% of sum insured* | 25% of sum insured* |
| Pre hospitalisation | 30 Days | 60 Days |
| Post hospitalisation | 60 Days | 90 Days |
| Ambulance charges (#) | | |
| Daily allowance | 500 per day |  |
| Organ donor benefit | | 20% of sum insured |
| Recharge/replenish benefit | | |
| Medical checkup | | |
|
Non Medical expenses (-) (on cashless facility) | | |
| Sum insured increase | 10% on cashless | 10% on cashless |
| Domiciliary hospitalisation (@) | | |
| No claim bonus | | |
| Sub limit waiver• | | Optional |
| Co-pay - 20% | Optional | Optional |
| 2 Year Policy availability | | |
"Optional" means available on payment of extra premium as per slab *In 20 Lakhs and above sum insured, the base coverage does not have sublimits.
Note: Family floater starts at 2 Lakhs sum insured and above
Non medical expenses (-)
| Sum Insured | Maximum amount per day |
|---|---|
| 3 to 6 Lakhs | 1,000 |
| 7 to 9 Lakhs | 2,000 |
| 10 to 15 Lakhs | 3,000 |
| 20 to 50 Lakhs | 5,000 |
Ambulance charges (#)
| Sum Insured | Maximum amount per hospitalisation |
|---|---|
| 1 to 2 Lakhs | 1,000 |
| 3 to 9 Lakhs | 1,500 |
| 10 to 50 Lakhs | 2,500 |
| - | - |
Domiciliary hospitalisation (@)
| Sum Insured | Maximum amount per claim |
|---|---|
| 1 to 2 Lakhs | 15,000 |
| 3 to 9 Lakhs | 25,000 |
| 10 to 20 Lakhs | 50,000 |
| 25 to 50 Lakhs | 1,50,000 |
Important Details
Features
Add-on covers you can choose
- Sub-limit waiver - Option to waive the sub-limits imposed on room rent and/or doctor charges with an additional premium
- Co-pay arrangement - Option for 20% co-payment
Special features you can enjoy
- Choice of third party administrator
- Cashless facility available at more than 5,000+ hospitals across the country
- Online facility for policy issuance and claim registration
Exclusions
- Pre-existing diseases (Code- Excl01)
- First thirty days waiting period (Code- Excl03)
- Investigation & evaluation (Code- Excl04)
- Rest cure, rehabilitation and respite care (Code- Excl05)
- Obesity/weight control (Code- Excl06)
- Cosmetic or plastic Surgery (Code- Excl08)
Refer to the policy wordings for further details.
