| Scope of Cover | |
| Cashless Facility | available at empanelled hospitals |
| Reimbursement Facility | available if treatment taken in non network hospital |
| Accidental Death (AD) | Covered; pays Sum Insured |
| Permanent Total Disablement [PTD] | Covered |
| Permanent Partial Disablement [PPD] | Covered |
| Temporary Total Disablement | weekly benefit of 1% of the Sum Insured subject to a maximum of Rs 5000 per week upto 100 weeks |
| Family Transportation to hospital (NA for group policies) | Rs 1000 |
| Transportation of Mortal Remains | Rs 3000 |
| Education Fund (NA for group policies) | Rs 5000 for one child and Rs 10000 for two children(maximum 2 children) |
| Medical Expenses | Covered on payment of additional premium |
| Exclusions and Waiting Period | |
| Pre-existing condition | Not coveerd |
| Physically or mentally challenged people | Not covered |
| General Exclusions | Accident as a result of drunkenness or addictionNuclear, Chemical and biological terrorismSuicide |
| Annual Premium | |||
| Monthly Income (R) | Class I | Class II | Class III |
| Sum Insured Rs 1 lakh | |||
| 1334-1666 | 45 | 60 | 80 |
| 1667-4166 | 80 | 130 | 175 |
| 4167 and above | 125 | 175 | 200 |
| Sum Insured Rs 2 lakh | |||
| 2667-3333 | 90 | 120 | 160 |
| 3334-8333 | 160 | 260 | 350 |
| 8334 and above | 250 | 350 | 400 |
| Sum Insured Rs 3 lakh | |||
| 4000-4999 | 135 | 180 | 240 |
| 5000-12499 | 240 | 390 | 525 |
| 13000 and above | 375 | 525 | 600 |
| Sum Insured Rs 4 lakh | |||
| 5334-6666 | 180 | 240 | 320 |
| 6667-16666 | 320 | 520 | 700 |
| 16667 and above | 500 | 700 | 800 |
| Sum Insured Rs 5 lakh | |||
| 6667-8333 | 225 | 300 | 400 |
| 8334-20833 | 400 | 650 | 875 |
| 20834 and above | 625 | 875 | 1000 |
| Premiums depend upon nature of occupation and level of risk involved. Occupation class I is low risk category, Occupation class II is medium risk category and Occupation class III is high risk category. Premiums are exclusive of service tax. | |||
