This Health Insurance policy covers the following subject to the terms and conditions:

• Eligible hospitalisation expenses as under:
  • Room rent, boarding expenses
  • Medical practitioners fees
  • Intensive care unit
  • Nursing expenses
  • Anesthesia, blood, oxygen, operation theatre expenses, surgical appliances, medicines & consumables, diagnostic expenses and x-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation
  • Physiotherapy as inpatient care and being part of the treatment.
  • Drugs, medicines and consumables consumed during hospitalization period.
  • Diagnostic procedures
  • Dressing, ordinary splints and plaster casts.
• Pre-hospitalisation expenses up to 60 days for each of the admitted hospitalisation claim under the Policy.
• Post-hospitalisation expenses up to 90 days for each of the admitted hospitalisation claim under the Policy.
• Day Care expenses cover up to 142 Day Care Procedures
• Ambulance expenses including Air Ambulance up to INR 100000.
• Alternative treatment taken in a government hospital or in any institute recognized by government and/or accredited by quality council of India/national accreditation board on health.
• Domiciliary hospitalisation.
• Maternity Expenses.
• Organ Donor Expenses.
• Health Check up reimbursement up to Rs. 5000/ insured after 4 consecutive claim free years.
• Reinstatement of Sum Insured up to 100% when sum insured is reduced due to claim.
• Cumulative Bonus at the rate of 10% of the Sum Insured for every claim free renewal which can be accumulated maximum up to 50%

Age: Minimum entry age is 3 months and maximum entry age is 65 years. There is no exit age.

Insured: Individual/ Family (For Family Insurance Policy- Family means the spouse, dependent children, parents and parents in law. For Family Floater Insurance Policy- Family means the spouse and dependent children)

Policy Term: 1/2/3 years.

Sum Insured: Minimum SI: INR.10,00,000 to Maximum SI: INR 30,00,000 in multiples of INR 1,00,000/-. Sum Insured of dependents will either be less than or equal to Proposer/ Primary Insured’s Sum Insured.

Premium: As per the age, Sum Insured and number of insured in a policy.

• Waiting Period: 30 days from first inception of the health insurance policy.
• Time bound Exclusions: Pre-existing diseases covered after first 4 years of coverage, Specified diseases or conditions covered after one year of coverage. Maternity Expenses shall be payable after coverage of 9 months from the date of inception of the Policy.
• Treatment taken outside India.
• Injury/ disease directly or indirectly caused or contributed due to nuclear weapons/materials.
• War, invasion, acts of foreign enemy, hostilities, etc.
• Epidemic disease recognized by WHO or Indian Government.
• Intentional self injury or violation of any law.
• Cosmetic or aesthetic treatments of any description, lasik treatment for refractive error. Any form of plastic surgery (unless necessary for the treatment of illness or accidental bodily injury).
• Treatment for de-addiction from drug or alcohol or other substance.
• Any condition directly or indirectly caused by or associated with human immunodeficiency virus or variant/mutant viruses and or any syndrome or condition of a similar kind commonly referred to as AIDS.
• Vaccination or inoculation except as part of post-bite treatment for animal bite.
• Treatment for any mental illness or psychiatric or psychological ailment/ condition.
• Outpatient department treatment.
• Genetic disorders and stem cell implantation/ surgery/ storage.
• Treatments in health hydro, spas, nature care clinics and the like.
• Experimental and unproven treatment.
• Disease/ illness or injury whilst performing duties as a serving member of a military or police force.