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- Bill Payments
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- Money Transfer
- To Other Account
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- content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f?path=/Menu Icons/insure.svgINSURE
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- Activ Care Standard
Aditya Birla Activ Care Standard
Comprehensive range of cover for senior citizens across multiple sum insured upto 10 lakhs
586 Day care procedures covered
50% reload of Sum Insured once a year for subsequent claims due to unrelated illness
Cashless treatment at home for listed illnesses
No Claim Bonus(NCB) of 10% Sum insured for every claim-free year
Earn HealthReturnsTM upto 21% of your premium by earning Active Dayz and staying healthy. Active Dayz can be earned through plethora of options like running, walking, yoga and many more.
International and Domestic Emergency assistance services including air ambulance
Second E Opinion on major illnesses
Annual Health check-up
Health coaching session on better lifestyle management to take care of chronic conditions namely Asthma, Hypertension, Hyperlipidemia or Diabetes Mellitus.
Health and wellness discounts available on OPD consultations, Diagnostics and Pharmacy with our Network Service Providers
Range of comprehensive Optional Care Benefits like Nursing at Home, Lifestyle support equipment, Portable medical equipment and Advance Health Check-up
Range of optional covers like Room Upgrade and PPN (Preferred Provider Network) Discount (10% discount on premium for PPN )
Classic
Comprehensive range of cover for senior citizens across multiple sum insured upto 10 lakhs
586 Day care procedures covered
100% reload of Sum Insured once a year for subsequent claims due to unrelated illness
Domiciliary hospitalisation, organ donor expenses and AYUSH inpatient hospitalisation covered
Cashless treatment at home for listed illnesses
No Claim Bonus(NCB) of 10% Sum insured for every claim-free year
Earn HealthReturnsTM upto 21% of your premium by earning Active Dayz and staying healthy. Active Dayz can be earned through plethora of options like running, walking, yoga and many more
International and Domestic Emergency assistance services including air ambulance
Second E Opinion on major illnesses
Annual Health check-up
Health coaching session on better lifestyle management to take care of chronic conditions namely Asthma, Hypertension, Hyperlipidemia or Diabetes Mellitus.
Health coaching session for nutritional, medical and wellness counselling
Health and wellness discounts available on OPD consultations, Diagnostics and Pharmacy with our Network Service Providers
Range of comprehensive Optional Care Benefits like Nursing at Home, Lifestyle support equipment, Portable medical equipment and Advance Health Check-up
Range of optional covers like Room Upgrade and PPN (Preferred Provider Network) Discount (10% discount on premium for PPN)
Premier
Comprehensive range of cover for senior citizens across multiple sum insured upto 25 lakhs
586 Day care procedures covered
100% reload of Sum Insured once a year for subsequent claims due to unrelated illness
Domiciliary hospitalisation, organ donor expenses and AYUSH inpatient hospitalisation covered
Cashless treatment at home for listed illnesses
In-patient Mental Health Cover
OPD treatment cover for medical consultation and diagnostics tests
No Claim Bonus(NCB) of 10% Sum insured for every claim-free year
Earn HealthReturnsTM upto 21% of your premium by earning Active Dayz and staying healthy. Active Dayz can be earned through plethora of options like running, walking, yoga and many more
International and Domestic Emergency assistance services including air ambulance
Second E Opinion on major illnesses
Annual Health check-up
Health coaching session on better lifestyle management to take care of chronic conditions namely Asthma, Hypertension, Hyperlipidemia or Diabetes Mellitus.
Health coaching session for nutritional, medical and wellness counselling
Health and wellness discounts available on OPD consultations, Diagnostics and Pharmacy with our Network Service Providers
Range of comprehensive Optional Care Benefits like Nursing at Home, Lifestyle support equipment, Portable medical equipment and Advance Health Check-up
Range of optional covers like Room Upgrade and PPN (Preferred Provider Network) Discount (10% discount on premium for PPN)
Key Features
In-patient Hospitalization
In case of a hospitalization of more than 24 hours due to a planned treatment or an unforeseen emergency, we will cover expenses like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables under the policy as per your eligibility.
Product Name | Standard | Classic | Premier |
Sum Insured (S.I.) Options Rs. | 3L ,4L, 5L, 7.5L, 10L | 3L, 4L, 5L, 7.5L, 10L | 5L, 7.5L, 10L, 25L |
Basic Covers | |||
In-patient Hospitalisation | Covered | Covered | Covered |
Room Type | Shared Room | Shared Room | Single private AC room |
ICU | Covered upto S.I. | Covered upto S.I. | Covered upto S.I. |
Pre-hospitalization medical expenses
You may incur expenses as per your plan’s eligibility for consultations or diagnostic tests before your hospitalization, such costs will be covered up to 30 days before your hospitalization where a claim under In-patient hospitalisation / Domiciliary hospitalization / day care treatment is accepted.
