| Wider,cheaper coverage |
Coverage for family of up to 7 members, including parents,at an affordable premium |
| AYUSH |
In-patient hospitalisation covered up to Rs. 3,00,000 |
| Pre & Post Hospitalization Coverage |
Covers 60 days pre hospitalisation and 90 days post hospitalisation expenses |
| Food allowance for accompanying person |
Rs. 500/- per day of hospital stay for an admissible claim |
| Day Care Procedures |
141 procedures covered |
| Maternity benefit |
Normal & Caesarean: Up to Rs.20,000 per policy period |
| Domiciliary hospitalisation |
Up to Rs. 60,000/- for the family |
| Ambulance Charges |
Upto Rs. 2,500/- per hospitalisation |
| Room Charges |
Standard single occupancy AC room |
| No hidden charges |
No additional co-pay or deductibles that will give you unpleasant surprises |
| Tax benefit |
Avail tax benefit on the premium paid towards this health insurance, under section 80D of the Income Tax Act, 1961 as applicable |
| Freelok /Refund |
The Insured shall be allowed a period of 15 days from the date of receipt of this policy to review the terms and conditions of the policy and to return the same if not acceptable. |
| The Insured can return the policy within 15 days of its receipt if he/she is not satisfied with its coverage or terms and conditions. In such a case the policy will be cancelled from date of cancellation request received at Insurer’s office provided no claim is reported and considered. Refund of premium would be after retaining charges towards medical tests, stamp duty charges and pro-rata premium from the risk start date till date of cancellation. |
| Waiting Periods |
| 30 days |
Applicable for Sickness/Illness. Nil for Accidents |
| 12 months |
Applicable for Specific listed illness |
| 24 months |
Applicable for Pre-existing Diseases/Condition |
| 9 Months |
Maternity Expenses covered after 9 months |
| Renewal Incentive |
Upto Rs.2000/- per family, once in every two continuous claim free years |
Key Exclusion under the Group Health Insurance plan is as follows:
(Please refer to the Master Policy Wordings for detailed list of exclusions) |
| 30 Days waiting period: |
Any disease contracted within the first 30 days of commencement of cover will not be covered under the policy |
| 12 Months waiting period |
Expenses incurred on treatment of following diseases within 12 months from the commencement of the Policy will not be payable:
Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, internal congenital disease, Sinusitis and related disorders. |
| 24 Months waiting period - Pre-Existing Disease (PED) |
Pre-existing conditions will be covered after a waiting period of 24 consecutive months of continuous coverage under this plan.
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