2 years of waiting period for pre-existing disease.
Above 45 years of age medical test is compulsory.
Both Individual & Floater Options are available in this Plan.
In-patient Treatment: Covers hospital expenses for admission longer than 24 hours.
Day Care Procedure: Medical expenses for day care procedures where such procedures are undertaken by an Insured Person as an In-patient in a hospital for continuous period of less than 24 hours.
Pre and Post Hospitalisation Expenses: Medical Expenses incurred due to illness up to 30 days period immediately before and 60 days immediately after an Insured Person's admission to a hospital.
Domestic Road Emergency Ambulance Cover: Ambulance expenses incurred to transfer the Insured Person following an emergency to the nearest hospital. Maximum amount payable is Rs 1500 per event of emergency hospitalisation.
Maternity Benefit: Medical expenses for the delivery of a child, where Insured Person and spouse, both are covered, after a waiting period of 3 years, subject to the following sub-limits: Normal Delivery Rs. 15,000 / Cesarean delivery Rs. 25,000.
New Born Baby Cover: New Born Baby will be covered under this policy for a maximum period of up to 91 days from date of birth, if a Maternity Benefit claim has been accepted, subject to the limit of Rs. 10,000.
Outpatient Treatment Cover: Medical expenses incurred as an Out-patient. Out-patient will mean the insured patient who is not hospitalized for more than 24 consecutive hours but who visits a Hospital, clinic, or associated facility for diagnosis or treatment..
Hospital Daily Cash: of Rs. 1,000 per day for hospital stay of minimum 3 days or more up to a maximum of 10 days.
Wellness & Preventive Healthcare: Expense incurred on routine health check-ups and for other wellness and fitness activities undertaken by Insured person
Convalescence Benefit: of Rs. 10,000 provided once for each Policy year during policy period, in case of hospitalisation of 10 days or more.
Hospitalization Cover (Family): 3/4/5Lakhs
Maternity Benefit (Normal+Cesarean Deliver/Pre-Post Natal(Rs. 2000 each)/ new Born Baby Cover upto Rs. 10,000 from day 1 to 91 days) Waiting Period for Maternity Benefit is 3 years: Normal Delivery upto Rs. 15,000, Cesarean Delivery upto Rs. 25,000