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APOLLO MUNICH OPTIMA RESTORE
PLAN NAME SALIENT FEATURES BROCHURE APPLY
APOLLO MUNICH OPTIMA RESTORE
  • 50% No Claim Bonus for two claim free years
  • 100% Sum Assured Restoration
brochure
Min Entry Age 91 days. Children between 91 days and 5 years can be insured if both parents are getting insured in this policy
Max Entry Age 65 years
Max Policy Renewal Age No Limit
Policy Term 1 or 2 years
Sum Assured Options 3/5/10/15/20/25/50 Lacs
Premium Payment Options 1 or 2 Year
In-patient Treatment Covered
Day-Care Procedures All day care procedures covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Relevant medical expenses covered for 60 days prior hospitalisation
Post hospitalisation medical expenses covered for 180 days immediately after discharge from hospital
Emergency Ambulance Up to Rs 2,000 per hospitalisation
Health Check-up Upto 1% of sum insured for Rs 20/25/50 Lacs. Subject to maximum of Rs. 10,000/- per insured person, once at the end of a block of continous two policy years.
Maternity Expenses Not Available
Ayush Benefit Not Available
No Claim Bonus Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%. In case of claim, bonus will be reduced by 50% of the basic sum insured However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy.
Restore Benefit Equal to 100% of Basic Sum Insured, Restore benefit automatically reinstates the basic sum insured in case you exhaust it in a policy year
Cashless facility Available at empanelled hospitals in India.
Re-imbursement In case policyholder opts for non empanelled hosiptal.
Co-Pay Not Applicable
Claim Based Loading No Claim based loading on renewal premium
Renewal Premium Discount Premium discount of 7.5% on advance premium payment for 2 year policy term
Family Premium Discount Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual Sum Assured Plan
Tax Benefit on Investment Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Riders None
Pre Policy Medical CheckUp Mandatory above age 45, May be required at discretion of insurance company; 50% of the expenses incurred will be reimbursed on acceptance of proposal
Pre-existing disease Pre-existing Diseases will be covered after a waiting period of 36 months
Waiting Period 24 months for specific illnesses and treatments
No claim period Any disease contracted during the first 30 days of commencement of the policy except for accidental emergency
General exclusions Non allopathic treatment.AIDS or any related illness will not be coveredTreatment of any mental or related disease is also excluded.
Grace Period 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros Sum Assured restoration, 50% No Claim Bonus, Lifelong Renewal, No Sub Limits, No claim based loading on premium
Cons Sum Assured restored only once in a policy year, No critical Illness rider

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APOLLO MUNICH MAXIMA
PLAN NAME SALIENT FEATURES BROCHURE APPLY
APOLLO MUNICH MAXIMA
  • Covers Out Patient Expenses
  • Rs.3 Lac In Patient Coverage
brochure
Min Entry Age 91 days
Max Entry Age 65 yrs
Max Policy Renewal Age No Limit, 70 yrs for Critical Illness Rider
Policy Term 1 Year
Sum Assured Options 3 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered upto Rs. 3 Lacs
Day-Care Procedures 140 day care procedures covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation 30 days coverage prior to date of hospitalisation
Post hospitalisation 60 days coverage immediately after date of discharge from hospital
Emergency Ambulance Coverage of Rs. 2000 per hospitalisation
Health Check-up Annual Health check up in network hospitals
Maternity Expenses Covered with waiting period of 4 years
Ayush Benefit Not Covered
No Claim Bonus 10% No Claim Bonus on In Patient Benefit for every claim free year, max. upto 50%
Restore Benefit Not Available
Cashless facility Available in network hospitals
Re-imbursement Available for non network hospitals
Co-Pay No Applicable
Claim Based Loading Not Applicable
Renewal Premium Discount Not Applicable
Family Premium Discount Not Applicable
Tax Benefit on Investment Available under section 80D of Income Tax Act
Riders Critical Illness Rider(Optional)
Pre Policy Medical CheckUp Required at age 46 and above
Pre-existing disease covered after 3 continuos policy years
Waiting Period No waiting period for OPD benefits, 2 year exclusion for specific diseases like stone, hernia, cataract etc.
No claim period First 30 days except for accidental injury
General exclusions No exclusions for OPD benefits, HIV/AIDS, Non Allopathic treatment, Abuse of drugs/intoxication
Grace Period 30 Days
Policy Termination 15 days free look period from the date of receiving of policy document
Doctor Consultations (OPD) 4 consultations
Reimbursement (OPD) Upto Rs.5000 per year
Annual Health CheckUp (OPD) 1 entitlement each year
Pros Covers OPD Expenses & In Patient Expenses. Medicines and Consultation for Pre-existing diseases covered without any waiting period
Cons In Patient coverage limited to Rs. 3 Lacs

