Coverage and Limits

Health Multiplier

Product Structure

Policy Tenure

1 year

Entry Age

Adult - 18 yrs to 65 yrs | Child - 91 days to 21 years


1A, 2A, 1A1C, 1A2C, 1A3C, 2A1C, 2A2C, 2A3C*
A- Adult, C- Child

Base Sum Insured

5 Lacs and 10 Lacs

Inpatient Care

Up to Base Sum Insured

Hospital accommodation- Room Rent/day

2% of Base Sum Insured

Hospital accommodation- ICU/day

Double of Room rent/day

Day Care Treatment

Listed Day Care Treatments covered up to Base Sum Insured

Pre - Hospitalisation Medical Expenses

For 30 days, Up to Base Sum Insured

Post- Hospitalisation Medical Expenses

For 60 days, Up to Base Sum Insured


Within Network Provider only

Inpatient Care under Alternative Treatment

Covered upto 20% of Base Sum Insured

Modern Treatments

Covered up to Sum Insured with sub-limits applicable on certain procedures#

Organ Transplant

Up to Base Sum Insured

Re-fill Benefit (Can be triggered only once in a year)

Reinstates 100% of Base Sum Insured. Applicable for different illness

Critical Illness Multiplier benefit (In case of Hospitalisation due to listed Critical Illness*)

3 times of the Base Sum Insured

Emergency Ground Ambulance- Within India
(one transfer per Hospitalisation)

Network Hospital: Rs. 3,000
Non-network Hospital: Rs. 3,000

Specific Disease waiting period

24 Months

Waiting period for Pre-Existing Diseases (PED)

36 months

Initial Waiting Period

30 days