Plan Name | Standard | Classic | Premier |
Pre – hospitalization Medical Expenses | 30 days (max 5% of total hospitalisation expenses combined for both pre and post hospitalisation) | 30 days | 30 days |
Post-hospitalization medical expenses
You may incur expenses as per your plan’s eligibility for medicines, diagnostic tests or physiotherapy such costs will be covered up to 60 days after your discharge from the hospital where a claim under In-patient hospitalisation / Domiciliary hospitalization / day care treatment is accepted.
Plan Name | Standard | Classic | Premier |
Post – hospitalization Medical Expenses | 60 days (max 5% of total hospitalisation expenses combined for both pre and post hospitalisation) | 60 days | 60 days |
Day care treatment
Due to advancements in medical science, certain medical procedures like a dialysis may not require a 24-hour hospitalization, we will cover you for such 586 procedures as well.
Plan Name | Standard | Classic | Premier |
Day Care Treatment | 586 Day care procedures covered | 586 Day care procedures covered | 586 Day care procedures covered |
Domiciliary Hospitalization
We will cover your medical expenses as per your plan’s eligibility in case you need to get treated at home, if your health condition did not allow hospital transfer as recommended by a doctor or due to unavailability of a bed at the hospital
Plan Name | Standard | Classic | Premier |
Domiciliary Hospitalization | Not Available | Covered up to 10% of S.I. | Covered upto S.I. |
Road Ambulance Cover
In case of an emergency, we will cover costs incurred on transportation to a hospital by a road ambulance as per your plan’s eligibility.
Plan Name | Standard | Classic | Premier |
Road Ambulance Cover | upto Rs.2000/ Hospitalisation | upto Rs.2000/ Hospitalisation | Network Providers - Covered upto Actual expenses |
Organ Donor Expenses
In case of organ transplants to you, we not only cover you, we also cover the medical expenses of the organ donor for harvesting the organ for your use, as per your plan’s eligibility.
Plan Name | Standard | Classic | Premier |
Organ Donor Expenses | Not Available | Covered upto 50% of S.I. | Covered upto S.I |
Reload of Sum Insured
In case the sum insured along with no claim bonus (if any) is insufficient as a result of previous claims in that policy year, then you get upto an additional 100% of sum insured as per your plan’s eligibility, for hospitalization due to an illness unrelated to previous claims in that policy year.
Plan Name | Standard | Classic | Premier |
Reload of Sum Insured | 50% of S.I. once per year | 100% of S.I. once per year | 100% of S.I. once per year |
AYUSH In-patient hospitalisation
We will pay you as per your plan’s eligibility, for medical expenses incurred by you towards your in-patient hospitalization under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Plan Name | Standard | Classic | Premier |
Ayush (In-patient Hospitalization) | Not Available | Covered upto 10% S.I. | Covered upto 25% S.I. |
Home Treatment
We shall cover the treatment expenses at your home for Illnesses such as chemotherapy, dengue, gastroenteritis, hepatitis on a cashless basis as per your plan’s eligibility
Plan Name | Standard | Classic | Premier |
Home Treatment | S.I. 3L , 4L - Rs.25000 | S.I. 3L , 4L - Rs.25000 | S.I. 5L and above - Rs.50000 |
Home Treatment : The limit specified in the benefit table is a per Policy Year Limit. Applicable on a floater basis for a floater policy and applicable per life basis for an Individual policy
We do not assume any liability towards any additional or incidental charges/expenses, including but not limited to any charges towards breakage, damage, deposit for equipment, and equipment transportation . All such charges/expenses shall be borne by the Insured Person
The maximum number of days , of covered services per Insured Person, for each Policy Year, covered under this section shall not exceed 15 days.
We do not assume any liability towards, and shall not be responsible for any actual or alleged errors, omissions or representations made by any Medical Practitioner and/or Network Service Provider / Empanelled Service Provider or in any service under this Benefit or for any consequences of actions taken or not taken in reliance thereon.
Home Treatment services are provided through Network Service Provider / Empanelled Service Provider in select cities for select treatment procedures only. Please contact Us or refer to Our website for updated list of treatment procedures and cities where Home Treatment service is provided.
