What is covered?

INCLUSIONS

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  Inpatient Treatment

  We cover room rent and nursing expenses for a minimum period of 24 hours.

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  Other Inpatient Expenses

  We cover medicines, diagnostic materials, X-ray, operation theatre costs, specialist fees, consultants, etc.

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  Pre-Hospitalisation

  We pay for all expenses for 60 days before hospitalisation.

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  Post-Hospitalisation

  Some illnesses will need treatment after hospitalisation. Our Health Suraksha policy covers all medical expenses up to 90 days after you’re discharged!

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  Ambulance Charges

  For Gold or Platinum Plan – Up to 2000 per hospitalization For Topaz or Ruby Plan – Up to ₹750/- per hospitalization and overall limit of ₹1500/- per policy period

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  Patient Care

  For Gold or Platinum Plan – Up to ₹500/- per day for those over 60 years For Topaz or Ruby Plan – Up to ₹350/- per day for those over 60 years

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  Cumulative Bonus

  10% for every claims free year to a maximum of 50% of the Sum Insured.

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  Hospital Cash

  Is available under Platinum or Ruby Plan only.

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  Accompanying Person

  We cover up to ₹500 per day for child up to 10 years

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  Accidental Hospitalisation

  You can enhance the limits by 25% of the sum insured on date up to maximum of ₹ 1 lakh

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  Organ Donor Expenses

  We will pay the reasonable and customary charges incurred for an organ donor’s treatment for the harvesting of the organ donated.

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  Recharge Benefit

  Recharge benefit is applicable for all plans, where the basic Sum Insured opted is 3 Lakhs and above. If the basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year subject to policy terms and conditions.