Highlights of the Policy:

♦ Cumulative Bonus @25% SI for claim free year with Max 50% of SI.
♦ Health Check Up for every 3 claim free years
♦ New Born Baby cover
♦ Cataract, up to 20% of Sum Insured or INR 50,000, whichever is less, for each eye.
♦ Expense incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines are covered 100% of Sum insured.
♦ Medical Expenses for Organ transplant are payable.
♦ Ambulance Charges at the rate of 1% of the Sum Insured.
♦ Hospital Cash at the rate of 0.1% Sum Insured per day, up to a maximum of 1% Sum Insured.
♦ For Pre Existing Diseases Waiting period is 48 Months as per clause 4.1 of the policy document
♦ For specified diseases waiting period is 24 months as per clause 4.3.1 of the policy document
♦ 226 Day Care procedures are covered under this policy
♦ Optional Cover I: No Proportionate Deduction
♦ Optional Cover II: Maternity Expenses Benefit for Sum Insured 5 Lakhs and Above (Maximum of 10% of the average SI of the Insured Person in the preceding three years)
♦ Optional Cover III: Revision in Limit of Cataract (For 8 Lakhs & above SI revised limit for Cataract will be 10% of the Sum Insured)
♦ Optional Cover IV: If Voluntary Co-Pay of 20% is chosen then 15% discount on premium will be given on the premium payable for the Insured person
♦ Optional Cover V: For Non-Payable Items for covering consumables as per List I with additional premium for SI 8 L & above
Premium will be charged based on the Age and selected zone.