Complete Health Insurance

Hospital Daily Cash:

• A certain amount (as per the plan chosen) will be paid for each and every completed day of hospitalization, if such hospitalization is at least for a minimum period of 3 consecutive days and subject to a maximum of 10 consecutive days.

Convalescence Benefit:

• A benefit amount of ` 10,000 will be offered to every insured once for each policy year and insured will be paid in case of hospitalization arising out of any injury or illness as covered under the policy, for a period of 10 consecutive days or more.

Key Exclusions:

Donor Expenses*:

• Reimbursement up to ` 50,000 for such medical expenses as incurred by the organ donor for undergoing any organ transplant surgery for your use.

Critical illness Cover*:

• Provides cover on diagnosis of specified Critical Illnesses/ Medical Procedures as per the sum insured of the policy.

1. Cancer Of Specified Severity
2. Open Chest CABG
3. First Heart Attack Of Specified Severity
4. Kidney Failure Requiring Regular Dialysis
5. Major Organ/Bone Marrow Transplant
6. Stroke Resulting In Permanent Symptoms
7. Permanent Paralysis Of Limbs
8. Open Heart Replacement Or Repair Of Heart Valves
9. End Stage Liver Disease

• This cover is available on all Sum Insured options.
• The benefit amount on the above circumstances will be payable depending on the diagnosis of the illness.
• Refer to the policy wordings for full details on 9 critical illnesses.
• For greater than 10L SI, the lumpsum benefit will be 50% of the sum insured.

Key Exclusions:

*Maximum 2 adults can apply up to 60 years.

Maternity and New born baby Cover:

• Reimbursement of medical expenses incurred for delivery, including a caesarian section, during hospitalization or lawful medical termination of pregnancy during the policy period. Pre and post natal expenses shall also be covered upto the defined limit. Reimbursement of medical expenses incurred on the new born baby during hospitalization (minimum period of consecutive 24 hours) for a maximum period upto 91 days from the date of birth of the baby.

Wellness and Preventive Healthcare and Outpatient Treatment Cover:

• Reimbursement for the medical expenses incurred as an out-patient including routine physical and preventive examinations, fitness programs including gymnasium, yoga, vaccinations etc.

Refer Policy wordings for detailed information on applicability of Sub limits

Medical treatment for an injury/illness wherein you need to be admitted and stay in the hospital for more than 24 hours

Day care treatments are a total of 150 surgeries or medical treatments undertaken in a hospital as an in-patient wherein you can be admitted for less than 24 hours, to make a claim on treatment expenses. Refer to the policy wordings for the entire list of 150 procedures.
Key Exclusions: OPD (Out-Patient) Treatment.

Medical expenses for alternative treatments are paid to you if you're admitted as an in-patient in any government hospital.

Key Inclusions:
Alternative Treatments such as Ayurveda, Yoga and Naturotherapy, Unani, Siddha, and Homeopathy.

You can claim on medical expenses that are incurred 30 days before being hospitalised and 60 days after being hospitalised.

The insured person is transported in an ambulance to the nearest hospital during an emergency. For such a service, you can claim reimbursement up to Rs. 1,500 per hospitalisation.

Key Exclusions: 1. OPD (Out-Patient) Treatment
2. Emergency condition that is not certified by a medical practitioner.

If your Sum Insured is insufficient because of a claim during the policy period, we reset up to 100% of your Sum Insured amount. You don't have to worry about exhaustion of Sum Insured during a policy year.

Key Exclusions: Claim can't be made twice on the same illness during the policy year.

Earn wellness points for activities like taking a gym/yoga membership, participating in a professional sporting event, or participating in a fitness activity we organise. You can redeem your wellness points against outpatient medical expenses. Under this benefit, you can also contact us to avail:

• Emergency assistance information such as nearest ambulance / hospital / blood bank etc.
• Second opinion of a medical expert through electronic mode.
• Referral for medical service provider, evacuation/ repatriation services, home nursing care etc.

10% of annual sum insured for each completed claim free year subject to a maximum of 50%

We will cover the expenses in case of an organ donation. We also cover medical expenses of up to ₹10 lakhs (as per Plans opted) for an organ transplant surgery. To avail this benefit, your hospitalisation claim for the surgery needs to be approved by us first.

We will reset your sum insured as many times as required in the policy year. This applies in case your sum insured (including additional sum insured) is exhausted due to previous claims. Reset benefit will not be triggered for your first claim.

