In the unfortunate event of you or your family members meeting with an illness or accident resulting in hospitalisation, our Health Insurance gives you a cash free hospitalisation in more than 3000 hospitals across India. Our Health Insurance also reimburses the expenses during Pre - Hospitalisation and Post - Hospitalisation stages of treatment.

• Pre-Hospitalisation:
  • Medical expense incurred 60 days prior to the hospitalization are reimbursed.
• Hospitalisation:
  • All expenses including the following reimbursed:
    
  Room and board, doctors' fee, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses,  anesthesia and oxygen administration expenses, Room, boarding & nursing expenses for normal room/ICU limited to 1% /2.5% of basic sum insured per day respectively.
  
• Post-Hospitalisation: 
  • Once discharged from hospital, the policy shall pay for medical expenses related to the hospitalisation, for a period of 60 days after discharge.
    
• Hospital Daily Allowance:
  • In addition to hospital expenses, a daily hospital allowance will be paid for the period of hospitalisation.
• Emergency Assistance Service:
  • In the event of an emergency, assistance services like medical consultation, evaluation and referral, emergency medical evacuation, care for minor children etc are provided.
    
• Local Ambulance Service:
  • In the event of an emergency, cover is provided for expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available.
    
• General Health Check-up:
  • You will be reimbursed the expenses incurred for general health examination (once in a block of 4 claims free years)
    
• Cumulative bonus:
  • You will be provided with a 5% extra sum insured for every claims free year subject to a maximum of 50% of capital sum insured.
    
• Benefits under Section - 80D:
  • Premium upto Rs. 35,000 is eligible for deductions under Section 80D of Income Tax Act, 1961. However there are sub-limits within this over-all limit. Premium upto Rs 15,000 is eligible for tax deduction for self, spouse and dependant children. Additionally, premium upto Rs 20,000 is eligible for tax relief or parents health cover if they are senior citizens (otherwise Rs 15,000 is eligible)
    

• Critical illness extension:
  • You will be covered for 10 named critical illness for double the basic cover sum insured at 40% of the basic cover premium
    

• Diseases, which have been in existence at the inception of the policy
• Illness that commenced during the first 30 days of inception of the first policy.
• Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, in the first year of insurance. However, on renewal, these exclusions shall not apply. For a complete list of exclusions, refer to the policy.

• Hospitalisation
• Pre-hospitalisation
• Post - Hospitalisation.
• Emergency Assistance Service
• Local Ambulance Service.

• Family discount is available (5% for 2 people, 10% for 3 or more people).
• Benefits / rates given in the leaflet are indicative Maximum
• Entry Age: 5- 55 years (medical reports required above 45 years of age)
• Rates inclusive of service tax.