No Claim Bonus
With our policy, you get benefits even if you do not claim. We will provide you with a No Claim Bonus which is 10% of Sum Insured for each year that you do not claim. Whenever there is a claim, No Claim Bonus reduces by the same rate at which it increased, which is 10% of Sum Insured. The Maximum limit for No Claim Bonus is 50% of Sum Insured.
Plan Name | Standard | Classic | Premier |
No Claim Bonus | 10% of the S.I. at each renewal in respect of each claim free year of insurance, subject to maximum of 50% | 10% of the S.I. at each renewal in respect of each claim free year of insurance, subject to maximum of 50% | 10% of the S.I. at each renewal in respect of each claim free year of insurance, subject to maximum of 50% |
Domestic / International Emergency Assistance Services (Including Air Ambulance)
We travel on work or sometimes to get away from our busy lives and sometimes we may end up going to places that are remote. In such cases where an adequate medical facility is not available and you need medical help, we will help you reach such a medical facility and then take you back to your home.-This service is available in all 3 plans
OPD treatment
We shall cover medically required consultations, visit(s) to a Medical Practitioner who is a qualified doctor and diagnostic tests which are incurred on an out-patient basis on cashless basis as per your plan’s eligibility.
Plan Name | Standard | Classic | Premier |
OPD Treatment | Not Available | Not Available | Available upto Rs 2500 over and above SI |
Health Assessment
We provide Health Assessment for each and every insured member once in a policy year on renewal of your policy
Plan Name | Standard | Classic | Premier |
Health Assessment | once a policy year | once a policy year | once a policy year |
List of tests |
MER including BP,BMI,HWR and smoking status |
Blood sugar |
Total Cholesterol |
Comprehensive Health Check-up
We provide Comprehensive Health Check-up for each and every insured member once in a policy year on renewal of your policy
Plan Name | Standard | Classic | Premier |
Comprehensive Health Check-up | Not available | once a policy year (only for SI 5L,7.5L & 10L) | once a policy year |
List of tests |
CBC |
C- reactive protein |
Hba1c |
Lipid Profile |
Liver profile |
Kidney profile |
Urine Routine |
PSA for Male |
ECG |
S Electrolytes |
Reference
CBC - Complete Blood Count
ECG – Electrocardiogram,
Hba1c - glycated haemoglobin test
PSA- Prostate-Specific Antigen
Health Coach
At times when we are suffering from any of the chronic conditions, a coaching session with a specialist may help. We give you a personalized coaching by a medical expert who will guide you through your health journey when you are suffering from Asthma, Hypertension, Hyperlipidemia or Diabetes mellitus. These coaching session shall be provided on telephonic discussion with You to help you become healthier version of yourself.
Plan Name | Standard | Classic | Premier |
Health Coach | Available (2 sessions per year) | Available (only for SI 3L & 4L) | Not available |
Personal Health Coach
At times when we are suffering from any of the chronic conditions, a coaching session with a specialist may help. We give you a personalized coaching by a medical expert who will guide you through your health journey when you are suffering from Asthma, Hypertension, Hyperlipidemia or Diabetes mellitus. You can also avail Health coaching session for nutritional, medical and wellness counselling. These coaching session shall be provided on telephonic discussion with You to help you become healthier version of yourself.
Plan Name | Standard | Classic | Premier |
Personal Health Coach | Not available | Available (SI 5L & above) | Available |
Difference between Personal Health Coach and Health Coach:
Coaching over phone call based service: Health Coach | Coaching over phone call based service: Personal Health Coach |
|
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Capping on coaching sessions as per Product Benefit Table/ Policy Schedule | No capping on coaching sessions |
HealthReturnsTM - Available in all 3 Plans
Earn HealthReturnsTM upto 21% of your premium by earning Active Dayz and staying healthy. You can start earning HealthReturnsTM by completing the following steps
Complete a health assessment which as a result provides you a healthy heart score
Start exercising to earn Activ Dayz. Active Dayz can be earned through plethora of options like running, walking, yoga and many more
Earn HealthReturns monthly based on the accumulated Activ DayzTM and your Healthy Heart Score.
