Policy Type
This policy can be availed either on an Individual or Floater basis.
Entry Age
Any person aged between 18 and 65 years can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years.
In-Patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
Pre-Hospitalisation
Pre-hospitalisation medical expenses incurred up to 60 days before the date of admission to the hospital are covered.
Post-Hospitalisation
Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered.
Room Rent
There is no capping on room rent (Private Single A/C room), Boarding and Nursing expenses under this policy.
Road Ambulance
The policy covers ambulance charges for admission to the hospital, shifting from one hospital to another hospital for better facilities and from hospital to the residence.
Air Ambulance
Air ambulance expenses are also covered up to Rs. 2,50,000/- per hospitalisation, to the maximum of Rs. 5,00,000/- per policy period.
Mid-Term Inclusion
The newly married spouse and newborn baby can be included in the policy by paying an additional premium. The waiting periods will be applicable from the date of inclusion of new joiners.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Modern Treatment
Modern treatment expenses are payable to the extent of the limits mentioned in the policy clause.
Hospital Cash
A cash benefit for each completed day in the hospital is provided up to the limits mentioned in the policy clause for a maximum of 7 days per hospitalisation and 120 days per policy period.
Domiciliary Hospitalization
Expenses incurred for domiciliary hospitalization, including AYUSH, which is taken for a period of more than three days on the advice of a Medical Practitioner are covered.
Delivery Expenses
Delivery expenses including the Caesarean section (both pre-natal and post-natal) are covered up to the specified limits subject to the maximum of two deliveries.
New Born Cover
The hospitalisation expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured.
Vaccination Expenses
Vaccination expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured.
Waiting Period
- For Pre-Existing Diseases – 36 months
- For Specific Diseases/Procedures – 24 months
- Initial Waiting Period – 30 days (Except for Accidents)
Pre-Acceptance Medical Screening
Only for Buyback PED (Optional Cover).
Modern Treatments
Coverage for Modern Treatments please click here.
Premium Illustration
Benefit/Premium illustration for Individual and Floater basis please click here.
Personal Accident Cover
Dependent Children and persons above 70 years of age can be covered under Accidental Death and Permanent Total Disablement up to the sum insured of Rs.10,00,000.
Free Look Period
At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :
If the Insured has not made any claim during the free look period, the Insured shall be entitled to –
- A refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges or
- where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover or
- where only a part of the insurance coverage has commenced , such proportionate premium commensurate with the insurance coverage during such period. Free look period shall not be applicable at the time of renewal
Note: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.