Key Highlights

Cashless Treatment at 8000+ Network Hospitals

You don’t have to pay even a single paisa from your own pocket in more than 8000+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to your sum insured.

Hospital Cash

In addition to the hospital expenses and medicines, this plan also provides you fixed amount of Rs. 500 per day for every completed day of hospitalization (to a maximum of 10th day of Hospitalization) if the total hospitalization exceeds 3 days.

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.,

Key Product Benefits to Check

Room Rent

You can avail 1% of your sum insured as room rent per day.

ICU Room Charges

Insurance company shall pay up to 2% of your sum insured per day for ICU room charges.

Reimbursement of Ambulance Expenses

You can claim upto Rs.1500 per hospitalization - spent on ambulance charges from one Hospital to another Hospital. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

Day Care Treatments

Insurance company will pay for medical treatment costs necessary and reasonable (in scope for a Day Care Procedure) that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

Exclusions to note

Pre exisiting diseases

If you/ any of the insured members are suffering from any medical condition (disease) before taking the policy, then the Insurance company will not pay for treatment of that condition for the first 3 years of subscription. All the other Health Care expenses will be covered.

30 days waiting period

You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

1 year waiting period

This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 1 year.

FAQ’s

What are the benefits of having a health insurance policy?

Having a health insurance policy covers any expenses you might incur due to hospitalization. This includes in-patient treatments, pre and post hospitalization charges, day care procedures, etc.

Is there any tax benefit?

Yes, you can avail tax exemptions up to a sum of Rs. 25,000 as tax benefit under 'Section 80D'. In case of senior citizens, you are allowed to avail tax exemption up to a sum of Rs. 30,000 under Section '80'