Highlight:
Title | Description |
---|---|
Room Rent Limit | Basic Plan:- 2% of sum insured subject to maximum of Rs.5000/. |
ICU Daily Rent Limit | Basic Plan:- 2% of sum insured subject to maximum of Rs.5000/. |
Pre-Hospitalization Expenses | Up to 30 days prior to admission in the hospital. |
Post Hospitalization Expenses | Up to 60 days from the date of discharge from the hospital. |
Minimum Hospitalization Period | 24 hours. |
Day Care Procedure Coverage | All day-care procedures covered. |
Automatic Restoration of Sum Insured | There shall be automatic restoration of the Basic Sum Insured by 200%, once during the policy period. Super Restoration under gold plan- up to 100% of basic sum insured for same ailment in subsequent hospitalization. |
Pre-Existing Disease / Illness coverage | 48 months for pre-existing disease. |
Waiting Period for New Policy | First 30 days for illness/disease (other than accidents). |
Free Health Checkup | Cost of Health Check-up once after a block of every four claim-free years. This benefit is available for sum insured of Rs. 2,00,000/- and above only. |
Ambulance Expenses | Basic Plan:-Emergency Ambulance charges upto a sum of Rs.750/- per hospitalization and Rs.1500/- per policy period. |
Non-Allopathic Treatments | Up to 25% of the Basic Sum Insured subject to a maximum of Rs 25000/- during entire policy period. |
New Born Baby Cover | Under Gold Plan:-The coverage for new born baby starts from the 16th day after its birth and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less. |
Donor Expenses | Organ Expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable. |
Nursing Allowance | Under Basic Plan 2% of sum insured subject to maximum of Rs.5000/. |