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APOLLO MUNICH EASY HEALTH-STANDARD
PLAN NAME SLLIENT FEATURES BROCHURE APPLY
APOLLO MUNICH EASY HEALTH-STANDARD
  • 10% No Claim Bonus for each claim free year
  • No Sub limits on room rent etc.
brochure
Min Entry Age 5 years, 91 days if either parent is covered
Max Entry Age 65 years
Max Policy Renewal Age No Limit
Policy Term 1 or 2 years
Sum Assured Options 1/2/3/4/5 Lacs
Premium Payment Options 1 or 2 years
In-patient Treatment Covered
Day-Care Procedures 144 day care procedures are covered which do not require 24 hr hospitalisation
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses incurred due to illness during the 60 days immediately before hospitalisation
Post hospitalisation Medical expenses incurred during the 90 days immediately after discharge from hospital
Emergency Ambulance Up to Rs 2,000 per hospitalisation
Health Check-up Upto 1% of Sum Insured per Insured Person, only once at the end of a block of every continuous 4 years
Maternity Expenses Not Covered
Ayush Benefit Covered upto Rs.20,000
No Claim Bonus 10% increase in your annual inpatient benefit sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year
Restore Benefit Not Available
Cashless facility Available at empanelled hospitals in India
Re-imbursement In case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records
Co-Pay Not Applicable
Claim Based Loading No claim based loading
Renewal Premium Discount Renewal discount of 7.5% on advance premium payment for 2 year policy term
Family Premium Discount A family discount of 5% if 2 family members are covered and 10% is offered if 3 or more family members are covered under the same policy
Tax Benefit on Investment Tax Benefit under section 80D of Income Tax Act
Riders Critical Illness Rider(Optional)
Pre Policy Medical CheckUp Mandatory for individuals above 45 age
Pre-existing disease Any pre-existing condition will be covered after a waiting period of 3 years
Waiting Period 2 years waiting period for specific diseases like cataract, hernia, joint replacement.Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 days consecutive days.
No claim period All treatments within the first 30 days of cover except any accidental injury
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease.
Grace Period 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded
Doctor Consultations (OPD) Not covered
Reimbursement (OPD)
Annual Health CheckUp (OPD) N.A.
Pros No Sublimits, Lifelong renewal, 10% No Claim Bonus for each claim free year, upto 10% family discount on premium
Cons Sum assured starts from 2 Lacs onwards

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APOLLO MUNICH EASY HEALTH-PREMIUM
PLAN NAME SLLIENT FEATURES BROCHURE APPLY
APOLLO MUNICH EASY HEALTH-PREMIUM
  • No Sub limits on room rent etc.
  • Maternity coverage after waiting period of 4/6
brochure
Min Entry Age 5 years, 91 days if either parent is covered
Max Entry Age 65 years
Max Policy Renewal Age No Limit
Policy Term 1 or 2 years
Sum Assured Options 4/5/7.5/10/15/20/25/50 Lacs
Premium Payment Options 1 or 2 years
In-patient Treatment Covered
Day-Care Procedures 144 day care procedures are covered which do not require 24 hr hospitalisation
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses incurred due to illness during the 60 days immediately before hospitalisation
Post hospitalisation Medical expenses incurred during the 90 days immediately after discharge from hospital
Emergency Ambulance Up to Rs 2,000 per hospitalisation
Health Check-up Upto 1% of Sum Insured per Insured Person, only once at the end of a block of every continuous 2 years
Maternity Expenses Waiting period of 6 years for sum assured 4/5/7.5/10 Lacs, Waiting period of 4 years for sum assured 15/20/25/50 Lacs. Refer Policy Wording.
Ayush Benefit Upto Rs.25,000 for sum assured 4/5/7.5/10 Lacs. Upto Rs. 50,000 for sum assured 15/20/25/50 Lacs.
No Claim Bonus 10% increase in your annual inpatient benefit sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year
Restore Benefit Not Available
Cashless facility Available at empanelled hospitals in India
Re-imbursement In case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records
Co-Pay Not Applicable
Claim Based Loading No claim based loading
Renewal Premium Discount Renewal discount of 7.5% on advance premium payment for 2 year policy term
Family Premium Discount A family discount of 5% if 2 family members are covered and 10% is offered if 3 or more family members are covered under the same policy
Tax Benefit on Investment Tax Benefit under section 80D of Income Tax Act
Riders Optional Critical Illness cover
Pre Policy Medical CheckUp Mandatory for sum insured above 5 lacs and for individuals above 45 age
Pre-existing disease Any pre-existing condition will be covered after a waiting period of 3 years
Waiting Period 2 years waiting period for specific diseases like cataract, hernia, joint replacement.Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 days consecutive days.
No claim period All treatments within the first 30 days of cover except any accidental injury
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease.
Grace Period 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded
Doctor Consultations (OPD) Waiting period of 3 years for outpatient dental treatment. Refer Policy Wording.
Reimbursement (OPD) $nbsp;
Annual Health CheckUp (OPD) N.A.
Pros No Sublimits, Lifelong renewal, 10% No Claim Bonus for each claim free year, upto 10% family discount on premium
Cons Sum Assured restoration not available

