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Product Comparison - Swasthya Kavach Policy

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Benefits Base Plan Wider Plan
Cost of Health Check up Not Applicable he reimbursement shall not exceed the amount equal to 1% of the average Floater Sum Insured during the block of four claim free years of Insurance with Us.
Daily Allowance Rs 150 per day Rs 250 per day
Post – Hospitalization Medical expenses up to 7% of Hospitalization expenses incurred up to max.30 days after Hospitalization maximum to Rs 7500 Relevant medical expenses incurred up to 60 days after Hospitalization on Disease/illness/ Injury sustained, which will be part of Hospitalization expenses claim
Restriction on other hospital expenses in accordance with the room rent Applicable Not Applicable
Ambulance charges Rs. 750/- or actual whichever is less Rs. 1500/- or actual whichever is less. or actual whichever is less.
Sub limit per day for Normal Room expenses: 1.0% of the Sum Insured 1.5% Basic Sum Insured
Sub limit per day for Intensive Care Unit Sub limit per day for Intensive Care Unit 2.5% of Basic Sum Insured
Additional Exclusions for first two continuous years of Policy Chronic Renal failure or End Stage Renal Failure Heart Disease. Any type of Carcinoma / Sarcoma/ Blood Cancer Covered
Add on features
Cumulative Bonus Not Applicable Increased by 5% of the Basic Sum Insured at each renewal Continuance of coverage under a policy beyond its original term by the insurer's acceptance of the premium for a new policy term in respect of each claim free year of insurance, subject to maximum of 50% of the Basic Sum Insured
Critical Illness Not Applicable Optional cover
Limit of LiabilityLimit of Liability Basic Sum Insured Under option I : Limit of Liability is the Sum Insured + Cumulative Bonus if earned for claim free year Under option II : the total Sum Insured of the Basic Cover and Optional Extension + Cumulative Bonus (if any) on Basic Sum Insured
Specified List of treatments have Expenses limit per treatment per claim or actual whichever is less for example Cataract, Piles, Fistula, Tonsillitis , Sinusitis, Hernia , Knee/ Hip Joint Replacement, etc. Applicable Not Applicable

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