- Single policy, wider coverage for whole family at an affordable premium.
- Get extra sum insured (auto recharge) at no extra cost, up to 30% of sum insured.
- Health Checkup costs up to Rs.5,000/- for every block of 3 years of policy coverage.
- Automatic restoration of entire Sum insured by 100%.
- New-born baby cover from 16th day.
- Donor expenses for organ transplantation.
- Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
- Cover for over 400 day care procedures.
- Recharge Benefit:
This benefit provides additional indemnity upto specified limits, when the sum insured under the policy is exhausted / exceeded. This can be utilized for any claim payable under the policy.
More than 400 Day Care procedures
Expenses incurred towards cost of Health Check up
Coverage for New born Baby
Coverage for Domiciliary hospitalization treatments
Donor expenses for organ transplantation
Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum insured shall not be reduced.
Automatic Restoration of Sum Insured:
Immediately upon exhaustion of the limit of coverage during the policy period, there shall be an automatic restoration of the basic sum insured by 100% where the sum insured is Rs.3,00,000/- and above.
- Hospitalisation Cover Protects the insured for in - patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges.
- Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
- Ambulance charges for emergency transportation upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period.
- Pre Hospitalisation expenses upto 60 days prior to admission in the hospital.
- Post Hospitalisation expenses upto 90 days after discharge from the hospital.
- Any person aged between 18 years and 65 years, residing in India, can take this insurance.
- Beyond 65 years, It can be renewed for life time.
- Lifelong renewal. This policy is on floater basis.
- Child from 16th day of age can be covered as part of the family.
- The entire sum insured floats among all covered persons.
- Family : Proposer, spouse, dependent children from 16 days up to 25 years (those who are economically dependent on their parents)