Basic Covers
- In patient Hospitalization
- Pre-hospitalization
- Post-hospitalization
- Day care Treatment
- Domiciliary Treatment
- Ambulance Cover
- Donor Expenses
- Worldwide Emergency Cover
- Restoration of Sum Insured
- Health Maintenance Benefit
- Maternity Expenses
- Newborn Baby Expenses
- First Year Vaccinations
Value Added Covers
- Health Check Up
- Expert opinion on Critical Illness
- Cumulative Bonus
- Healthy Rewards
Optional Covers
- Deductible
- Reduction in Maternity Waiting
- Voluntary Co-pay
- Waiver of Mandatory Co-pay
- Cumulative Bonus Booster
Add On/Rider Cover
Critical Illness
i) Eligibility:
The minimum entry age under this policy is 91 days for children and 18 years for adults. There is no limit for entry under this policy.
Coverage for children:
1. Children between 91 days to 5 years will be covered only if either of the parents is covered under the same or different policy of this product.
2. Children from 6 years to 18 years will only be covered if one of the parents is the proposer.
3. Children up to 23 years can be covered under the floater as dependents
4. Children beyond 23 years if dependent on the parents can be covered under an individual policy.
Renewals will be available for lifetime.
ii) Individual and Family Floater
The policy can be purchased on an Individual basis or a Family floater basis.
1. In case of an Individual policy, each Insured person under the policy will have a separate sum insured for them. Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, parent in laws, grandparents and grandchildren, son in-law and daughter in-law, uncle, aunty, nephew & niece.
2. In case of a floater cover, one family will share a single sum insured as opted. A floater plan can cover self, lawfully wedded spouse, dependent children up to the age of 23 years or dependent parents. A floater cover can cover a maximum of 2 adults and 3 dependent children under a single policy.
iii) Policy Period option
The policy can be bought for one, two or three continuous years at the option of the Insured. ‘One Policy Year’ shall mean a period of one year from the inception date of the policy.
iv) Plan & Sum Insured Options
One has the option to choose from a wide range of Sum Insured’s available under different plans.
Plan Name Sum Insured (Lacs)
- Protect Plan Rs 2.5L, 3.5L, 4.5L, 5.5L, 7.5L, 10 L
- Plus Plan Rs 4.5L, 5.5L, 7.5L, 10L
- Preferred Plan Rs 15L, 30L, 50L
- Premier Plan Rs 100 L
- Accumulate Rs 5.5L, 7.5L, 10 L, 15L, 20L, 25L
