USD 4lacs/600Lac options available
1, 2, 3 years options available
59.00%
86.63%
19,000+ hospitals
1,178,380
7,342,207
Self, Spouse + dependent (children + parents)
Minimum entry age | 1 day |
Maximum age | No age bar |
Renewal lifelong renewabilty | The policy can be renewed under the then preveling Health Insurance Product or its nearest substitute approved by IRDA. |
Renewal premium | Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA. |
Co-payment (Sum Insured 5 lakhs & above) | If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest. |
Waiting period | 30 days for any illness except injury |
Waiting period for pre-existing illnesses | Four years of continuous coverage |
Change in sum insured | You can enhance your sum insured under the policy only upon renewal |
Grace period | 30 days from the date of expiry to renew the policy |
Underwriting loadings | Based on the assessment of the extra risk on account of medical conditions by the underwriter, the premium shall be loaded accordingly (15%, 30% or 50%) |
Group discount | 5 to 20%, depending upon the group size. |
Complete care | After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible) |
Plan Options | ||||||||||||||||||
Features/plan (Sum Insured) | Enhance 1 | Enhance 2 | ||||||||||||||||
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Sum Insured | Rs.1 lakh to Rs.25 lakhs (As multiple of 1,2,3,4 or 5 time of deductible) Rs.6 lakhs to Rs.30 lakhs (As multiple of 1,2 or 3 time of deductible) |
Rs.30 lakhs, Rs.35 lakhs, Rs.40 lakhs, Rs.45 lakhs, Rs.50 lakhs, and Rs.55 lakhs | ||||||||||||||||
Deductible(or existing Policy Sum Insured) |
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In patient Care | Up to Sum Insured | Up to Sum Insured | ||||||||||||||||
Pre Hospitalization | Up to 30 Days | Up to 30 Days | ||||||||||||||||
Post Hospitalization | Up to 60 Days | Up to 60 Days | ||||||||||||||||
Day Care Treatment | Yes | Yes | ||||||||||||||||
Room Rent Category | Single Private Room with A.C | Single Private Room with A.C., upgradable to next level | ||||||||||||||||
ICU charges, Doctor's fee etc. | No Limit | No Limit | ||||||||||||||||
Health check-up | Yes | Yes | ||||||||||||||||
Organ Donor Cover | Yes | Yes | ||||||||||||||||
Expert Option | Yes | Yes | ||||||||||||||||
Enhance Anywhere | No | Yes |
You can buy insurance online by using a credit/debit card, UPI, direct funds transfer, NEFT or RTGS or by a cheque.
et all the answers to the most frequently asked questions (FAQs) regarding best health insurance plans in India.
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