Key Highlights

Cashless Treatment

Cashless Hospitalization in 4900+ network hospitals.

Hospital Cash

I.C.U Room Charges up to Rs. 6000 per day

Expenses before and after Hospitalization

Cover all claim related expenses up to 30 days before and 60 days after Hospitalization

Key Product Benefits to Check

Cashless treatment at 4900+ network hospitals

You don’t have to pay even a single paisa from your own pocket in more than 4000+ network hospitals, for all the treatments/expenses that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Rs.3,00,000

Room Rent

You can avail single private room and the Insurance company shall pay maximum up to Rs.3000 per day against room rent.

ICU Room Charges

Insurance company shall pay up to Rs.6000 per day for ICU room charges.

Expenses before and after Hospitalization

You will get covered for all your claim related medical expenses 30 days before your hospitalization and up to 60 days after your discharge. This list may include follow-up visits, medication, diagnosis… etc.,

Treatment at home

You can make a claim for certain medical expenses for treatment at home which would otherwise require hospitalisation if

• If the doctor advises that you are not in a condition to be moved to a Hospital
• Hospital room may not be available when you need the medical treatment
• The condition lasts and requires medical attention for at least three days

Ambulance Charges

You can claim up to Rs.2000 spent on ambulance per each time you get hospitalized. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

Exclusions to note

Pre exisiting diseases

In the first 4 years of subscription, Insurer will not pay for treating medical conditions that you may have been suffering from before purchasing the policy. The same will be covered after 4 continuous policy years.

Maternity cover

Insurer will not pay for the maternity expenses in the first 4 years of the policy

30 days waiting period

You can only claim for treatments undergone 30 days after the issue of the policy except for treatment of emergency/accidents.

FAQ’s

What is meant by Pre-existing disease?

Pre Existing Disease includes any condition, ailment or injury or related condition(s) for which insured had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment within 48 months prior to the first policy issued by the insurer.

Is there any tax benefit?

Yes. Premium paid under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

What all documents do I need to furnish to get this policy?

Not Required. You just need to fill up the Form and pay online - Policy will be issued (unless underwriting scenarios). The entire process will be done in less than 4 min

Is there a maximum entry age?

Yes, for children the Maximum age at entry is 25 years and for adults it is 80 years. Age will mean completed age as on last birthday.

What do you mean by cashless hospitalization?

It's a facility where the insured can get hospitalized in any of our network hospitals & the payments of the costs of treatment undergone by the insured in accordance with the policy terms and conditions are made directly to the network provider(hospital) by the insurer provided that the condition is payable under the terms and conditions of the policy.