Sum Insured
Sum Insured is the amount of cover provided by the insurance company. |
The plan provides a cover of Rs. 3 and 4 lacs |
In-patient hospitalisation
This covers hospitalization expenses due to an illness or accident. |
The plan covers hospital accommodation, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured. |
Pre-hospitalization
It covers the medical expenses due to an illness before the insured is hospitalized. |
The plan covers pre-hospitalization expenses of up to 30 days. |
Post-hospitalisation
It covers the medical expenses due to an illness after the insured is discharged from hospitalization |
The plan covers post-hospitalization expenses up to 60 days in lump sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs. 5,000/-. |
Day Care Treatments
These are treatments that don’t require a 24-hr hospitalization and conducted in a hospital or day-care center. |
This plan covers the expenses of day care treatments up to Sum Insured. |
Co-Payment
After a insured member turns a certain age, co-payment is applicable. Co-pay is that part of your claim amount, which you have to bear. |
This plan provides 10% co payment above the age of 60 years. |
Waiting Period
If an insured person is suffering from any pre existing disease, he has to serve a specific waiting period wherein claim can be done only after completion of waiting period. |
Pre existing disease covered after:
| Section 1 (Non cardiac ailments) |
Section 2 (Cardiac ailments) |
Section 3 & 4 |
| 48 Months |
91th day |
No waiting period |
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