Entry Age – Minimum | 18 Years |
Entry Age – Maximum | No Maximum Age |
Renewable | Life long |
Cover Type | Individual : Maximum 6 persons in a Policy Floater :2 Adults (self and spouse) |
Tenure | 1/2/3 Years |
Eligibility Criteria | Person/either one Person in case of a Floater Policy with 2 Adults, who have been diagnosed with a cardiac ailment/disorder in the past and undergone a Cardiac surgical intervention or procedure for the same |
Who are Covered (Relationship with Respect to the Proposer) | Individual: Self, legally married Spouse, Son, Daughter, Father, Mother, Brother, Sister, Mother-in-Law, Father-in-Law, Grandmother, Grandfather, Grandson, Granddaughter, Uncle, Aunt, Nephew, Niece, Employee or any other relationship having an insurable interest. |
Notes | - All the Age calculations are as per “Age Last Birthday” as on the date of first issue of Policy and / or at the time of Renewal. Option of Mid-term inclusion of a Person in the Policy will be only upon marriage or childbirth; Additional differential premium will be calculated on a pro rata basis - If Insured persons belonging to the same family are covered on an Individual basis, then every Insured person can opt for different Sum Insured and different Optional Benefits - Your Eligibility Criteria is Subject to Underwriting Criteria of the Company. |
Sum Insured (all figs in ₹ INR) | 3,00,000 | 5,00,000 | 7,00,000 | 10,00,000 |
In-Patient Hospitalization | Up to Sum Insured | |||
Room Rent / Room Category | Up to 1% of SI per day | Single Private Room | ||
ICU Charges | Up to 2% of SI per day | No Limit | ||
Day Care Treatment | Up to Sum Insured | |||
Pre Hospitalization Medical Expenses and Post Hospitalization Medical Expenses | Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to 5% of SI | |||
Alternative Treatments | Up to 25% of Sum Insured | |||
Ambulance Cover | Up to Rs 2,000 per Hospitalization | Up to Rs 3,000 per Hospitalization | ||
Domiciliary Hospitalization | Up to 100% of Sum Insured covered after 3 days | |||
Automatic Recharge | 100% of original Sum Insured upon exhaustion of SI | |||
No Claims 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) | |||
Cardiac Health Check-up | Annually | |||
Wait Periods | ||||
Initial Waiting Period | 30 Days | |||
Specific Waiting Period | 24 Months | |||
Pre-existing Diseases | 24 Months | |||
Co-payment | 20% Co-payment if the entry age<=70 years 30% Co-payment if the entry age>70 years |
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Pre-policy Issuance Medical Check up | None | |||
Home Care(Optional Cover) | Up to Rs.1,000 per day; Max.7 days per occurrence & Max.45 days per policy year per Insured Person; Covered after a deductible of 1 day | Up to Rs.2,000 per day; Max.7 days per occurrence & Max.45 days per policy year per Insured Person; Covered after a deductible of 1 day |
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