Features

Coverage

Eligibility


  • Entry Age And Family Coverage

The entry age for adults under this policy is from 18 to 65 years. The entry age for dependent children is from 91 days to 25 years.


The policy can be taken individually or for the family. The family floater policy is available in any of the following combinations:

  • 1 Adult + 1 Child

  • 1 Adult + 2 Children

  • 1 Adult + 3 Children

  • 1 Adult + 4 Children

  • 2 Adults

  • 2 Adults + 1 Child

  • 2 Adults + 2 Children

  • 2 Adults + 3 Children

  • 2 Adults + 4 Children


Policy Term

The default policy term for all plans is one year. Two-year and three-year policy term options are also available under the product. The level of discount is as below:

  • 2 year term: 7.5% on the premium for second policy year

  • 3 year term: 15% on the premium for third policy year + 7.5% on the premium for second policy year


Waiting Periods

  • Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal

  • Initial waiting period of 30 days unless the treatment needed is the result of an accident.

  • Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)

  • Please note that Waiting Periods shall not apply to e-consultation and Personal Accident Cover. For Critical Illness Cover, initial waiting period of 90 days and pre-existing disease waiting period of 48 months will apply.

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

Exclusions