Highlight:
Title | Description |
---|---|
Room Rent Limit | For SI< 4 Lakh Room charges beyond 1% of Sum Insured per day. For SI>= 5 Lakh 1% of Sum Insured or Single Occupancy Standard AirConditioned Room Charges whichever is higher |
ICU Daily Rent Limit | For SI< 4 Lakh Room charges beyond ICU/ICCU charges beyond 2% of Sum Insured per day. For SI>= 5 Lakh 1% of Sum Insured or Single Occupancy Standard AirConditioned Room Charges whichever is higher |
Pre-Hospitalization Expenses | 30 Days |
Post Hospitalization Expenses | 60 Days |
Minimum Hospitalization Period | 24 Hours |
Day Care Procedure Coverage | Covered |
Automatic Restoration of Sum Insured | For SI Rs.3 Lac & Above (Optional) |
Pre-Existing Disease / Illness coverage | Pre-existing disease(s) covered after 48 months of continuous coverage. |
Waiting Period for New Policy | 30 days |
Co-Payment | 10% For persons with age of entry above 60 years |
Medical Screening | Pre–acceptance medical check–up may be required at the Company’s discretion for all the members |
Free Health Checkup | 1% of Last 3 Years’ average SI Max Rs 5000/Person for Individual Policy and Rs 10000/Policy for Floater policy for block of every three claim free years. |
Ambulance Expenses | 0.5% of the Sum Insured subject to a maximum of Rs. 2500 per event and 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period |
Non-Allopathic Treatments | 0.5% of the Sum Insured subject to a maximum of Rs. 2500 per event and 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period |
New Born Baby Cover | New born Baby shall be covered from day one upto the age of 90 days |
Daily Hospitalization Allowance | Optional |
Donor Expenses | Covered when insured person needs Donation and A lump sum payment of 10% of Sum Insured when Insured person is donor |
No Claim Discount | 5% on renewal premium and for every subsequent claim free year subject to a |