Health Insurance

Policy Coverage
• Medical expenses incurred as an inpatient during hospitalization for more than 24 hours, including room charges / ICU Charges, Doctor / surgeon’s fee, medicine bills etc.,
• Medical expenses incurred, immediately, 30 days prior and 60 days post hospitalization
• Day care expenses incurred or named advanced technological surgeries and procedures requiring less than 24 hours of hospitalization. (Including Dialysis, Radiotherapy and Chemotherapy)
• The minimum age starts from 6 years under individual policy and 3 months under a floater policy.

Eligibility
• The customer can buy the policy for any family member(s) children and / or parents.
• The insured should be above 3 months in case of floater and 6 years in case of individual. To cover children aged 3 moths to 5 years, the policy must also cover at least 1 adult.
• The proposer needs to be aged above 18 years
• Individual(s) proposed for insurance whose age is 46 years and above have to undergo medical tests at designated diagnostic centers.
• The policy offers guaranteed lifetime renewability.
• Income tax benefits u/s 80D can only be availed for policies bought for self, spouse, parents and dependent children.

Key Benefits
• Comprehensive coverage for you and your family
• Flexibility to choose a wide range of options on premium, plan and sum insured ranging from Rs. 2Lakh To Rs. 10Lakhs
• Guaranteed lifelong renewability
• No restriction on maximum entry age
• Option to choose sub-limit and modify premium

Option of choosing 1 or 2 year policy period as per plans offered
• Pre-Existing illness covered after two / four years depending on the plan chosen
• Choice of add-on covers available along with hospitalization cover like critical illness, donor expenses, hospital daily cash and convalescence benefit
• Cashless claims facility at over 4,000+ network hospitals across India (simply use your Health ID Card at any of our 4,000 Network Hospitals and avail Cashless service, a boon for those times when you need finance the most)
• Continue to enjoy quality service even during claim settlements with our own in-house health claim processing and wellness team
• Bouquet of value added services like free health checkup coupon, online chat with doctor, diet and nutrition e-consultation, specialist e-consultation, discount vouchers and many more No health check-up up to the age of 45 years (age as on last birthday)
• Avail tax benefits under section 80D of the Indian income tax act 1961**
• Options for one or two year covers (auto renewal) available
• Get additional sum insured for every claim free year

Permanent Exclusions
• Any illness / disease / injury / pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the company for 2 consecutive years for sum insured of Rs.3 Lakhs, Rs.4 Lakhs, Rs.5 Lakhs, Rs.7 Lakhs, Rs.10 Lakhs and for 4 consecutive years for sum insured of Rs.2 Lakhs.
• Non-Allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
• Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self-injury.
• War, civil war or breach of law
• Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
• Treatment taken outside the country
• Any expense arising out of Domiciliary treatment