|Coverage Benefits in US||Standard Plan||Silver Plan||Gold Plan|
|Hospitalisation||Yes - Covers Hospitalisation expenses for period more than 24 hours|
|Domiciliary Hospitalisation||Yes-- Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation|
|Day care treatment||Yes|
|Pre-Hospitalisation Medical Expenses||30 days||60 days||60 days|
|Post-Hospitalisation Medical Expenses||60 days||90 days||90 days|
|Pre-Existing Disease||After 4 continuous renewals||After 2 continuous renewals||After 2 continuous renewals|
|Cost of Health Check-up||Yes- Reimbursement of cost of medical check-up upto 1% of average Sum Insured for individual policies and upto 1.25% for Floater covers, once at the end of a block of four consecutive years provided there are no claims reported under the policies by any member, during the block|
|Value added covers|
|Daily Hospitalisation Allowance||No||No||Rs. 250 per day upto 7 days|
|Nursing Allowance(Per day amount)||No||Rs.250 per day for a maximum period of 5 days||Rs.300 per day for a maximum period of 5 days|
|Local Road Ambulance Service (maximum of)||Upto Rs. 500/-||Upto Rs. 750/-||Upto Rs. 1000/-|
|Recovery Benefit||No||Yes - If in case an insured person is hospitalised for more than 10 days, a lump-sum of Rs. 10,000/- will be paid|
|Expenses on accompanying person (per day amount)||Rs. 200/- per day for a maximum period of 5 days||Rs. 250/- per day for a maximum period of 5 days||Rs. 300/- per day for a maximum period of 5 days|
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