This is a complete health insurance policy for the family which covers medical expenses incurred by a person due to any illness or injury. There is a considerable saving in premium as the entire family is covered under one policy with single sum insured.
Title |
Description |
Ambulance Expenses |
Up to 750 per hospitalization, Max 1500 per policy year. By AIr For SI of 5 Lac and above 10% of SI |
Automatic Restoration of Sum Insured |
100% of SI, 3 times in a year |
Co-Payment |
20% on every claim for age Above 60 yrs. |
Day Care Procedure Coverage |
All procedures covered |
Donor Expenses |
10% of SI - Max.Rs. 1Lac; Not available for Donor screening and Post-Donation Complications Provided Claim for transplantation Payable |
Free Health Checkup |
Available after every claim free year per policy |
ICU Daily Rent Limit |
For SI 1,00,000 & 2,00,000 :Up to 2,000/- per day For SI 3,00,000 & 4,00,000: Up to 5,000/- per day, For SI 5,00,000 - 25,00,000: Single Standard A/C Room |
Medical Screening |
Above age 50 years |
Minimum Hospitalization Period |
24 Hrs |
New Born Baby Cover |
Up to 10% sum insured, Max.Rs.50,000 |
No Claim Bonus |
25% of SI for first year and later 10% of SI - every claim free year - Max Accumulation 100% of SI |
Non-Allopathic Treatments |
Covered |
Nursing Allowance |
Covered |
Post Hospitalization Expenses |
90 days |
Pre-Existing Disease / Illness coverage |
After 48 months |
Pre-Hospitalization Expenses |
60 days |
Room Rent Limit |
For SI 1,00,000 & 2,00,000 :Up to 2,000/- per day For SI 3,00,000 & 4,00,000: Up to 5,000/- per day, For SI 5,00,000 - 25,00,000: Single Standard A/C Room |
Waiting Period for New Policy |
30 days |