Sum Insured
Sum Insured is the amount of cover provided by the insurance company. |
Daily Cash Benefit ranges from 500(1 Unit) to 5000 (10 Units) in multiple of 500.
Accidental Death & Permanent Total Disability cover from 50000 to 25 lacs.
Critical Illness Add on cover from 50000 to 25 lacs.
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Sickness Hospital Cash benefit
Company will pay a daily cash benefit for hospitalization due to any illness. |
Company will pay daily cash benefit for each continuous and completed period of 24 hours hospitalization due to any illness. |
Accident Hospital Cash benefit
Company will pay a daily cash benefit for hospitalization due to an injury. |
Company will pay 2 times the daily cash benefit for each continuous and completed period of 24 hours hospitalization due to an injury. |
ICU Benefit
In this plan, company will pay for hospitalization in an Intensive care unit for treatment of illness and injury. |
Company will pay 3 times the daily cash benefit. Coverage is limited to a maximum of 15 days per Insured person per policy year. |
Worldwide cover
The company is liable to pay if an insured person need to get hospitalized in a hospital room or ICU outside India for medical assistance due to illness or injury. |
Company will pay 3 times the daily cash benefit for medically necessary treatment. |
Convalescence benefit
If an insured need to stay for long in hospital then company pays a lump sum amount. |
There can be a situation when an insured person may need a long stay in hospital, then the company will pay a lump sum equal to 5 times the Daily cash benefit for hospitalization of at least 10 consecutive days. |
Compassionate benefit
If an unfortunate death occurs during the course of hospitalization due to an accidental injury then the company pays a lump sum amount. |
Company will pay a lump sum amount equal to 10 times the daily cash benefit on unfortunate death of the insured person. |
Day Care Treatments
These are treatments that don’t require a 24-hr hospitalization and conducted in a hospital or day-care center. |
Company will pay a lump sum amount lower of 5 times the daily cash benefit or Rs. 25000/- to the insured person for day care treatment. The benefit shall be available for a maximum of 5 day care treatments per insured person per policy year. For cataract, coverage is limited to 1 surgery in a policy year per insured person. |