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| Title | Description |
|---|---|
| Room Rent Limit | Covered |
| ICU Daily Rent Limit | Covered |
| Pre-Hospitalization Expenses | Medicare 60 days, Medicare Premier 60 days, Medicare Protect 30 days |
| Post Hospitalization Expenses | Medicare 90 days, Medicare Premier 60 days, Medicare Protect 30 days |
| Minimum Hospitalization Period | 24 hours |
| Day Care Procedure Coverage | Covered |
| Automatic Restoration of Sum Insured | Automatically restore the Basic Sum Insured upon exhaustion of the Sum Insured and accrued Cumulative Bonus, during the policy period. |
| Pre-Existing Disease / Illness coverage | Medicare :Any pre-existing condition will be covered after a waiting period of 36 months.|Medicare Protect:After 48 months | Medicare Premier: after 24 months. |
| Waiting Period for New Policy | 30 days |
| Co-Payment | 10% of the admissible claim if room category is higher than shared accomodation. |
| Medical Screening | Pre-Policy Check-up at our network may be required based upon the age and/or Sum Insured. |
| Free Health Checkup | Medicare :After 2 continuous Claim free year 1% of previous SI max 10,000 | Medicare Premier : Every Year irrespective of claim 1% of Previous SI max 10,000 | Medicare Protect:After 3 continuous Claim free year |
| Ambulance Expenses | Under Medicare and Medicare Protect Road ambulance Covered | Under Medicare Premier Road as well as air ambulance is covered |
| Non-Allopathic Treatments | Covered |
| Donor Expenses | The Medical and surgical Expenses of the organ donor for harvesting the organ where an insured person is the recipient. |
| No Claim Bonus | Medicare:-50% Bonus accumulating upt 100%,50% reduction in case of claim| Medicare Premier:-50% Bonus accumulating upt 100% , 50% reduction in case of claim| Medicare Protect:10% accumulating upt 100%, 10% reduction in case of claim |