Earn HealthReturnsTM by talking to your Health Coach/Personal Health Coach
Grid:
7500 steps daily | Healthy Heart Score™ | ||||
No of Active DayzTM in a calendar month | OR | Fitness Assessment Result* | Red | Amber | Green |
13 or more | Level 5 | 5.00% | 10.00% | 20.00% | |
10 – 12 | Level 4 | 3.00% | 6.00% | 12.00% | |
07—09 | Level 3 | 2.00% | 4.00% | 8.00% | |
4 – 6 | Level 2 | 1.00% | 2.00% | 4.00% | |
0 – 3 | Level 1 | 0.00% | 0.00% | 0.00% |
In order to achieve a particular level of HealthReturns™ the Insured Person must achieve either the required number of Active Dayz™ or achieve a level (as shown in table above) under Fitness Assessment.
The grid above is calculated on the Monthly Premium. The Insured Person can earn up to 20% of their Monthly Premium as HealthReturnsTM based on the grid above.
All Insured Person(s) in the Policy will be credited with an additional 1% HealthReturnsTM annually on successful completion of following conditions
- Successful completion Health AssessmentTM (in case of Standard Plan)/ Comprehensive Health Check-up(in case of Classic and Premier plan) as specified in the Policy Schedule / Product benefit Table and successful generation of Healthy Heart Score TM.
- First Successful interaction in a Policy Year with Health Coach / Personal Health Coach as specified in the Policy Schedule / Product benefit Table.
How it works for an Individual Policy
In case of an Individual Policy, each Insured Person would be tracked separately and shall earn HealthReturnsTM based on individual performance as per grid of Healthy Heart ScoreTM and Active DayzTM.
How it works for a Family Floater Policy
In case of a Family Floater Policy, each Insured Person would be tracked separately and shall earn HealthReturnsTM based on individual performance as per grid of Healthy Heart ScoreTM and Active DayzTM. For the purpose of calculating HealthReturnsTM, We will allocate the overall premium to the adults in the Policy. Weightages for allowed family combinations are as described in the table below.
Family size
Weightage
Self and Spouse
1:1
Earned HealthReturns can be utilized by any covered Insured Person under a Policy.
How can one spend HealthReturnsTM:
Funds under HealthReturnsTM may be utilized towards the following expenses:
In-patient Medical Expenses and Day Care Treatment, provided that the Sum Insured, No Claim Bonus (if any) and Reloaded Sum Insured (if any) are exhausted during the Policy Year as specified in section C(Y) .
Payment of Co-payment (wherever applicable).
For non-payable claims, in case of an In-patient Hospitalization or Day Care Treatment.
Non-Medical Expenses listed in Annexure I ‘Non-Medical Expenses’ that would not otherwise be payable under the Policy.
Out-patient expenses up to the value of accrued funds.
Ayush Treatments in excess of the limits as specified in Policy Schedule / Product Benefit Table of this Policy.
Alternatively, funds can also be utilized to pay Renewal Premium. Funds earned as HealthReturnsTM, once earned can be carried forward each month/ each Policy Year (as applicable) and as long as the Policy is Renewed with Us in accordance with the Renewal Terms under the Policy.
Permanent Exclusions and Waiting Periods do not apply under this Benefit.
The claim for accumulated HealthReturnsTM can be made a maximum 4 times in a Policy Year. If You /Insured Person wish to know the present value of the funds earned as HealthReturnsTM, then You may contact Us at our toll free number or through Our website.
Second E-Opinion on major Illness- -Available in all 3 Plans
When it comes to detection of a major illnesses such a cancer, kidney failure or heart attack, then a second opinion is always helpful. We understand that and provide you with a second e-opinion through a consortium of well qualified specialists. The service is available once per policy year
Health and Wellness discount- -Available in all 3 Plans
You get discounts on the OPD consultations, Diagnostics and Pharmacy offered through our Network Service Providers and / or Empanelled Service Providers
Optional Care Benefits:
Nursing at Home
We Cover expenses of qualified nurse at home as per written recommendation of your doctor subsequent to hospitalisation.
Plan Name | Standard | Classic | Premier |
Nursing at Home | Qualified nurse (maximum upto Rs 1500/day for 15 days per policy year) | Qualified nurse (maximum upto Rs 1500/day for 15 days per policy year) | Qualified nurse (maximum upto Rs 1500/day for 15 days per policy year) |
Nursing at Home : The limit specified in the benefit table is a per Policy Year Limit. Applicable on a floater basis for a floater policy and applicable per life basis for an Individual policy
Lifestyle support equipment
We Cover expenses of Lifestyle support equipment like ICU bed, wheelchair, walker, belts, collars etc as per written recommendation of your doctor subsequent to hospitalisation.
