In-patient Care | Covers hospitalization expenses incurred as an in-patient in a Hospital which will include Room, Boarding and O.T charges. Fees of Surgeon, Anesthetist, Nurses, Specialists etc. |
Day Care Treatment | Due to advancement of technology, hospitalisation expenses for certain treatments / diseases like Cataract, Eye Surgery, Dialysis etc are also covered, even though the hospitalisation is for less than 24 hours. |
Domiciliary hospitalization | Medical Treatment for a period exceeding three days, which in the normal course, would require hospitalisation, but treatment is actually taken at home, under circumstances like condition of the patient does not permit him/her to be removed to Hospital or patient cannot be admitted to Hospital for lack of accommodation therein. |
Pre and Post Hospitalisation | Policy also covers relevant medical expenses incurred during a specified period, before & after hospitalisation. |
Organ Donor | Covers hospitalisation expenses towards donor in case of major organ transplant. |
Ambulance cover | Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment. |
Tax Benefit | Premium paid for Policy is eligible for tax deduction under section 80 D of the Income Tax Act. |
Annual Health Check-up | To pre-empt you ever have to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year. Even if you make a claim with us! |
Second Option | If you are suffering from a serious illness or wish to get a second opinion of an expert/doctor, the insurance company will arrange one for you with free of cost. |
4 lacs | 5, 7, 10 lacs | 15, 20, 25, 30, 40 lacs | 50, 60, 70, 75 lacs | 1, 2, 3, 6 crores | |
---|---|---|---|---|---|
In-Patient Hospitalization | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
Pre-hospitalization | 30 Days | 30 Days | 30 Days | Up to SI,30 Days | Up to SI,30 Days |
Post-hospitalization | 60 Days | 60 Days | 60 Days | Up to SI,60 Days | Up to SI,60 Days |
Day Care | Yes | Yes | Yes | Yes | Upto SI |
Room Rent | 1% of SI per day | Single Private Room | Single Private Room (upgradable to next level) |
Single Private Room (upgradable to next level) |
Single Private Room (upgradable to next level) |
ICU Charges | 2% of SI per day | No Sub-Limit | No Limit | No Limit | --- |
Ambulance Cover | Rs.1,500/ Hospitalization |
Rs.2,000/ Hospitalization |
Rs.2,500/ Hospitalization |
Rs.3,000/ Hospitalization |
Rs.3,000/ Hospitalization |
Domiciliary Hospitalization | Upto 10% of SI | Upto 10% of SI | Upto 10% of SI | Upto 10% of SI | Upto 10% of SI |
Health Check-up | Yes | Yes | Yes | Yes | Yes |
Automatic Recharge of Sum Insured | Yes | Yes | Yes | Yes | Yes, Up to SI (Once in a Policy Year) |
No Claim Bonus | Yes | Yes | Yes | Yes | Yes |
Organ Donor Cover | Rs.50,000 | Rs.100,000 | Rs.200,000 | Rs.300,000 | Rs.500,000 |
Second Opinion | Yes | Yes | Yes | Yes | Yes |
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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