Basic Hospitalisation Cover

Covers medical expenses incurred:
As an inpatient during hospitalisation for more than 24 hours, including room charges, doctor’s / surgeon’s fee, medicines, diagnostic tests, etc.

30 days prior to hospitalisation

60 days post hospitalisation

Pre-existing diseases shall be covered after 2 years

Following technologically advanced treatments do not need 24-hour hospitalisation but are covered under this policy are:- - Cataract (limited to Rs. 20,000 per eye) - Lithotripsy (Kidney Stone Removal) - Tonsillectomy - Eye Surgery - Dialysis - Dilatation & Curettage - Chemotherapy - Radiotherapy - Coronary Angiography - Cardiac Catheterization

Outpatient Department (OPD)

The following OPD expenses are covered:

Room, Boarding Expenses as charged by the Hospital

Nursing Expenses

Expenses related to Dental Treatment

Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees

Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Consumables, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Cost of Artificial Limbs External Medical Aids, Dental treatment charges, Ambulance charges

Note The OPD claims can be made only on a re-imbursement basis. You can lodge a claim only once during the Period of Insurance, i.e. 90 days after commencement of policy and 30 days after expiry of the Period of Insurance.

For more details, kindly refer to the Policy Wordings.

The enrollment age (of senior most member) can be between 5 to 65 years of age .

Maximum two adults can be covered under a single policy.

The Proposer needs to be above 18 years of age.

No health check-up up to the age of 55 years (age as on last birthday).

The policy cover is renewable till the age of 70 years.

Income Tax benefit u/s Section 80D of the Income Tax Act, 1961 can only be availed for policies bought for self, spouse, dependent children or parents.

Click here to view our Policy Exclusions.

Exclusions for Basic Hospitalization Benefit Cover:

Exclusions valid for the firs 30 Days

-Any illness contracted within 30 days of the inception date of the policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals of this policy.

Exclusions valid for the first 2 Years

Treatment of the following diseases -
- Cataract **
- Benign Prostatic Hypertrophy
- Myomectomy, Hysterectomy unless because of malignancy
- Hernia, Hydrocele
- Fistula in Anus, Piles
- Arthritis, Gout, Rheumatism
- Joint replacement, unless due to accident
- Sinusitis and related disorders
- Stone in the urinary and biliary systems
- Dilatation & Curettage
- Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids
- Dialysis required for chronic renal failure
- Surgery on tonsils and sinuses
- Gastric and duodenal ulcers
- Deviated Nasal Septum

** Sub limit of Rs. 20,000 per eye is applicable

If the policy is renewed with us for 2 consecutive years, the above diseases/illness/ailments will be covered from the 3rd year. If these are pre-exisitng diseases at the time of inception of the policy, the same will be covered from the second consecutive renewal.

Permanent Exclusions
- Any internal congenital illness.
- Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic and obesity related treatment.
- Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
- War, riots, strike, nuclear weapon induced treatment.


Exclusions for OPD (Outpatient Department Expenses):
- Suicide or self-inflicted injury
- Alcohol or drug abuse
- War, riots, nuclear related hospitalization
- Non-allopathic treatment, experimental and unproven treatment
- Expenses arising from treatment of HIV/ AIDS or related disease, use or misuse of alcohol and other intoxicating substances and intentional self-injury

For more details, kindly refer to the Policy Wordings.

Cashless claim settlement process
Reimbursement claim settlement process
All India Cashless Hospital Network
Documents Required
Download Pre Authorisation Form
Download Claim Form

Frequently Asked Questions (FAQs)

Do you cover existing illness/ diseases?
Existing diseases are covered subject to sub-limits and waiting period. These diseases are covered after 2 years provided the policy is renewed with us for two consecutive years

How do I get the maximum tax saving benefit under Section 80D on the premium payable?
The premium payable under this plan is fixed at Rs.15,000 and 20,000(which is the new limit for tax deduction available under section 80 D) while the amount of coverage changes depending on the age and the number of members covered. This premium amount is fully deducted while computing your taxable income. Hence, you save Rs.5099 on your health insurance.

How many members can be covered under this policy?

One policy covers maximum up to two family members - defined as two adults or one adult or one child. If the child is over a year old, you need to buy an additional policy for each of the additional members.

How can I obtain a hard copy of my policy?
You can select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days.


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