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policyPolicy Wordings
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APOLLO MUNICH EASY HEALTH-EXCLUSIVE
PLAN NAME SLLIENT FEATURES BROCHURE APPLY
APOLLO MUNICH EASY HEALTH-EXCLUSIVE
  • 10% No Claim Bonus for each claim free year
  • Covers Parents and In-Laws in same policy
brochure
Min Entry Age 5 years, 91 days if either parent is covered
Max Entry Age 65 years
Max Policy Renewal Age No Limit
Policy Term 1 or 2 years
Sum Assured Options 3/4/5/7.5/10/15/20/25/50 Lacs
Premium Payment Options 1 or 2 Years
In-patient Treatment Covered
Day-Care Procedures 144 day care procedures are covered which do not require 24 hr hospitalisation
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses incurred due to illness during the 60 days immediately before hospitalisation
Post hospitalisation Medical expenses incurred during the 90 days immediately after discharge from hospital
Emergency Ambulance Up to Rs 2,000 per hospitalisation
Health Check-up Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous 3 years
Maternity Expenses Waiting period of 6 years for sum assured 3/4/5/7.75/10 Lacs, waiting period of 4 years for sum insured 15/20/25/50 Lacs. Refer Policy Wording.
Ayush Benefit Upto Rs.25,000 for sum insured Rs.7.5/10 Lacs. Upto Rs. 50.000/- for sum insured Rs.15/20/25/50 Lacs
No Claim Bonus 10% increase in your annual inpatient benefit sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year
Restore Benefit Not Available
Cashless facility Available at empanelled hospitals in India
Re-imbursement In case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records
Co-Pay Not Applicable
Claim Based Loading No claim based loading
Renewal Premium Discount Renewal discount of 7.5% on advance premium payment for 2 year policy term
Family Premium Discount A family discount of 5% if 2 family members are covered and 10% is offered if 3 or more family members are covered under the same policy
Tax Benefit on Investment Tax Benefit under section 80D of Income Tax Act
Riders Optional Critical Illness cover
Pre Policy Medical CheckUp Mandatory for isum insured above Rs. 5 lacs or ndividuals above 45 age
Pre-existing disease Any pre-existing condition will be covered after a waiting period of 3 years
Waiting Period 2 years waiting period for specific diseases like cataract, hernia, joint replacement.Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 days consecutive days.
No claim period All treatments within the first 30 days of cover except any accidental injury
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease.
Grace Period 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded
Doctor Consultations (OPD) Not covered
Reimbursement (OPD)
Annual Health CheckUp (OPD) N.A.
Pros No Sublimits, Lifelong renewal, 10% No Claim Bonus for each claim free year, upto 10% family discount on premium
Cons Entry limited upto age 65

chartPremium Chart
policyPolicy Wordings
formApplication Form
MAX BUPA HEALTH ASSURANCE
PLAN NAME SALIENT FEATURES BROCHURE APPLY
MAX BUPA HEALTH ASSURANCE brochure

