Due to scientific advancement, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. This plan covers such procedures.

In this policy no-claim bonus equal to 5% or 10% (depending on the variant) of basic sum insured up to a maximum of 100% is available. However, this benefit is not available in the Premium variant.

This benefit covers for any expenses related the organ donation for you up to the sum insured.

The insurance company will compensate you for the medical expenses related to your hospitalization up to 60 days before it.

The insurance company will pay you for the medical expenses related to your hospitalization up to 90 to 180 days (depending on the plan variant) post-hospitalization.

It offers to restore benefit equal to 100% of the sum insured. However, this advantage is not available in the Premium variant.

You have the option to choose a voluntary deductible of Rs.1 lakh, Rs.2 lakh or Rs.3 lakh. Although you’ll have to bear this amount during a claim, it will reduce the premium.

This plan does not cover expenses related to outpatient treatment.

This policy does not offer any daily hospital cash.

Offers complimentary health check-up that covers some listed tests, once every three years or every year (depending on the plan variant), irrespective of the claim.

You can avail treatment at home up to the sum insured, provided it meets the pre-defined conditions.

This plan does not cover expenses related to non-allopathic treatment.

This plan provides ambulance cover up to Rs.2,000 or actuals (depending on the plan variant) per hospitalization.

This plan does not provide coverage for eye treatment expenses.

This benefit is offered only for Plus, Preferred and Premium variant. For Plus plan, you are covered up to Rs.15,000 for normal delivery and up to Rs.25,000, for a C-Section. Similarly, for Preferred and Premium plan, you are covered up to Rs.50,000 for normal delivery and up to Rs.100,000 for a C-Section.

This policy does not cover any dental treatments.

This plan does not offer any recovery benefit.

The plan offers a rewards program where you get points equal to 1% of the premium paid each year. You can accumulate them up to 10% of the premium paid in the policy. Each earned reward point equals to Rs.1, and you can redeem them for a discount in premium from next renewal. You can also reimburse them under Health Insurance maintenance benefit or to enjoy services through the company’s network partners.

Under this benefit, you can claim for the cost towards an expert opinion on any of the listed critical illness before you seek the necessary treatment.

Although the plan does not cover the OPD treatments or treatments for alternative medicine directly, it offers a reimbursement between Rs.500 to Rs.15,000 (depending on the plan variant) each year to take care of your OPD consultations or any alternate forms of medicine like Ayush, and so on.

You can claim for reimbursement up to your sum insured or a maximum of Rs.10 lakh (depending on the plan variant) for any treatments covered under this policy anywhere in the world.

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

At an additional premium, you will get a lump sum amount equal to Sum Insured in the case of the first diagnosis of the covered critical illnesses. In the family floater, once you claim for a critical illness, you will get 100% reinstatement of sum insured once during the lifetime of the plan for the other person covered. However, this option is not available in the Premium variant.

With an extra premium, you can choose to waive the co-payment clause even after the age of 65 years.

The plan has defined limits for room rents and varies from sharing the room to a single private one depending on the plan variant.

A compulsory co-payment of 20% applies to all claims for anyone aged 65 years and above irrespective of entry age. Likewise, if anyone has opted for a voluntary co-pay and if he chooses to take treatment out of the zone, then the co-pay percentages will apply in conjunction.

A 30 days cooling off period for all claims except any arising out of accidental injuries.

The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

A 48/ 36/ 24/ 24 months waiting period will be applicable for any Pre-existing disease for Protect, Plus, Preferred & Premier Plan respectively.

The survival period of 30 days applies for any claim related to critical illness. Similarly, there is a waiting period of 90 days before the symptoms of any critical illness first occur to be able to claim.

A 48 months waiting period for maternity & newborn cover applies.

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