Plan Name | Standard | Classic | Premier |
Lifestyle support equipment | Available As specified in Appendix 1 | Available As specified in Appendix 1 | Available As specified in Appendix 1 |
2 | Lifestyle support equipment | |||||||
a | Equipment on Rental basis | Limit per Event Rs. (Maximum upto 30 days of usage rentals) | Policy year limit for Floater/ Policy year limit per life for Multi individual (Rs.) | |||||
1 | Backrest cot/Semi fowler Bed | 3000 | 5000 | |||||
2 | Full Fowler Bed | 3000 | ||||||
3 | Air bed - Tubular | 3000 | ||||||
4 | Wheel Chair | 2000 | ||||||
b | Equipment on Rental basis | Limit per Event Rs. (Maximum upto 30 days of usage rentals) | ||||||
1 | Arjo Huntleigh- Nimbus mattress | 15000 | 15000 | |||||
2 | ICU Bed | 7000 | ||||||
c | Equipment / Prosthetics Limit (Non Rental, Purchase basis) | Limit per Event Upto Rs. | Policy year limit for Floater/ Policy year limit per life for Multi individual (Rs.) | |||||
1 | Walker | 1500 | 3500 | |||||
2 | Belts | 500 | ||||||
3 | Collar | 250 | ||||||
4 | Caps | 250 | ||||||
5 | Splints | 250 | ||||||
6 | Braces | 1000 | ||||||
7 | Stockings | 1000 | ||||||
8 | Crutches | 1200 | ||||||
9 | Commode Chair | 1500 | ||||||
10 | Grab Bar | 1500 |
These services can be availed at Our Network Provider / Empanelled Service Providers on a Cashless basis, where available.
We do not assume any liability towards any loss or damage arising out of or in relation to any equipment or service, provided by Our Network Provider / Empanelled Service Providers.
We do not assume any liability towards any additional or incidental charges/expenses, including but not limited to breakage, damage, deposit for equipment, and equipment transportation . All such charges/expenses shall be borne by the Insured Person.
Waiting periods as per Section C(B)(i), C(B)(ii) and C(B)(iii) applicable from the inception of the start of this optional benefit being opted initially.
Documents to be submitted for any Claim under this Benefit:
Following necessary information and documentation shall be submitted to Us immediately and in any event within 30 days of the event giving rise to the Claim under this Benefit:
Discharge summary of the Hospital furnishing details including the date of admission and date of discharge.
Medical advice of medical practitioner furnishing the requirement of the lifestyle support equipment as mentioned in this section.
Pre Authorization & Claim form dully Filled & signed by the insured for Cashless & Re-imbursement Claims respectively
Original invoice with payment receipt for all lifestyle support equipment’s used under this benefit
Portable medical equipment
We Cover expenses of Portable medical equipments like oxygen cylinders, ventilators, CPAP etc as per written recommendation of your doctor subsequent to hospitalisation.
Plan Name | Standard | Classic | Premier |
Portable medical equipment | Available As specified in Appendix 1 | Available As specified in Appendix 1 | Available As specified in Appendix 1 |
3 | Portable medical equipment | |||||
a | Equipment on Rental basis | Limit per Event Rs. (Maximum upto 15 days of usage rentals) | Policy year limit for Floater/ Policy year limit per life for Multi individual (Rs.) | |||
1 | Oxygen Concentrator | 3000 | 5000 | |||
2 | Oxygen Cylinder | 1500 | ||||
3 | CPAP | 3500 | ||||
4 | Bi-Level PAPs / Non Invasive Ventilators | 5000 | ||||
5 | Suction Apparatus | 1000 | ||||
6 | Multipara monitor | 3500 | ||||
b | Equipment on Rental basis | Limit per Event Rs. (Maximum upto 15 days of usage rentals) | Policy year limit for Floater/ Policy year limit per life for Multi individual (Rs.) | |||
1 | Ventilators | 20000 | 20000 |
These services can be availed at Our Network Provider / Empanelled Service Providers on a Cashless basis, where available.
We do not assume any liability towards any loss or damage arising out of or in relation to any equipment or service, provided by Our Network Provider / Empanelled Service Providers.
We do not assume any liability towards any additional or incidental charges/expenses, including but not limited to breakage, damage, deposit for equipment, and equipment transportation . All such charges/expenses shall be borne by the Insured Person.
Waiting periods as per Section C(B)(i), C(B)(ii) and C(B)(iii) applicable from the inception of the start of this Optional Benefit being opted initially.
Documents to be submitted for any Claim under this Benefit:
Following necessary information and documentation shall be submitted to Us immediately and in any event within 30 days of the event giving rise to the Claim under this Benefit:
Discharge summary of the Hospital furnishing details including the date of admission and date of discharge.