chartPremium Chart
policyPolicy Wordings
formApplication Form
PLAN NAME SALIENT FEATURES BROCHURE APPLY
Max Bupa Heart Beat
  • Free Health Check Up
  • Maternity Benefit
brochure
Min Entry Age No age Limit
Max Entry Age No age Limit
Max Policy Renewal Age Life long renewal
Policy Term 1 & 2 years
Sum Assured Options 3/5/7/10/15/20/25/50 Lacs
Premium Payment Options 1 & 2years
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Relevant medical expenses covered for 30 days prior hospitalization
Post hospitalisation medical expenses covered for 60 days immediately after discharge from hospital
Emergency Ambulance Up to Rs.3,000 per hospitalization
Health Check-up Yes
Maternity Expenses Yes, after 24 months
Ayush Benefit Yes
Loyalty Bonus Bonus of 10% of the Basic Sum Insured for 5 years, maximum upto 50% of basic Sum assured or 10% cash back of annul premium.
Recharge Benefit No
Cashless facility Available at empaneled hospitals in India.
Re-imbursement In case policyholder opts for non-empaneled hospital.
Co-Pay Not Applicable if the customer enters in the plan before the age of 65 Years.
Claim Based Loading No Claim based loading on renewal premium
Renewal Premium Discount Premium discount of upto 12% on advance premium payment for 2 years policy term.
Family Premium Discount Not Applicable
Tax Benefit on Investment Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Riders None
Pre Policy Medical CheckUp Mandatory above age 45, May be required at discretion of insurance company; Medical expenses are borne by the company.
Pre-existing disease Pre-existing Diseases will be covered after a waiting period of 24 & 48 months
Waiting Period 90 days for specific illnesses and treatments
No claim period Any disease contracted during the first 90 days of commencement of the policy except for accidental &emergency.
General exclusions AIDS or any related illness will not be covered. Treatment of any mental or related disease is also excluded.
Grace Period 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Doctor Consultations (OPD) -
Reimbursement (OPD) -
Annual Health CheckUp (OPD) -
Pros Lifelong Renewal, No Sub Limits, Yearly Health Check Up, No claim based loading on premium, Maternity Cover, Short waiting period.
Cons No Sum Assured restoration, No critical Illness rider, only 50% No claim bonus.
MAX BUPA HEALTH COMPANION HEALTH INSURANCE PLAN
PLAN NAME SLLIENT FEATURES BROCHURE APPLY
MAX BUPA HEALTH COMPANION HEALTH INSURANCE PLAN brochure

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formApplication Form
PLAN NAME SALIENT FEATURES BROCHURE APPLY
Max Bupa Health Companion
  • Free Health Check Up
  • Recharge Benefit
  • Upto 100% No Claim Bonus
brochure
Min Entry Age 91 days. Children between 91 days and 5 years can be insured if both parents are getting insured in this policy
Max Entry Age No age Limit
Max Policy Renewal Age Life long renewal
Policy Term 1 & 2 years
Sum Assured Options 3/4/5/7.5/10/12.5/15/20/30/50/100 Lacs
Premium Payment Options 1 & 2years
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Relevant medical expenses covered for 30 days prior hospitalization
Post hospitalisation medical expenses covered for 60 days immediately after discharge from hospital
Emergency Ambulance Up to Rs.3,000 per hospitalization
Health Check-up Yes
Maternity Expenses No
Ayush Benefit Yes
Loyalty Bonus Bonus of 20% of the Basic Sum Insured for 5 years, maximum upto 100% of basic Sum assured.
Recharge Benefit Yes, upto 100% of basic sum assured
Cashless facility Available at empaneled hospitals in India.
Re-imbursement In case policyholder opts for non-empaneledhospital.
Co-Pay Not Applicable
Claim Based Loading No Claim based loading on renewal premium
Renewal Premium Discount Premium discount of upto 12% on advance premium payment for 2 years policy term.
Family Premium Discount Not Applicable
Tax Benefit on Investment Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Riders None
Pre Policy Medical CheckUp Mandatory above age 45, May be required at discretion of insurance company; Medical expenses are borne by the company.
Pre-existing disease Pre-existing Diseases will be covered after a waiting period of 36 &48 months
Waiting Period 24 months for specific illnesses and treatments
No claim period Any disease contracted during the first 30 days of commencement of the policy except for accidental&emergency.
General exclusions Maternity, AIDS or any related illness will not be covered. Treatment of any mental or related disease is also excluded.
Grace Period 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Doctor Consultations (OPD) -
Reimbursement (OPD) -
Annual Health CheckUp (OPD) Yes
Pros Lifelong Renewal, No Sub Limits, Yearly Health Check Up, No claim based loading on premium, Upto 100% NCB
Cons No critical Illness rider, No Maternity Cover
MAX BUPA HEART BEAT HEALTH INSURANCE PLAN
PLAN NAME SLLIENT FEATURES BROCHURE APPLY
MAX BUPA HEART BEAT HEALTH INSURANCE PLAN brochure

