This policy covers for the complete family with an age group of 16 days Child to 65 year. This policy covers a minimum of 24 hours inpatient. The Sum Insured Start with 3 Lakh up to 25 Lakh. It guarantees lifelong renewal and no exit age. All persons above 50 years of age are undergoing Per Acceptance Medical Screening at company nominated centers. The cost of screening will be borne by the Company. The age of screening is subject to change.
Portability of policy from another insurance towards renewal as per the standard company norms 45 days before the policy expire.
This policy highlights:
- Inpatient Hospitalization Benefits such as Room Rent, Boarding, Nursing Expense as per the given Company policy and Sum Insured.
- Air Ambulance Cover up to 10% of Sum Insured per policy period for 5 Lakh and above Sum Insured.
- Emergency Ambulance Charges up to the sum of Rs 750/-per hospitalization and the overall limit is Rs 1500/- per policy period.
- Pre Hospitalization up to 60 days before the date of admission.
- Post Hospitalization up to 90 days after discharge from the hospital.
- Pre existing diseases are covered after 48 months.
- Domiciliary Hospitalization Benefit
- Cost of Health Checkup as per company norms for 3 lakh and above Sum Insured for every claim-free year.
- Donor The expense for Organ Transplantation payable Maximum at 10% of Sum Insured or 1 Lakh whichever is lesser.
- Newborn Baby coverage from 16th Day
- Emergency Domestic Medical Evacuation as per company policy.
- Ayush Treatment at Government Hospital and Institute Recognized by Government
- Second Medical Opinion.
- Assisted Reproduction Treatment after 36 months for 5 Lakh Sum Insured and above Policy.
- Automatic Restoration of Sum Insured for the exhaustion of the limit as defined during the policy period.
- Cataract Surgery.
- Recharge Benefit if the policy is exhausted/exceeded the policy period for additional indemnity up to the limits stated.
- Bonus for every claim-free year, 25% of Sum Insured
- Income Tax Benefit Under Sec 80 D for all non-cash payments.
- Portability from other insurance before 45 days of renewal due.