Maximum Sum Insured |
200,000 / 300,000 / 400,000 / 500,000 |
3,00,000 / 4,00,000 / 5,00,000 / 7,50,000 / 10,00,000 / 15,00,000 / 20,00,000 |
5,00,000 / 10,00,000 / 15,00,000 / 20,00,000 / 25,00,000 / 50,00,000 |
Inpatient Treatment |
Covered upto max SI |
Covered upto max SI |
Covered upto max SI |
Room Rent Charges |
Room Rent covered for Shared accomodation |
Room Rent covered for Shared accomodation + Single Private Rooms 10% co-pay is applicable in case the insured opts for a higher room category in case the plan opted is for shared accommodation
|
No restrictions |
Ambulance Charges (per policy period) |
upto ₹ 1,000 per hospitalisation |
upto ₹ 3,000 per hospitalisation |
upto ₹ 5,000 per hospitalisation |
Air Ambulance (per policy period) |
- |
- |
upto 5,00,000 |
Pre Hospitalisation Expenses incurred |
upto 30 days |
upto 60 days |
upto 60 days |
Post Hospitalisation Expenses incurred |
upto 60 days |
upto 90 days |
upto 90 days |
Delivery Charges (Normal) |
- |
- |
50,000 (60,000 for a girl child) |
Deliver Charges (Caesarean) |
- |
- |
50,000 (60,000 for a girl child) |
Waiting Period for Delivery |
- |
- |
48 months |
Coverage for New Born Child |
- |
- |
10,000 |
First Year Vaccination Charges |
- |
- |
10,000 (15,000 for a girl child) |
Outpatient (OPD) Dental Cover |
- |
- |
10,000 after completing two years of continous coverage |
Daily Cash - per day limit for shared accomodation / accompanying and insured child
|
- |
Upto 0.25% of Sum insured max ₹2,000 each |
Upto 0.25% of Sum insured max ₹2,000each |
Health Check Up |
1% of Sum Insured subject to 3 claims free years upto ₹10,000 |
1% of Sum Insured subject to 3 claims free years upto ₹10,000 |
1% of Sum Insured every year upto ₹10,000 |
Restoration Benefit after exhaustation of Sum Insured (once during policy period) |
upto Sum Insured |
upto Sum Insured |
upto Sum Insured |
Bariatric Surgery(per policy period) |
- |
Covered |
Covered |
Accidental Death |
- |
- |
Fixed amount of 100% SI |
Day Care Procedures |
541 listed procedures covered |
541 listed procedures covered |
541 listed procedures covered |
Organ Donor |
upto Sum Insured |
upto Sum Insured |
upto Sum Insured |
Domiciliary Treatment |
upto Sum Insured |
upto Sum Insured |
upto Sum Insured |
E Opinion for Critical Illness |
- |
Included |
Included |
Ayush Benefit |
Covered Upto Sum Insured |
Covered Upto Sum Insured |
Covered Upto Sum Insured |
Global Coverage for Treatment |
- |
Covered upto max SI provided diagnosis was made in India |
Covered upto max SI provided diagnosis was made in India |
Second Opinion |
- |
Included |
Included |
Vaccination Charges (NIL waiting) |
- |
Covered for ₹ 5,000 for Anti Rabies and Typhoid |
Covered for ₹ 5,000 for Anti Rabies and Typhoid |
Vaccination Charges (after waiting period of 2 years) |
- |
Covered for ₹ 5,000 for HPV and Hepatitis B |
Covered for ₹ 5,000 for HPV and Hepatitis B |
Inpatient Dental Treatment |
- |
Included |
Included |
Hearing Aid |
- |
50% of Actual or 10,000 every third year |
50% of Actual or 10,000 every third year |
Prolonged Hospitalisation Benefit |
- |
- |
1% of SI if continous hospitalisation is for more than 10 days |
High End Diagnostics |
- |
- |
Upto 25,000 per policy year |
Outpatient Treatment |
- |
- |
5000 once for every two years |
Compassionate Visit (Travel) |
Upto 20,000 |
Upto 20,000 |
Upto 20,000 |
Cumulative Bonus |
10% of Sum Insured (for every claim free year) upto 100% |
10% of Sum Insured (for every claim free year) upto 100% |
10% of Sum Insured (for every claim free year) upto 100% |
Consummables Benefit |
Included as per IRDAI 2016 guidelines |
Included as per IRDAI 2016 guidelines |
Included as per IRDAI 2016 guidelines |
Accidental Death Benefit |
- |
- |
100% of Sum Insured |
Additional Covers |
Accidental Death Benefit |
Coverage upto 100% of Sum Insured only for Primary Insured |
Coverage upto 100% of Sum Insured only for Primary Insured |
NA |