Features
- Cover for hospitalisation expenses with no sub-limits
- Tax Benefit under section 80D (Subject to change Tax Laws)
- No medical tests upto the age of 55 years**
- Constant premium from 61 years and above*
- Entry age till 65 years with lifetime renewal option
- Higher Sum Insured at a lower premium with range of deductible
Public Coverage
In-patient hospitalisation expenses:
If the treatment of an illness or accidental injury is undertaken in a hospital, the medical expenses incurred by you towards your hospitalisation on room rent / ICU / Therapeutic Unit, Medical Practitioner fees, Anaesthetist fees, nurse fees, blood, oxygen and anaesthesia are covered. There are no sub-limits under this cover.
Pre and Post- hospitalisation medical expenses:
Policy covers all the medical expenses you incur up to 30 days before being admitted into a hospital and for 60 days after you have been discharged from hospital. These expenses are payable subject to following condition.
Such medical expenses are incurred for the same condition for which your hospitalisation was required and the Inpatient Hospitalisation claim for such hospitalisation is admissible by insurer.
Expenses for Pre-existing diseases:
Policy covers expenses incurred for the treatment of diseases that you have before taking the Policy and will be covered only after 3 continuous renewals with insurer.
Day Care Procedures:
Policy covers medical expenses incurred by you for treatment or procedures that requires less than 24 hours of hospitalisation undertaken under general or local anaesthesia. There is no static list for day care procedures in the policy as advances in medical science leads to many more being added continuously. So, even if it is a new procedure, you can be rest assured that, it will be covered.
However, this cover excludes diagnostic procedures and treatments taken in an out-patient department.
Eligibility
Policy can be availed by persons between the age of 18 years to 65 years.
Dependent children covered from the age of 91 days to the age of 23 years.
Your parents and parents in-law can also be covered in the same Policy on an Individual Sum Insured basis and in a separate Policy on floater Sum Insured basis.
Waiting Periods -
1. All pre-existing diseases / illness / injury / conditions as defined in the Policy, until 36 months of continuous covers have elapsed since inception of the first Policy.
2. Any disease contracted and / or Medical Expenses incurred by You in respect of any illness during the first 30 days from the commencement date of the Policy except in case of accidental injuries.
3. All expenses along with their complications on treatment towards specific ailments / illness are excluded and will be covered after the first two years (24 months) of continuous operation for example -
- Cataract
- Hysterectomy other than for malignancy
- Uterine prolapse including any condition requiring Hysterectomy
- Polycystic Ovarian Diseases, Myomectomy for Fibroids
- Knee Replacement Surgery (other than caused by an accident)
- Osteoarthritis and Osteoporosis
- Congenital internal anomaly
- Fistula in anus, Piles, Fissures
- Fibroids, Dilatation & Curettage for treatment purposes, Pilonidal sinus, Chronic Suppurative Otitis Media (CSOM)
- Deviated Nasal Septum, Sinusitis and related disorders
(For Complete list of ailments / illness kindly refer the policy document)
Exclusions -
- Aggregate Deductible: Insurer is not liable for Claims / Claim amount falling within Aggregate Deductible limit as opted and mentioned on the Schedule
- Ambulance charges
- Domiciliary hospitalisation expenses
- Any treatment arising from or traceable to pregnancy, childbirth including Caesarian section
- Co-payment: All person(s) named in the Schedule to this Policy above the age of 80 years (age last birthday) shall bear a co-pay of 10% for each and every claim
(For Complete list of exclusions kindly refer the policy document)
Additional Features:
Two Year Policy Period:
Get a Policy for a continuous period of 2 years and avail a 5% discount on the total premium amount.
Individual and Floater Sum Insured Options:
This Policy gives you an option of covering your spouse and 2 dependent children. Your parents and parents in-law can also be covered in the same Policy if it is on an Individual Sum Insured basis and in a separate Policy on floater Sum Insured basis
The content is descriptive only. For actual coverage, kindly refer the policy document.