Salient Features - Revised Individual Health Insurance Policy

Eligibility
Any person residing in India and aged between 18 years and 65 years is eligible to get coverage under Individual Health Insurance Policy for himself or his/her family consisting of all or either of Self, Spouse, dependent children, and Parents.
The eligible plan will be based on the age of entry of a particular member in the Policy. A Person crossing the max. entry age prescribed for a plan will continue to be covered under the same plan provided the policy is renewed with us without break.
Plan Eligible Entry Age
Platinum Adult – 18 years – 35 years
Children – 91 days to 17 years
Gold 36 years to 60 years
Senior Citizen 61 years to 65 years
Dependent Children aged between 91 days to 17 years shall be covered, provided either or both parents are covered concurrently. In case, where both the parents of the child(ren) are already deceased, the minor child(ren) can be covered by the guardian without covering himself/herself.
Children aged 18 years or above will continue to be covered along with parents till the age of 26 years, provided they are unmarried/unemployed and dependent.
The upper age limit will not apply to mentally challenged children.
In the event of children becoming independent, employed, getting married, or attaining an age above 26 years, a separate policy can be taken on the expiry of the current policy for which continuity benefits will be provided.
Beyond 65 years, only renewals are allowed.
Midterm inclusion of family members is allowed at pro-rata premium only in case of:
- Newly married spouse within 60 (sixty) days of marriage.
- New born baby, between the ages of 91 days to 180 days, born to mother, insured under the policy.

Policy Term
One Year. Renewable annually.

Sum Insured
Sum Insured Options for fresh issuance of policy:
- Platinum : 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 8 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs
- Gold : 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 8 Lakhs, 10 Lakhs
- Senior Citizen : 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs

Individual Health Insurance Policy

Plan	Eligible Entry Age
Platinum	Adult – 18 years – 35 years Children – 91 days to 17 years
Gold	36 years to 60 years
Senior Citizen	61 years to 65 years