✗In-patient Care It covers the medical expenses incurred on hospitalization taken for at least 24 hours, such as nursing expenses, OT charges, doctor’s fees, ICU charges, room rent, etc.
✗Day Care Treatment It pays for the cost of medical procedures that require hospitalization of less than 24 hours.
✗Advance Technology Methods It covers the cost of treatment taken through advanced technology methods, such as robotic surgeries, deep brain stimulation, stem cell therapy, oral chemotherapy, etc.
✗Pre-hospitalization Medical Expenses It pays for the medical expenses incurred up to 60 days before getting hospitalized.
✗Post-hospitalization Medical Expenses It covers the medical expenses incurred up to 180 days after getting discharged from the hospital.
✗AYUSH Treatment It pays for the charges incurred on availing in-patient treatment through Ayurveda, Homeopathy, Siddha and Unani system of medicines.
✗Domiciliary Hospitalization It covers the cost of treatment taken at home for at least three days as per the recommendation of a qualified doctor in case hospitalization is not possible
✗Organ Donor Cover It pays for the medical expenses incurred towards the organ donor of the insured for an organ transplant surgery.
✗Road Ambulance Cover It covers the medical expenses incurred on availing emergency road ambulance services for the transportation of the insured.
✗Maternity expenses It does not cover any medical expenses resulting from pregnancy and childbirth.
✗Sterility and infertility It does not pay for the cost of treating sterility and infertility.
✗Treatment for self-inflicted injury It does not cover the treatment cost of any self-inflicted injuries or injuries due to a suicide attempt.
Artificial life maintenance It does not cover the cost of artificially maintaining life in case the insured is in a vegetative state.
✗External congenital anomaly It does not cover the treatment cost of any external congenital anomaly.
✗Treatment for alcoholism, drug or substance abuse It does not pay for the treatment of alcohol or drug addiction or substance abuse.
✗Treatment for injuries sustained in adventure or hazardous sports It does not pay for the treatment of injuries sustained while participating in any adventure or hazardous sports.
✗Cosmetic or plastic surgery It does not cover the cost of any non-accidental cosmetic or plastic surgery.
✗Obesity or weight-control treatments It does not pay for any treatment for obesity or weight control.
✗Hormone replacement therapy It does not cover the cost of undergoing hormone replacement therapy.
✗Cumulative Bonus Super It grants a cumulative bonus of 100% of the sum insured up to a maximum of 500% for every claim-free year.
✗Annual Health Check-up It offers free preventive health check-up facilities every year to all insured members.
✗PED Wait Period Modification It reduces the waiting period for pre-existing diseases from 4 years to 1 year/2 years/3 years.
✗Room Rent Modification It modifies the applicable room rent limit and enables the insured to get admitted to a twin-sharing or private single AC room.
✗Women Care It will cover adult women for the cost of diagnostic services, including mammography, PCOS/PCOD tests and cervical cancer screening, for up to Rs 50,000 per policy year.
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.
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.
