General Insurance

Unique Health Insurance Policy

Eligibility Criteria

Minimum Entry Age 18 years for adults
Maximum Entry Age 65 years


  • Pre existing disease/condition covered after 11 months waiting period up to the specified limits.
  • No pre-acceptance medical screening required.
  • Policy term 2 years. Premium can be paid in 2 installments.
  • Covers HIV positive persons except for opportunistic infections and treatment for HIV/AIDS. The minimum CD4 count at the time of entry should be 350.
  • Non allopathic treatment up to 25% of sum insured subject to a maximum of Rs. 25,000/- per occurrence, per year of insurance.

Product Features

Key Features
Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a cover of Rs. 1,2 and 3 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.

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.

It covers the medical expenses due to an illness after the insured is discharged from hospitalization.
The plan covers post-hospitalization expenses in lump sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs. 5,000/-.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.
In the event of hospitalization, the policyholder is entitled get up to 1% of Sum insured; subject to maximum of Rs. 3,000/- per day.

Other Features

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.

Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Emergency ambulance charges up to a sum of Rs. 750/- per hospitalization and overall limit of Rs. 1,500/- per policy period.


  • Genetic Disorder.
  • Artificial Life Maintenance.
  • Mental disorders (including treatments for mental health).
  • Weight loss treatment.
  • Alternative Practice.
  • Recovery Benefit.