Features

Coverage

Policy Terms


The policy term is one or two or three years. A discount of 7.5% on second year premium and 15% on third year premium shall be provided if in case 2 or 3 year policy term is opted.


Waiting Periods

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  • Pre-existing disease waiting period of 48 months since inception of the policy and continuous renewal. For Critical Illness cover, pre-existing disease waiting period would be 48 months.

  • Initial waiting period of 30 days unless the treatment needed is the result of an Accident. For Critical Illness cover, initial waiting period would be 90 days.

  • Specific waiting period of 24 months, since the inception of the first policy with us, for some listed illnesses, unless the condition is directly caused by Accident (covered from day 1).

  • Please note that waiting periods shall not apply to Pharmacy and Diagnostic Services and optional benefit (if opted for) such as Personal Accident Cover, Critical Illness Cover and e-Consultation.

  • Please do read more about the common exclusions in the policy terms & conditions.

Exclusion