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Covers

In-patient Expenses

3 Lacs

5/10 Lacs

15/25 Lacs

Life Long Renewability

Y

Y

Y

Specific Disease waiting Period

2 Years

2 Years

2 Years

Pre-existing Disease Waiting Period

3 Years

2 Years

2 Years

Room Rent (Normal)

2%

No Limit

No Limit

Room Rent (ICU)

4%

No Limit

No Limit

Co-Payment

10%

Not Applicable

Not Applicable

Sub-limit

No Limit

No Limit

No Limit

Pre/Post Hospitalization Expenses

30/60

60/90

90/180

Surface Ambulance Cost

1,500

5,000

Covered up to In-patient Sum Insured

Domestic Air Ambulance

N

N

2,00,000

Day Care Treatment Expenses

Y

Y

Y

Organ Donor

Expenses

Y

Y

Y

AYUSH Treatment (Day Care & In-patient)

25,000

25,000

25,000

Bonus (Upon No Claim) - Age at the inception of the 1st Policy year < 45 years

50% of Policy Sum Insured (Subjected to max. 100% of initial Policy Sum Insured)

50% of Policy Sum Insured (Subjected to max. 100% of initial Policy Sum Insured)

50% of Policy Sum Insured (Subjected to max. 100% of initial Policy Sum Insured)

Bonus (Upon No Claim) - Age at the inception of the 1st Policy year > 45 years and < 65 years

20% of Policy Sum Insured (Subjected to max. 100% of initial Policy Sum Insured)

20% of Policy Sum Insured (Subjected to max. 100% of initial Policy Sum Insured)

20% of Policy Sum Insured (Subjected to max. 100% of initial Policy Sum Insured)

Corporate Floater

(Reload of Sum Insured)

N

For unrelated illness

up to 100%

For unrelated illness

up to 100%

Portability

Allowed within same company to retail policy