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| Title | Description |
|---|---|
| Room Rent Limit | Basic Plan:- 2% of sum insured subject to maximum of Rs.5000/. Gold Plan:- For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room. |
| ICU Daily Rent Limit | Basic Plan:- 2% of sum insured subject to maximum of Rs.5000/. Gold Plan:- For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room. |
| Pre-Hospitalization Expenses | Up to 30 days prior to admission in the hospital. |
| Post Hospitalization Expenses | Up to 60 days from the date of discharge from the hospital. |
| Minimum Hospitalization Period | 24 hours. |
| Day Care Procedure Coverage | All day-care procedures covered. |
| Automatic Restoration of Sum Insured | There shall be automatic restoration of the Basic Sum Insured by 200%, once during the policy period. Super Restoration under gold plan- up to 100% of basic sum insured for same ailment in subsequent hospitalization. |
| Pre-Existing Disease / Illness coverage | 48 months for pre-existing disease. |
| Waiting Period for New Policy | First 30 days for illness/disease (other than accidents). |
| Free Health Checkup | Cost of Health Check-up once after a block of every four claim-free years. This benefit is available for sum insured of Rs. 2,00,000/- and above only. |
| Ambulance Expenses | Basic Plan:-Emergency Ambulance charges upto a sum of Rs.750/- per hospitalization and Rs.1500/- per policy period. Gold Plan:-up to Rs.2000/- per hospitalization. |
| Non-Allopathic Treatments | Up to 25% of the Basic Sum Insured subject to a maximum of Rs 25000/- during entire policy period. |
| New Born Baby Cover | Under Gold Plan:-The coverage for new born baby starts from the 16th day after its birth and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less. |
| Donor Expenses | Organ Expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable. |
| Nursing Allowance | Under Basic Plan 2% of sum insured subject to maximum of Rs.5000/. Under Gold Plan: For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room |
