Plan Name | ||
---|---|---|
Sum Insured (SI) – on annual basis (in Rs.) | 3 Lacs | 5 Lacs \ 7 Lacs \ 10 Lacs |
In-Patient Hospitalization | Up to Sum Insured | Up to Sum Insured |
Pre-Hospitalization & Post Hospitalization | Up to SI, 30 days/60 days | Up to SI, 30 days/60 days |
Day Care Treatments | Up to SI, 541 Procedures | Up to SI, 541 Procedures |
Room Eligibility | 1% SI per day | Single Private AC Room (Max. up to 1% of SI per day) |
ICU Charges | 2% SI per day | 2% SI per day |
Daily Allowance | 500 per day; max. 5 days | NA |
Ambulance Cover | Up to 1,500 per hospitalization | Up to 2,000 per hospitalization |
Domicillary Hospitalization | Up to 10% of SI, covered after 3 days | Up to 10% of SI, covered after 3 days |
Annual Health check-up | Yes, all members | Yes, all members |
Automatic Recharge of Sum Insured | Yes to SI (Once in a Policy Year) | Yes to SI (Once in a Policy Year) |
No Claim Bonus | 10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI | 10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB |
Organ Donor Cover | Up to 50,000 | Up to 1,00,000 |
Second Opinion | Yes | Yes |
Alternative Treatments | Up to 15,000 | Up to 20,000 |
Sub - limits | ||
Treatment of Cataract | Up to 20,000 per eye | Up to 30,000 per eye |
Treatment of Total Knee Replacement | Up to 80,000 per knee | Up to 1,00,000 per knee |
Treatment for each and every Ailment / Procedure mentioned below:-
i. Surgery for treatment of all types of Hernia ii. Hysterectomy iii. Surgeries for Benign Prostate Hypertrophy (BPH) iv. Surgical treatment of stones of renal system |
Up to Rs. 50,000 | Up to Rs. 65,000 |
Treatment for each and every Ailment / Procedure mentioned below:-
i. Treatment of Cerebrovascular disorders ii. Treatments / Surgeries for Cancer iii. Treatment of other renal complications and Disorders iv. Treatment for breakage of bones |
Up to Rs. 2 Lacs | Up to Rs. 2.5 Lacs |
Minimum entry age | Adult: 61 years |
Maximum age | Adult : Life Long |
Renewal | Lifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA. |
Co-payment | 20% per claim, where age of Insured / eldest member is 61 years or above (Optional for existing Insured Person on attaining 61 years of Age) |
Waiting period | Named aliment Waiting period - 24 months of continued coverage Pre - existing disease Waiting period - 48 months of continued coverage |
Grace period | 30 days from the date of expiry |
You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
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