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Medical Policy
No one beat in Price.
We cover High Sum Assured at Lowest Premium.
Customize your Medical Policy as per your need.
1) In Patient Treatment – Cover hospitalization up to the annual sum insured. Room Rent cover for a Single Private AC Room.
2) Day Care Procedures /Treatment – Medical procedures / Treatment that require hospitalization of less than 24-hours. Such daycare treatments include dialysis, chemotherapy, cataract, radiation, tonsillectomy, etc
3) Pre & Post Hospitalization Medical Expenses – Pre-hospitalization expenses are medical costs incurred by the insured before getting admitted in a hospital – 90 days up to the annual sum Insured
Post-hospitalization expenses are medical costs incurred after discharge from the hospital – 180 days up to annual sum Insured
4) Donor Expenses – Organ donor expenses refer to the costs associated with the medical evaluation, surgery, hospitalization, and post-operative care of the organ donor. We also cover Organ Donor hospitalization expenses for organ harvesting, up to the annual sum insured.
5) Domiciliary Hospitalization – Medical care provided at home, allowing patients to receive treatment without hospital admission. Covers medical expenses of the insured, up to the annual sum insured. if advised by a medical practitioner ( Doctor) and last at least 3 consecutive days.
6) In Patient AYUSH Hospitalization – We also cover medical expenses for insured’s AYUSH treatment such as Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy, up to the annual sum insured, reimbursed or cashless whenever applicable.
7) Reset Benefit – we reset up to 100% of the sum insured unlimited time for any illness within the same policy year, in case the sum insured is insufficient due to previous claims.
8) Surrogacy & Oocyte – Inpatient treatment for surrogate mother and oocyte donor up to a maximum of 5 lakhs.
9) Guaranteed Cumulative Bonus – We offers an increase in the sum insured or a bonus 20 % added to the policy at the end of each claim-free year, up to a maximum of 100% of the annual sum insured.
10) Bariatric Surgery – Hospitalization expenses for insured’s surgical procedure/treatment for obesity, up to the annual sum insured.
11) Modern Treatment – We cover medical expenses for specific modern treatments up to the annul sum insured during the policy period.
12) Claim Protector – we also covers non payable items like gloves, cotton, syringes and masks are covered up to the sum insured.
13) Maternity Benefit – We covers Normal and C-section deliveries up to 10% of annual sum insured, Maximum Rs.1 lakh, with a 2 years waiting period.
Standard Waiting Periods for First time Policy Buyer**
Accidental Hospitalization | 0 Days ( Same Days start ) | |
Initial Waiting Period | 30 Days | Seasonable diseases such as any fever, stomach infection, Diarrhea, Flu, Chikangunya etc where need 24 hours admission in hospitalization. |
Critical Illness Waiting Period | 90 Days | Such as Cancer, Heart Attack, Lung Failure, Liver Failure, Kidney Failure etc |
Waiting period for Diabetes, HTN & Cardiac Condition unless PED ( Pre Existing Disease) | 90 Day | |
Maternity Waiting Period | 24 Months | Normal and C-section deliveries up to 10% of the annual sum insured, Maximum Rs.1 lakh. |
Specific Disease Waiting Period | 24 Months | Such as Joint Replacement, Cataract, Hernia of all types, Stones in urinary and bilateral system, all types of sinuses etc. |
Bariatric Surgery | 24 Months | Surgical procedure/treatment for obesity |
PED ( Pre Existing Disease) Waiting Period | 36 Months | Such as Diabetes, Asthma, HTN & Cardiac Condition etc |
