Comprehensive Family Health Insurance Plan
Care Coverage
A comprehensive family health insurance plan to meet everyone's healthcare needs:
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In-Patient Care
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Pre & Post Hospitalization
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Individual & Floater Cover
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Domiciliary Hospitalization
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Daily Allowance
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Ambulance Cover
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Organ Donar Cover
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Lifelong Renewability
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Annual Health-Checkup
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No Claim Bonus
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Second Opinion
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Tax Benefit(under sec 80d)
Policy Terms
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Minimum entry age-91 days
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Maximum age No age bar
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Renewal-Lifelong Renewability. The Policy can be renewed under the then prevailing
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Health Insurance Product or its nearest substitute approved by IRDA.
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Renewal premium is payable on renewal and on the subsequent continuation of cover arc subject to change with prior approval from IRDA.
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No Co-payment in policy, if the age of the eldest member insured with us at the time of first policy is below 61 years.
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20% Co-payment will be applicable in policy if the age of the eldest member insured with us at the time of first policy is 61 years or above 61 years i.e. you will have to pay 20% of the claim amount under the policy if any. We pay the rest.
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Waiting period 30 days for any illness except injury
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Waiting period for pre-existing illnesses Four years of continuous coverage
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Change in sum insured You can enhance your sum insured under the policy only upon renewal
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Grace period 30 days from the date of expiry to renew the policy
Plans Exclusion
The standard policy exclusions are -
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Any diagnosis of diseases / undergoing of surgery/occurrence of an event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
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Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
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Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
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Medical expenses incurred for treatment of AIDS
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Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences
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Congenital disease
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Tests and treatment relating to infertility and in vitro fertilization.
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War, riot, strike, nuclear weapons induced hospitalization.