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Inpatient Care
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Covers medical expenses incurred during Hospitalization due to an illness or accident for period more than 24 hours.
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Covered
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Special Treatment
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Covers for the medical expenses incurred during the Policy Year on Inpatient Treatment or Daycare Treatment or Domiciliary Treatment of listed Special Treatments.
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"Sum Insured (in Rs) <10 lakhs-Special Treatment limits (in Rs) 50% of S.I Sum Insured (in Rs) >=10 lakhs-Special Treatment limits (in Rs) 100% of S.I"
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Day Care Procedures
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Medical expenses incurred for Day Care Treatment which is surgical procedure, chemotherapy or radiotherapy or hemodialysis taken by an Insured person during the Policy Period at a Hospital or Day Care Centre.
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Within Sum Insured
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Domiciliary Hospitalisation
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Medical expenses for medical treatment at home for a period exceeding 3 consecutive days which would otherwise have necessitated hospitalisation.
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Within Sum Insured
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Organ Donor
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Medical expenses on harvesting the organ from the donor for organ transplantation.
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Within Sum Insured
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AYUSH Benefit
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The Medical Expenses for In-patient Treatment taken under Ayurveda, Unani, Sidha and Homeopathy
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Within Sum Insured
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Pre-Hospitalisation Medical Expenses
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Covers expenses incurred 90 days prior to the date of hospitalisation.
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Covered upto 90 days, Within Sum Insured
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Post-Hospitalisation Medical Expenses
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Covers expenses incurred up to 180 days from the date of discharge
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Covered, upto 180 days, Within Sum Insured
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Emergency Ambulance
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Actual expenses incurred per Hospitalization for utilizing ambulance service for transporting the Insured Person to the nearest Hospital with adequate facilities in case of an emergency or from one hospital to another for medically necessary treatment.
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Within Sum Insured
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Transportation Benefit
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Reasonable expenses incurred up to Rs 500 per Hospitalization for utilizing a registered radio cab operator’s services for transporting the Insured Person to and/or from the Hospital.
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Maximum upto Rs. 500 per Hospitalization(Within Sum Insured)
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Restore Benefit
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On subsequent claim, one reinstatement up to 100% of Sum Insured for unrelated illness/injury
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On subsequent claim, one restore up to 100% of Sum Insured for unrelated illness/injury
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Voluntary Co-payment
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On Opting for Voluntary Co-payment, the Insured person is eligible for a discount of 10% on premium. The Co-payment is applicable for each and every claim.
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10%, if opted
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Renewal Benefit – Stay Healthy Discount
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The Insured Person will be get upto 10% discount at the time of Renewal for carrying out an annual health check-up and sharing the results of the same with the Company.
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Upto 10% discount on renewal premium
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MoreTime^
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The policy period will be extended by one month in case of one year policy period and two months in case of two year policy period. This option is not available for three-year policy period
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Extended Policy Year of 13 months if Policy period is 1 year and Extended Policy Year of 26 months if Policy Period is 2 years
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MoreCover (in Rs.)^
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Additional Sum Insured limit for payment of further claims, in case the Sum Insured is exhausted due to claims made and paid/payable during the Policy Year.
Additional Sum Insured will be applied only once for the Insured Person/s during a Policy Year.
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"Sum Insured (in Rs)-More Cover Sum Insured(in Rs)
300000--1,00,000
500000--2,00,000
1000000--3,00,000
1500000 --5,00,000
2500000 --7,50,000
5000000 --15,00,000
10000000--30,00,000
20000000--60,00,000
30000000--90,00,000
40000000--1,20,00,000
50000000--15000000"
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MoreGlobal(in Rs.)
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Benefit covers Emergency Care on treatment of illness or conditions manifested during the Policy Period while travelling overseas.
This benefit also covers Planned In-Patient Treatment upto the S.I or Rs 50 lakhs whichever is lower.The benefit is subject to a deduction of an amount (in INR) equivalent to USD100 which shall be applicable on each and every claim.
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"upto 100% of Sum Insured, (Within Sum Insured) .
