Medical expenses incurred during a stay of more than 24 hours in the hospital, such as hotel charges, doctor/surgeon fees, prescription bills, and so on.

Medical expenses incurred 30 days previous to and 60 days after admission to the hospital, assuming the in-patient claim has been accepted.

The costs of modern, technology medical procedures and surgeries that require less than 24 hours in the hospital (including dialysis, radiotherapy and chemotherapy).

Expenses for in-patient Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatment are covered only if they are received at a government hospital or an institute recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health.

Redeeming wellness points gained through various wellness and fitness activities as a result of healthy behavior. The wellness points can be redeemed on OPD bills for doctor's consultations, medicine and pharmaceuticals, diagnostic and dental expenditures, and so on.

Every year you go by without filing for a claim, you'll receive a bonus on your base sum insured. In the event of a claim, the additional sum covered will be reduced by a certain percentage.

Provides coverage for products that are not otherwise covered by your claim. If your claim for in-patient hospitalisation has been approved, you can take use of this benefit.

If you make claims up to a certain limit in the prior insurance year, it has no effect on the additional money insured you have earned over the years.

Ambulance charges paid for an ambulance service provided by a hospital or ambulance service provider during an emergency can be reimbursed.

Every policy year, each insured receives a complimentary health check-up coupon, with floater policies receiving two coupons per year.

It covers the cost of transporting you to the nearest hospital for emergency treatment.

Expenses for hospitalisation and day-care operations incurred when traveling to another country.

Only if the hospitalisation claim for organ donation operation is accepted is this benefit offered.

Road ambulances for emergency care, telephone or virtual consultations with a medical professional for everyday health issues are all examples of emergency services. The consultation can be delivered via voice, video, web portal, chat, or mobile app. This service is available 365 days a year, 24 hours a day.

You can restore your balance sum insured up to 100% of the base sum insured an unlimited number of times. The feature is available only during the policy year. To be eligible for this, the total insured, including any accrued additional sum insured (if any), must be insufficient due to previous claims in the policy year. This benefit can be used for a different disease or the same condition if the insured is different.

Every year, without regard to age, the health policy can be renewed.

Floater coverage allows you to cover your entire family (self, spouse, dependent parents, dependent children, siblings and sisters) under a single policy for the same amount insured by paying a single premium. Any person from 3 months to 6 years can be insured under the family insurance plan as long as at least one adult is also covered under the same policy.

Within 15 days of obtaining the policy, you can cancel it by sending a written notice.

For each claim-free year, you may be eligible for a bonus. In the event of a claim under the policy, the accrued additional sum insured for the next year is decreased.

The policy covers your OPD expenses.

The policy also provides comprehensive coverage to all your maternity related needs.

If you're present in the hospital for more than 24 hours, you'll have medical charges covered.

Expenses for day-care procedures such as eye surgery, ligament tear surgery, or tonsillectomy. We cover 150 of these day-care treatments that don't require more than 24 hours in the hospital. You can find a list of these day care therapies here.

On a reimbursement basis, hospitalisation charges for Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatment.

Expenses associated with undergoing organ transplant surgery, up to the amount covered.

Your medical expenses for the 60 days preceding and 90 days after your hospitalisation.

Emergency road ambulance expenses, up to a percentage of your total insurance amount.

After two years of continuous coverage, we cover disclosed and accepted pre-existing conditions.

You can add up to two adults and three children to a single floater insurance. Spouse, dependent children, brother, sister, dependent parent, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law, and dependent sister-in-law are among the relationships addressed.

You can renew your top-up health insurance at any time, regardless of your age.

According to Section 80D of the Income Tax Act of 1961, you can get a tax deduction on your premiums.

Cashless hospitalization is available at any of our 6500+ healthcare providers. This link will take you to a list of these providers/hospitals.

Medical charges up to the covered amount during your domiciliary hospitalization.

We provide a reset benefit of up to 100% of the sum insured for plans with deductibles of 3 lakhs and higher. This benefit kicks in if your total sum insured (including additional sum insured) is insufficient due to past claims made during the insurance year. This reward is made available to you once every policy year.

Through a variety of wellness services, we encourage and reward you to maintain a healthy lifestyle. Earn reward points by participating in fitness and wellness activities and redeeming them for prizes.

In-patient hospitalisation expenditures, such as room rent/boarding and nursing, are covered up to 2% of the sum insured, up to a daily maximum of $5,000. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) charges up to 5% of the sum insured each day, up to $10,000. If you are hospitalized for over 24 hours, the surgeon's fee, doctor's fee, anaesthetic, blood, oxygen, and operation theatre charges are all covered.

Hospital bills incurred 30 days previous to and 60 days after admission to the hospital.

Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatments performed in a government hospital or any institute recognised by the government and/or approved by the Quality Council of India/National Accreditation Board.

Medical bills for any day-care treatments that need fewer than 24 hours in the hospital.

On road ambulance charges of up to Rs. 2000.

Expenses incurred during cataract treatment up to 25% of the sum insured, or a maximum of $40,000, whichever is less.
Medical expenses for treating an injury-related sickness.

After a four-year waiting period, certain pre-existing disorders are identified (refer policy wordings for list of PEDs). The benefit of a waiting time is applicable to ported insurance.

If you pay a single floater premium, you get to extend the insurance coverage of your policy to your entire family. This includes dependent parents, legally married spouses, parents-in-law, and dependent children. Here, if there’s any child over the age of three months, you can insure them under the same policy given one adult is also covered.

Thanks to Section 80D, you can deduct up to Rs. 25,000 for shielding your health and the health of your dependent children and parents. Under the same, senior citizens get a tax break of up to Rs. 50,000..

You have the flexibility to restart or renew your policy annually without a capping on the age.

If you go by a year without claiming the amount, you get 5% more sum insured. This can go up to a maximum of 50% more sum insured on the same premium payment.

Cancellation of the insurance must be done in writing within 15 days of receipt of the policy.

The following modern procedures are also covered either as in patient treatment or as part of day care treatment in a hospital up to 50% of Sum Insured.

Balloon Sinuplasty

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

Oral chemotherapy

Deep Brain stimulation

Intra vitreal injections

Immunotherapy- Monoclonal Antibody to be given as injectionVaporisation of the prostrate (Green laser treatment or holmium laser treatment)

Stereotactic radio surgeries

Robotic surgeries

Bronchical Thermoplasty

Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered

IONM - (Intra Operative Neuro Monitoring)