Medicare Individual
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The Policy provides cover on an Individual basis. A separate Sum Insured for each Insured Person is provided under Individual basis.


  • Covers Cataract surgery up to 10% of Sum Insured
  • Coveres Mental Illness up to 25% of Sum Insured
Title Description
Room Rent Limit For SI < Rs. 5 Lacs 1% of Sum Insured. For SI of Rs. 5 Lacs and Above 1% of Sum Insured or Single Occupancy Standard Air- Conditioned Room Charges whichever is higher
ICU Daily Rent Limit For SI< Rs. 5 Lacs 2% of Sum Insured. For SI Rs. 5 Lacs and Above Actuals
Pre-Hospitalization Expenses 30 days prior to hospitalisation
Post Hospitalization Expenses 60 days after the discharge from the hospital, Subject to a maximum of 10% of Sum Insured
Day Care Procedure Coverage Covered.
Automatic Restoration of Sum Insured Automatic Restoration of Basic Sum Insured is available only for sum insured options from Rs. 3,00,000 and above.
Pre-Existing Disease / Illness coverage Covered after 48 montsh of continuous coverage
Waiting Period for New Policy 30 days
Co-Payment For persons with age of entry above 60 years in Family Medicare Policy, every admissible claim under Base Cover 1 to 5, 7 and 9 above shall be subject to a Co-payment of 10% on the admissible claim
Free Health Checkup 1% of average Sum Insured of preceding 3 years maximum of Rs. 5,000 per person for policies issued on individual sum insured basis
Ambulance Expenses 0.5% of the Sum Insured subject to a maximum of Rs. 2500 per event and 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period
Non-Allopathic Treatments For SI 3 Lac upto Rs 10,000. For SI >3Lac to 15Lac upto Rs 15,000. For SI >15,00,000 upto Rs 25000
New Born Baby Cover From day 1 up to 90 days, limited to 10% of the Sum Insured
Daily Hospitalization Allowance SI Upto Rs. 5 Lacs Rs. 500 / day subject to a maximum of Rs. 5000 / policy period.SI >= 5Lac To 15 Lac Rs. 1000/day subject to a maximum of Rs. 10000 / policy period. SI> 15Lac to 25 Lac Rs. 2000 per day subject to a maximum of Rs. 20000 / policy period
Donor Expenses Covered.
No Claim Discount 5% every claim free year, maximum of 15%