Medical advice of medical practitioner furnishing the requirement of the listed portable medical equipment.
Pre Authorization & Claim form dully Filled & signed by the insured for Cashless & Re-imbursement Claims respectively
Original invoice with payment receipt for all portable medical equipment’s used under this Benefit.
Advance Health Check-up
We provide advance diagnostic tests like Thyroid function tests, mammography, abdomen sonography etc for each and every insured member once in a policy year
Plan Name | Standard | Classic | Premier |
Advance Health Check-up | Available | Available | Available |
List of tests |
Mammography |
PAP smear |
Thyroid function test |
TMT (2 D Echo if customer is not able to walk in tread mill) |
Chest X ray |
Sonography Abdomen |
ENT check up |
OPG (Dental x ray) |
Vitamin D |
Vitamin B12 |
Calcium |
Reference
PAP- Papanicolaou
2D ECHO - Two-Dimensional Echocardiography
TMT – Tread Mill Test
ENT – Ear Nose Throat
OPG - Orthopantomogram
Optional Covers:
Room Upgrade
You have the option to upgrade to a higher category of hospital room as per your plan’s eligibility.
Plan Name | Standard | Classic | Premier |
Room Upgrade | From shared to single private A.C room | From shared to single private A.C room | From single private AC room to any room except suite & above |
Co-payment
Standard and Classic : 20% co pay for all Inpatient Hospitalisation, Domiciliary, Ayush, Home Treatment and Day care claims
Premier : 10% co pay for all Inpatient Hospitalisation, Domiciliary, Ayush, Home Treatment and Day care claims
1 | Disease specific policy year co payment for hospitalisation | Premier Plan |
a | Cataract/ glaucoma (per eye) | 20% co-payment with no additional policy level co pay |
b | Cerebrovascular accident | |
c | cardiovascular disease | |
d | Cancer | |
e | Treatment for Breakage of Bones | |
f | Acute/Chronic renal failure | |
g | All other major surgeries (as listed below) | |
g.i | Intestinal Obstruction – Acute / Sub Acute / Chronic | |
g.ii | Hepatobiliary Pancreatic Surgery | |
g.iii | Gastro Intestinal Surgeries (Excluding cancer) | |
g.iv | All Joint Replacement Surgery | |
g.v | Hemi Ortho Plasty Surgeries | |
g.vi | Surgery Related to Genito Urinary tract (Excluding cancer) | |
g.vii | Surgery Related to Reproductive Tract (Excluding cancer) |
In case a Sub-Limit is applicable along with Co-Payment as specified in the Policy Schedule/ Product Benefit Table, the claim payout would be adjudicated in following sequence:
Step 1: Co-payment would be first applied on the total admissible claim amount.
Step 2: Sub-Limit shall be applied on the amount arrived from the Step 1
Sub limits:
Standard Plan : Cataract (per eye): upto Rs 25000
Sublimit for listed illnesses at policy level | Standard | Classic | Premier | |
1 | Alzheimer's disease | Rs 3000 | Rs 5000 | Rs 25000 |
2 | Anterograde amnesia | |||
3 | Anxiety disorder | |||
4 | Bipolar disorder | |||
5 | Huntington's disease | |||
6 | Obsessive-compulsive disorder (OCD) | |||
7 | Panic disorder | |||
8 | Psychosis | |||
9 | Retrograde amnesia | |||
10 | Schizophrenia | |||
11 | Other Mental Illnesses |
Waiting Period
initial waiting period (not applicable in case of accident and subsequent renewal) : 30 days for all plans |
24 months Specific illness waiting period applicable for Classic Plan and Premier Plan |
Pre - Existing Illness waiting period: 24 months (For all Plans) |
Location present for cashless options in care benefits:
Portable Medical Equipment | Bangalore, Chandigarh, Delhi, Ghaziabad, Gurgaon, Hyderabad, Jaipur, Kolkata, Lucknow, Mumbai, Noida, Pune, Faridabad |
Nursing At Home | Bangalore, Chandigarh, Delhi, Ghaziabad, Gurgaon, Hyderabad, Jaipur, Kolkata, Lucknow, Mumbai, Noida, Pune, Faridabad |
Lifestyle Support Equipment | Bangalore, Chandigarh, Delhi, Ghaziabad, Gurgaon, Hyderabad, Jaipur, Kolkata, Lucknow, Mumbai, Noida, Pune, Faridabad |
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