Policy will pay under below mentioned cases:

• Actual hospitalisation expenses of various types listed above subject to a maximum of Rs. 15 0 to Rs. 5 0 0 depending upon the sum insured chosen at the inception of the policy ( sum insured is maximum liability under the policy.)
• Actual domiciliary hospitalisation expenses limited to Rs. 3 0 to Rs. 50 0 depending on the sum insured chosen at inception.
• Cost of health check up reimbursable at the end of 4 continuously claim free underwriting years limited to 1% of Average sum insured of 4 claim free years
• The sum insured will be increased by 5 % cumulative bonus for every claim free year. If there is a claim in a policy with cumulative bonus 10% of the sum insured will be reduced from the earned bonus.

N.B.
Maternity expenses incurred in Hospital / Nursing Home as in-patient subject to limit of sum insured or Rs. 50 0 whichever is lower on payment of extra premium and policy being extended to cover maternity benefits. This benefit is only available in group policies.

All terms benefits conditions of cover are subject to the definitions of various terms under policy.