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policyPolicy Wordings
formApplication Form
PLAN NAME SALIENT FEATURES BROCHURE APPLY
Max Bupa Heart Beat Family First
  • Free Health Check Up
  • Maternity Benefit
  • Extended Family Cover
brochure
Min Entry Age No age Limit
Max Entry Age No age Limit
Max Policy Renewal Age Life long renewal
Policy Term 1 & 2 years
Sum Assured Options Individual SA -1/2/3/4/5/10/15 Lacs
Floater S A -3/4/5/10/15/20/30/50 Lacs
Premium Payment Options 1 & 2years
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Relevant medical expenses covered for 30 days prior hospitalization
Post hospitalisation medical expenses covered for 60 days immediately after discharge from hospital
Emergency Ambulance Up to Rs.3,000 per hospitalization
Health Check-up Yes
Maternity Expenses Yes, after 24 months
Ayush Benefit Yes
Loyalty Bonus Bonus of 10% of the Basic Sum Insured for 5 years, maximum upto 50% of basic Sum assured or 10% cash back of annul premium.
Recharge Benefit No
Cashless facility Available at empaneled hospitals in India.
Re-imbursement In case policyholder opts for non-empaneled hospital.
Co-Pay Not Applicable if the customer enters in the plan before the age of 65 Years.
Claim Based Loading No Claim based loading on renewal premium
Renewal Premium Discount Premium discount of upto 12% on advance premium payment for 2 years policy term.
Family Premium Discount Not Applicable
Tax Benefit on Investment Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Riders None
Pre Policy Medical CheckUp Mandatory above age 59, May be required at discretion of insurance company; Medical expenses are borne by the company.
Pre-existing disease Pre-existing Diseases will be covered after a waiting period of 24 & 48 months
Waiting Period 90 days for specific illnesses and treatments
No claim period Any disease contracted during the first 90 days of commencement of the policy except for accidental&emergency.
General exclusions AIDS or any related illness will not be covered. Treatment of any mental or related disease is also excluded.
Grace Period 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Doctor Consultations (OPD) -
Reimbursement (OPD) -
Annual Health CheckUp (OPD) Yes
Pros Extended Family cover,Lifelong Renewal, No Sub Limits, Yearly Health Check Up, No claim based loading on premium, Maternity Cover, Short waiting period.
Cons No Sum Assured restoration, No critical Illness rider, only 50% No claim bonus.
RELIGARE CARE FORM
NAME PROPOSAL FORM PRE AUTHORISATION FORM CLAIM FORM POLICY FORM BROCHURE
RELIGARE CARE FORMS chart chart chart chart brochure
PLAN NAME SALIENT FEATURES BROCHURE APPLY
Religare Care
  • Free Yearly Health Check UpSum
  • Assured Restoration
brochure
Min Entry Age 91 days. Children between 91 days and 5 years can be insured if both parents are getting insured in this policy
Max Entry Age No age Limit
Max Policy Renewal Age Life long renewal
Policy Term 1, 2 & 3 years
Sum Assured Options 5/7/10/15/20/25/50 Lacs
Premium Payment Options 1, 2 & 3 years
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Relevant medical expenses covered for 30 days prior hospitalization
Post hospitalisation medical expenses covered for 60 days immediately after discharge from hospital
Emergency Ambulance Up to Rs.2,000 per hospitalization
Health Check-up Yes, Every Year
Maternity Expenses Not covered
Ayush Benefit Not covered
No Claim Bonus Bonus of 10% of the Basic Sum Insured for 5 claim free years, maximum upto 50% of basic Sum assured.
Recharge Benefit Equal to 100% of Basic Sum Insured, Recharge benefit automatically reinstates the basic sum insured in case you exhaust it in a policy year
Cashless facility Available at empaneled hospitals in India
Re-imbursement In case policyholder opts for non-empaneledhospital.
Co-Pay Not Applicable if the customer enters in the plan before the age of 61 Years.
No Claim based loading on renewal premium No Claim based loading on renewal premium
Renewal Premium Discount Premium discount of 7.5% on advance premium payment for 2 years policy term& 10% for 3 years terms.
Family Premium Discount Not Applicable
Tax Benefit on Investment Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Riders None
Pre Policy Medical CheckUp Mandatory above age 45, May be required at discretion of insurance company; Medical expenses are borne by the company if proposal is accepted.
Pre-existing disease Pre-existing Diseases will be covered after a waiting period of 48 months
Waiting Period 24 months for specific illnesses and treatments
No claim period Any disease contracted during the first 30 days of commencement of the policy except for accidental emergency
General exclusions Non allopathic treatment. AIDS or any related illness will not be covered. Treatment of any mental or related disease is also excluded
Grace Period 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Doctor Consultations (OPD) -
Reimbursement (OPD) -
Annual Health CheckUp (OPD) Yes
Pros Sum Assured restoration, 50% No Claim Bonus, Lifelong Renewal, No Sub Limits, Yearly Health Check, Up No claim based loading on premium
Cons Sum Assured restored only once in a policy year, No critical Illness rider

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