About the Policy
This plan provides all the benefits of basic plan at a discount with the option of 20% co pay.
| 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 | | |
| Co-pay - 20% | Built-In | Built-In |
| 2 Year Policy availability | | |
Note: Family floater starts at 2 Lakhs sum insured and above
*In 20 Lakhs and above sum insured, the base coverage does not have sublimits.
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
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.
