Like any other health cover it provides protection from unforeseen hospitalisation expenses. It also covers domiciliary hospitalisation and provides hospital cash subject to certain limitations.
It offers lifelong renewal.
Premium paid under this policy is applicable for tax benefit under Section 80D.
Automatic recharge of Sum Insured.
Sub limits in certain variants on room rent, nursing charges and ICU/ICCU charges.
| Scope of Cover | ||
| Plans | Plan 1 | Plan 2 |
| Sum Insured | 2 lakh/3 lakh/4 lakh/5 lakh | 2 lakh/3 lakh/4 lakh/5 lakh/7 lakh/10 lakh |
| Cashless facility | available at network hospitals | |
| Reimbursement facility | available if treatment taken in non-network hospitals | |
| Pre and post hospitalisation expenses | Up to 7.5% of payable hospitalisation expenses if the Sum Insured is below 5 lakh. Up to 10% of payable hospitalisation expenses if the Sum Insured is equal to or more than Rs 5 lakh. | |
| Automatic recharge of Sum Insured | 100%, if the Sum Insured is Rs 3 lakh and above | |
| Inpatient treatment | covered | |
| Day care procedures | Covered | |
| Dialysis Cover | Up to Rs. 1,000 per sitting; up to 24 months from date of occurrence of event | |
| Domiciliary Hospitalisation | up to 10% of Sum Insured covered after 3 days | |
| Room rent and nursing charges | Twin Sharing Room subject to a maximum of 1% of Sum Insured per day; Twin sharing room without limit if the Sum Insured is 5 lakh | Twin Sharing Room subject to a maximum of 1% of Sum Insured per day; Twin sharing room without limit if the Sum Insured is 5 lakh; Single private room if the Sum Insured is 7/10 lakh |
| ICU/ICCU charges | Up to 2% of Sum Insured per day if the Sum Insured is below 5 lakh; No limit if the Sum Insured is 5 lakh and above | Up to 2% of Sum Insured per day if the Sum Insured is below 5 lakh; No limit if the Sum Insured is 5 lakh and above |
| Emergency ambulance | Up to Rs 1,000 per hospitalisation | |
| Companion Benefit(If Hospitalization exceeds 10 days) | Rs 10,000 if the Sum Insured is below Rs 5 lakh; Rs 15,000 if the Sum Insured is 5 lakh and above | |
| Consumable Allowance(Max. 7 days per Hospitalization covered after 3 days) | Rs 500 per day for Sum Insured of Rs 2 lakh; Rs 750 per day for Sum Insured of Rs 3 and 4 lakh; Rs 1000 per day if Sum Insured is Rs 5 lakh and above | |
| Exclusions and Waiting period | |
| Pre-existing diseases | covered after 24 months of continuous policy renewal |
| No claim period | 30 days from policy start date |
| Waiting period | 24 months for specified diseases like non-infective arthritis, joint replacement, etc. |
| Other exclusions | Any OPD treatment, Congenital disease, expenses attributable to self-inflicted injury, etc. |
| Annual Premium (including taxes) | ||||
| Age/Sum Insured | 3 lakh | 5 lakh | 7 lakh | 10 lakh |
| 1 Adult | ||||
| 46-50 | 9935 | 12168 | 14735 | 16341 |
| 51-55 | 11380 | 14267 | 17318 | 19451 |
| 56-60 | 14244 | 18423 | 23239 | 26426 |
| 61-65 | 19827 | 29939 | 31102 | 36846 |
| 66-70 | 31180 | 38350 | 51286 | 62140 |
| 71-75 | 40063 | 55041 | 67597 | 80750 |
| 76-80 | 50125 | 69753 | 84683 | 101899 |
| >80 | 67750 | 95007 | 119023 | 145309 |
| 1 Adult + 1 Child | ||||
| 46-50 | 12121 | 15123 | 17637 | 20062 |
| 51-55 | 13568 | 17222 | 20220 | 23172 |
| 56-60 | 16432 | 21378 | 26143 | 30147 |
| 61-65 | 22015 | 26895 | 33592 | 40154 |
| 66-70 | 33368 | 41306 | 53776 | 65448 |
| 71-75 | 42086 | 57776 | 69759 | 83668 |
| 76-80 | 52149 | 72486 | 86844 | 104817 |
| >80 | 69772 | 97741 | 121185 | 148227 |
| 1 Adult + 2 children | ||||
| 46-50 | 14309 | 18080 | 23490 | 26733 |
| 51-55 | 15754 | 20178 | 26074 | 29843 |
| 56-60 | 18618 | 24335 | 31996 | 36818 |
| 61-65 | 24201 | 29851 | 39858 | 47238 |
| 66-70 | 35554 | 44262 | 60043 | 72532 |
| 71-75 | 44109 | 60510 | 75697 | 90363 |
| 76-80 | 54172 | 75220 | 92782 | 111512 |
| >80 | 71796 | 100475 | 127123 | 154921 |
| 2 Adults + 1 Child | ||||
| 46-50 | 17351 | 21502 | 26715 | 30064 |
| 51-55 | 20634 | 26047 | 31012 | 35179 |
| 56-60 | 24737 | 32081 | 39314 | 45016 |
| 61-65 | 32905 | 40858 | 51562 | 60838 |
| 66-70 | 49390 | 61036 | 79262 | 95913 |
| 71-75 | 64533 | 86857 | 106650 | 128166 |
| 76-80 | 81948 | 114058 | 136711 | 164776 |
| >80 | 108125 | 151825 | 185954 | 226915 |
| 2 Adults + 2 Children | ||||
| 46-50 | 19538 | 24459 | 32568 | 36735 |
| 51-55 | 22820 | 29003 | 36866 | 41851 |
| 56-60 | 26923 | 35038 | 45167 | 51688 |
| 61-65 | 35091 | 43813 | 57828 | 67922 |
| 66-70 | 51577 | 63991 | 85529 | 102997 |
| 71-75 | 66557 | 89592 | 112587 | 134961 |
| 76-80 | 83971 | 116793 | 142649 | 171472 |
| >80 | 110148 | 154559 | 191892 | 233609 |
| This policy can cover upto 6 family members in a single policy including the policyholder, his spouse, parents and children. | ||||
| Premiums for family size other than those mentioned above can be calculated using premium calculator on company's website. | ||||