We will cover your medical expenses with respect to domiciliary hospitalisation. This benefit applies only if it is advised by a doctor and is medically necessary. You need to be treated for a minimum of 3 consecutive days of domiciliary hospitalisation. To know which treatments are not covered under this benefit, please read our policy wordings.

We will cover air ambulance expenses to transfer you to the nearest hospital for emergency care, in case of a life-threatening emergency. It is applicable only in cases where road ambulance services cannot be provided. Maximum liability under this benefit is restricted up to your sum insured stated on the policy schedule.

Your additional sum insured (ASI) will not be affected or reduced at renewal. This benefit applies if your one claim or multiple claims in the previous policy year did not exceed ₹50,000.

Our emergency services include domestic road ambulance, ambulance assistance and tele consultation.

1. We cover your domestic road ambulance expenses to the nearest hospital for emergency care facilities. The expenses will be limited to 1% of your sum insured, maximum up to ₹10000.
2. In case of a life-threatening condition, we will arrange ground medical transportation to the nearest hospital on cashless basis.
3. We will arrange telephonic/virtual consultations with a medical practitioner for routine health issues. You can receive the consultation via audio, video, online portal, chat or mobile app. This service will be available 24 hours a day, 365 days a year.

Get daily cash allowance if you are hospitalised for three consecutive days or more. You can claim for maximum 10 consecutive days under this cover. In case your hospital stay has to be extended for more than 10 days, we will pay you Rs. 10,000 as convalescence benefit. Hospital Daily Cash - Get daily cash allowance if you are hospitalised for three consecutive days or more. You can claim for maximum 10 consecutive days under this cover. Convelscance Benefit - In case your hospital stay has to be extended for more than 10 days, we will pay you ₹10,000 as convalescence benefit. This benefit is payable only once to an insured person during each policy year of the policy period.

Maternity: Reimbursement of medical expenses incurred for delivery, including a caesarian section, during hospitalization or lawful medical termination of pregnancy during the policy period. Pre and post natal expenses shall also be covered upto the defined limit. Sum Insured a) Sum Insured 3/4/5 Lacs: Normal: Rs 15,000; Cesarean: Rs 25,000/ Pre post Natal: Rs 2000 each/ New Born: Rs 10,000; 3 years waiting period ; b)Sum Insured 7/10 Lacs: Normal: Rs 25,000; Cesarean: Rs 50,000/ Pre post Natal: Rs 2000 each/ New Born: Rs 10,000; 3 years waiting period

Outpatient treatment cover Reimbursement for the medical expenses incurred as an out-patient.
a) Sum Insured 3/4/5 Lacs: Rs 5000;
b)Sum Insured 7/10 Lacs: Rs 10,000
c) Sum insured > 10 Lacs: Rs. 20,000

Maternity: Reimbursement of medical expenses incurred for delivery, including a caesarian section, during hospitalization or lawful medical termination of pregnancy during the policy period. Pre and post natal expenses shall also be covered upto the defined limit. Normal: Rs 25,000; Cesarean: Rs 50,000/ Pre post Natal: Rs 2000 each/ New Born: Rs 1,00,000; 3 years waiting period

Outpatient treatment cover Reimbursement for the medical expenses incurred as an out-patient upto Rs 20,000

Cover for expenses related to home nursing and compassionate visit. Nursing at home: We will cover up to ₹3,000 spent per day for home nursing post hospitalisation. This benefit is applicable for up to a maximum of 15 days post hospitalisation. Compassionate visit: If your hospitalisation extends beyond 5 days, we will cover your spouse/children/parent's visit. Under this benefit, we reimburse the fare for an economy class air ticket (up to Rs. 20000 per policy year).

We will cover the items related to your claim, which are not payable as per IRDAI's excluded list. These include hot packs, gauze and crepe bandages. Such non-payables will be covered if we have accepted your inpatient hospitalisation claim.

We increase your sum insured every year at renewal, based on the previous year's inflation rate. This cover is designed to protect your sum insured from inflation. Inflation rate is based on the Consumer Price index (CPI) published by the Central Statistical Organisation (CSO).

We will cover your hospitalisation expenses outside India as well. You can claim for inpatient hospitalisation and day care procedures. A co-pay of 10% will be applied to every admissible claim.

Avail 50% increase in the sum insured (SI) at renewal for every claim-free year. This benefit applies if you renew the policy on time without any break-in period.Maximum limit:
For SI between 5 to 10 lakhs: 100% of SI
For SI between 15 to 50 lakhs: 200% of SI
This will be over and above the additional sum insured that you'll get while renewing the policy, if you've made no claims in the past year. If you make a claim in the policy year, the super no claim bonus will reduce by 50%.