Covered up to the Sum Assured amount

No Capping, covered up to the Sum Assured amount

Pre Hospitalisation and Post Hospitalisation for 60 days & 90 days respectively are covered. 

Insurance company will cover expenses for AYUSH treatment only when the treatment has been undergone in an AYUSH Hospital or AYUSH day care centre. This cover will be applicable only within the geographical boundaries of India.

Reset will be available unlimited times in a policy year in case the annual Sum insured including accrued Additional Sum Insured (if any) and Super No Claim Bonus (if any), Sum insured protector (if any) is insufficient as a result of previous claims in that policy year. 

At the time of renewal of this Policy, the Insurance company will provide an additional sum insured (hereinafter referred to as “Additional Sum Insured”) of 10% of annual sum insured of immediately preceding policy year subject to a maximum of 100% provided that there is no Claim under this Policy during the Policy Year except as an Out-patient (If opted). This cover will be applicable only within the geographical boundaries of India. 

The Insurance company will cover the Insured up to the annual sum insured for the Medical Expenses incurred in respect of the donor for any of the organ transplant surgery, provided the organ donated is for your use and the organ donor is an eligible donor in accordance with “The transplantation of Human Organ Act”. will be applicable only within the geographical boundaries of India. 

Insurance company will cover the Medical Expenses incurred in respect of Your Domiciliary Hospitalization during the Policy Period provided minimum hospitalization of 3 days. Will be applicable only within the geographical boundaries of India.

Covers road ambulance expenses up to Rs.10,000 per event, incurred to transfer the Insured following an emergency to the nearest hospital per event of emergency hospitalization, (subject to Insurance company accepting the in-patient claim)

Air Ambulance is covered up to Sum Insured on cumulative basis, if used to transfer insured to nearest hospital in case of emergency. Not Applicable if transfer is from one hospital to another

Expense incurred towards the cost of Health check-Up will be covered up to the limit as specified below. This cover will be applicable only within the geographical boundaries of India.

• For Sum Insured Rs. 3 Lacs / 5 Lacs / 7 Lacs / 10 Lacs / 15 Lacs / 20 Lacs / 25 Lacs: up to a maximum limit of Rs. 3,000
• For Sum Insured Rs. 30 Lacs / 50 Lacs / 75 Lacs / 100 Lacs: up to a maximum limit of Rs. 5,000

We will cover the medical expenses incurred by you on availing treatment at home. This cover will be applicable only within the geographical boundaries of India.

The items which are not payable under the claim as per the list of excluded items released by IRDAI that is related to the particular claim will become payable.

The Sum Insured will be increased on cumulative basis at each renewal on the basis of Inflation rate in previous year

Additional Sum Insured (ASI) accrued by the Insured will not be impacted or reduce at renewal if any one claim or multiple claims admissible in the previous policy year under the policy does not exceed the overall amount of Rs.50,000

Covers Out Patient medical expenses for doctor consultation, Prescribed Pharmacy and diagnostics up to the limit as specified below. This cover will be applicable only within the geographical boundaries of India.

• Maximum limit of Rs. 5,000 for Sum Insured 3 Lacs / 5 Lacs
• Maximum limit of Rs 10,000 for Sum Insured 7 Lacs / 10 Lacs
• Maximum limit of Rs 15,000 for Sum Insured 15 Lacs
• Maximum limit of Rs 20,000 for Sum Insured 20 Lacs / 25 Lacs / 30Lacs
• Maximum limit of Rs 25,000 for Sum Insured 50 Lacs / 75 Lacs / 100 Lacs

If the Insured is hospitalized for a minimum period of 10 consecutive days, due to any Injury or Illness as covered under the Policy, the Insurance company will pay the Insured Rs.10,000 once in a policy period per insured member. This benefit is payable only once to an Insured Person during each Policy Year of the Policy Period.

If the Insured is hospitalized for a minimum period of 3 consecutive days, due to any Injury or Illness as covered under the Policy, the Insurance company will pay as per limit specified below per insured member.

1. Sum Insured Rs. 3 Lacs & 5 Lacs: Rs. 1,000 per day max up to 10 days (minimum 3 days hospitalization is mandatory)
2. Sum Insured Rs. 7 Lacs & 10 Lacs: Rs. 2,000 per day max up to 10 days (minimum 3 days hospitalization is mandatory)
3. Sum Insured Rs. 15 Lacs, 20 Lacs, 25 Lacs, 30 Lacs, 50 Lacs, 75 Lacs & 100 Lacs: Rs. 3,000 per day max up to 10 days (minimum 3 days hospitalization is mandatory)

Medical Expenses incurred for delivery of child, where You and Your spouse, both are covered under the same family floater Policy and have served the waiting period of 3 years up to the limit as specified below. This cover will be applicable only within the geographical boundaries of India.

• Sum Insured Rs. 5 Lacs / 7 Lacs: Maternity limit Rs 25,000 for both normal and C section, maximum up to 2 events
• Sum Insured Rs. 10 Lacs / 15 Lacs / 20 Lacs / 25 Lacs / 30 Lacs / 50 Lacs: Maternity limit Rs 40,000 for both normal and C section, maximum up to 2 events
• Sum Insured Rs. 75 Lacs / 100 Lacs: Maternity limit Rs 50,000 for both normal and C section, maximum up to 2 events

Medical Expenses incurred towards the treatment of a New Born Baby (up to 90 days from date of birth) and in case a Maternity Benefit claim has been accepted up to the limit INR 10,000.