Sum Insured
The Sum Insured options under this policy are Rs. 5,00,000/-, Rs. 7,50,000/- and Rs. 10,00,000/-.

In-Patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation
In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.

Post-Hospitalisation
Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered up to 2% of the basic Sum Insured per hospitalisation.

Road Ambulance
Ambulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered.

Room Rent
Room (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.

ICU Charges
ICU charges at actuals are covered under this policy.

Cataract Treatment
Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.

Modern Treatment
Modern treatment expenses are covered up to the limits mentioned in the policy clause.

Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Rehabilitation & Pain Management
Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or the maximum up to 10% of the basic Sum Insured, whichever is less, per policy period.

Hospice Care
For cancer patients with advanced life-limiting cancer, 20% of the Sum Insured is payable for compassionate care at Network Hospitals after the completion of 12 month waiting period.

Co-payment
If the insured person purchases or renews the policy at 61 years of age or above, then he/she is subjected to the co-payment of 10% for each and every claim amount.

Cumulative Bonus
Cumulative bonus is provided at 5% of the Sum Insured for each claim-free year subject to a maximum of 50% of the Sum Insured.  

Health Check-Up
Expenses incurred for health check-up are covered up to Rs. 2500/- for every claim-free year.
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