Sub-limit of Rs 50 lakhs or S.I whichever is lower for Planned In-Patient Treatment."
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Limitless Cover
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i. Consumables Cover: This benefit pays the Reasonable and Customary expenses which are listed in Annexure -A List I as Optional Items.
ii. Unlimited Restore Benefit: On subsequent claim.
Policies with Sum Insured 5 lakhs: Unlimited restore of S.I on unrelated illness/injury, sub-limit of 100% of Sum Insured for related illness/injury.
Policies with Sum Insured >=10lakhs
Unlimited restore of S.I on related or unrelated illness/injury.This benefit supersedes Basic Benefit - Restore Benefit
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Consumables Cover-Within Sum Insured
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Smart Protector
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i. Super Charger: At the end of each completed and continuous Policy Year, the Company shall provide the additional Sum Insured under the Policy.
ii. Air Ambulance: This benefit indemnifies the Insured, for the expenses incurred on availing Air Ambulance services.
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"i. Super Charger: Options:
(Option 1): 20% of S.I, maximum up to 100% of S.I
(Option 2) 33.33% of S.I, maximum up to 100% of S.I
ii. Air Ambulance:
S.I< 1crores: 7.5% of Sum Insured or Rs 5 Lakhs whichever is higher
S.I >=1crores: 10% of Sum Insured
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OPD Cover**
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OPD Cover has 2 plans:
Plan A: This benefit indemnifies the Insured for following:
a. OPD Consultations with 10 Super Specialist
b. Diagnostic Tests
c. Prescription Drugs: 35% of OPD limit.
Plan B: This benefit indemnifies the Insured for following:
a. OPD Consultations with Medical Practitioners
b. Diagnostic Tests
c. Prescription Drugs: 35% of OPD limit
d. OPD for Dental Treatment & related Diagnostic Tests& prescription drugs
e. Surgical Treatments
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"Plan A:OPD Limits:10000 to 20000 (in multiples of 5000)
Plan B :OPD Limits:25000 to 50000 (in multiples of 5000"
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Medical Equipment Cover
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The benefit provides the Reasonable and Customary expenses for procuring Durable and Small Medical Equipment or devices (listed in Policy Wordings) as medical aid, during the Policy Year.
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"a. Durable Medical Equipment: Limit: 5% of Sum Insured subject to max. of Rs 2.5 lacs.
b. Small Medical Equipment: 1% of Sum Insured subject to max. of 20000.
(Within Sum Insured)"
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Double Cover
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This benefit provides an additional 100% of Sum Insured which can be utilized on the same claim, after exhaustion of Sum Insured.
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This benefit provides additional 100% of Sum Insured for Same claim
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Home Care Treatment
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This benefit indemnifies the Insured for the medical expenses incurred towards Home Care Treatment for any of the treatments (listed in the Policy wordings) under the Policy.
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Within Sum Insured
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Change in Pre-Existing Waiting Period
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This benefit allows the Policyholder to change the Pre-Existing Waiting Period to 48 months, 24 months or 12 months.
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This benefit allows to change the Pre-Existing Waiting Period to 48 months, 24 months ,12 months
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Reduction in Specific Illness Waiting Period
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This benefit reduces the Specific Illness Waiting Period to 12 months.
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This benefit reduces the Specific Illness Waiting Period to 12 months
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Reduction in Room Rent
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This benefit gives an option to Policyholder to change the allowable Room Category
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Room Category Options: Single Private A.C Room OR Twin Sharing Room
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Discount for Removal of More Options Benefit
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This benefit gives discount in Policy Premium if one complementary More Option Benefit is not opted under the Policy.
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This benefit gives discount in Policy Premium if one complementary More Option Benefit is not opted under the Policy
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Voluntary Aggregate Deductible
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The benefit gives an option to the Policyholder to avail discount in premium by choosing (10000,25000,50000,100000) as the Voluntary annual Aggregate Deductible.
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Options for voluntary aggregate dedcutible :10000,25000,50000,100000
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