What does it do?
This policy covers inpatient hospitalisation along with pre and post hospitalisation expenses. It has a 2-year tenure and the premium can be paid in two instalments. First instalment has to be paid at the time of purchasing policy and second one after completing one year . This policy is special as it covers HIV positive patients provided minimum CD4 count at time of entry is 350, for treatment of illnesses other than HIV/ AIDS. Non-allopathic treatment and ambulance charges are also covered.
Pros
It covers HIV patients as well. Pre-existing diseases except for those specifically stated in policy document will be covered after 11 months, a waiting period relatively shorter than other policies.
It also covers non-allopathic treatment. This policy can be bought online.
Premium paid under the policy will be eligible for tax benefit under Section 80D.
Cons
The policy ceases to cover at 70 years of age.
Pre-existing disease are covered up to sub-limits.
It offers a sum insured of up to Rs 3 lakh only.
