In-patient Hospitalization It covers the cost of hospitalization taken for at least 24 hours, including the ICU stay.
✗Modern Treatment It pays for the cost of availing treatment through 12 modern procedures, including oral chemotherapy, balloon sinuplasty, etc.
✗HIV/ AIDS and STD It covers the medical expenses incurred on the treatment of HIV/AIDS and STD or sexually transmitted diseases.
✗Mental Care Cover It pays for in-patient hospitalization expenses incurred on the treatment of mental illnesses, including anxiety, stress, depression, etc.
✗Day Care Treatment It covers the cost of day care procedures and surgeries that require hospitalization of less than 24 hours.
✗Daily Cash Benefit It pays a cash allowance to the insured for each day of hospitalization ranging from Rs 800 per day to Rs 1000 per day, depending on the sum insured amount.
✗Pre-hospitalization Medical Expenses It covers the medical expenses incurred for up to 90 days before getting hospitalized.
✗Post-hospitalization Medical Expenses It pays for the medical expenses incurred for up to 180 days after getting discharged from the hospital.
✗Domiciliary Hospitalization It covers the cost of hospitalization at home taken under the advice of a doctor for at least 3 days in case shifting to a hospital is not possible.
✗Home Treatment It pays for the medical expenses incurred on treatments taken at home on the recommendation of a doctor.
✗Road Ambulance Cover It covers the cost of road ambulance services availed to transport the insured to the nearest hospital.
✗Organ Donor Expenses It pays for the cost of harvesting the organ of a donor for the organ transplant surgery of the insured.
✗AYUSH Cover It covers the in-patient hospitalization expenses incurred by the insured at an AYUSH hospital or day care centre.
✗Maternity Expenses It pays for the medical expenses incurred by the insured women during pregnancy, including the cost of both normal and C-section deliveries.
✗Newborn Baby Expenses It covers in-patient expenses incurred on the treatment of the newborn baby for up to 90 days from the delivery date.
✗Vaccination Expenses It pays for the cost of vaccination of a newborn baby for up to 2 years from the delivery date.
✗Stem Cell Preservation It covers the medical expenses incurred on harvesting and storing the stem cells of the newborn baby.
✗Domestic Emergency Assistance Services It pays for the cost of availing emergency medical evacuation and medical repatriation within the country.
✗Obesity Treatments It excludes surgeries for obesity or weight management if not specified by the doctor.
✗Cosmetic or Plastic Surgery It does not cover costs for cosmetic procedures done solely for beautification purposes.
✗Adventure or Hazardous Sports It does not pay for medical expenses to treat injuries from adventure sports like rafting, rock climbing, etc.
✗Treatment for Alcoholism It excludes treatments for alcoholism, drugs or other addictive substances and consequences thereof.
✗Sterility and Infertility It does not pay for sterilization and assisted reproductive treatments like IVF, GIFT, etc.
✗Suicide or Self-inflicted Injury It does not cover medical costs associated with attempted suicide or intentional self-injury.
✗External Congenital Anomalies It excludes treatments for removing birth defects or physical abnormalities present from the start.
Restoration of Sum Insured : Sum insured can be reloaded up to a maximum of 50 lakh in case of an unrelated illness.
Day-care Procedure : The policy covers 586 day-care procedures which don’t require 24 hours of hospitalisation.
International/Domestic Assistance : You can avail domestic as well as international healthcare assistance in case of an emergency, including air ambulance services.
The initial waiting period and for pre-existing as well as specific listed diseases is 24 months across all plans, while Joint Replacement Surgery under Standard Option is 48 months.
In-Patient treatment covering all expenses incurred in hospitalization.
Restoration of Sum Insured : Sum insured can be reloaded up to a maximum of 50 lakh in case of an unrelated illness.
Day-care Procedure : The policy covers 586 day-care procedures which don’t require 24 hours of hospitalisation.
International/Domestic Assistance : You can avail domestic as well as international healthcare assistance in case of an emergency, including air ambulance services.
The initial waiting period and for pre-existing as well as specific listed diseases is 24 months across all plans, while Joint Replacement Surgery under Standard Option is 48 months.
In-Patient treatment covering all expenses incurred in hospitalization.
