Base Cover

Room Eligibility

Shared Accommodation

ICU/ICCU

Actuals

Day Care Treatments

All Day Care Treatments as per the definition in the policy wordings are covered

Pre-Hospitalisation

60 Days

Post-Hospitalisation

90 Days

Road Ambulance

Covered

Modern Treatment MATs

Covered

Cumulative Bonus

Cumulative bonus will be calculated at 50% of sum insured for each claim free Policy Year subject to a maximum of 100% of the sum insured

Organ donor’s medical expenses

Hospitalisation Expenses (excluding cost of organ) incurred for/by a Donor within the Sum Insured of the Insured Person

Optional Cover

Waiver of Co-Payment

A Co-payment will be applied in the following cases:

1. If the insured has paid the premium for Zone C, a co-payment of 15% will apply for each and every claim amount for treatment taken in any city of Zone A.
2. If the insured has paid the premium for Zone B, a co-payment of 10% will apply for each and every claim amount for treatment taken in any city of Zone A.

If the optional cover is opted, the applicable co-payment at the time of claims will be waived off

Sub-Limits

None