Please note:

1. Premium rates specified in the illustrations below are standard premium rates exclusive of any loadings and GST.
2. Rates shown below are for 3.5 Months policy tenure.

ILLUSTRATION

Family consisting of Self, Spouse, 2 Dependent Children, Father, Mother and Mother-in-Law

VI. WHAT POLICY DOES NOT COVER:  
 
A.WAITING PERIOD – EXCLUSIONS:
  The Company shall not be liable to make any payment under the policy in connection with or in respect of following expenses till the expiry of waiting period mentioned below:  
1. First Fifteen Days Waiting Period  
Expenses related to the treatment of Covid within 15 days from the policy commencement date shall be excluded.    
B.EXCLUSIONS 

1. Procedure for Cashless claims:

The covers listed below are in-built Policy benefits and shall be available to all Insured Persons in accordance with the procedures set out in this Policy.
Base Cover:
The covers listed below are in-built Policy benefits and shall be available to all Insured Persons in accordance with the procedures set out in this Policy. 
 1. Covid Hospitalization Cover:

ELIGIBILITY:
Any person aged between 18 years and 65 years can take this insurance for himself and his/her family consisting of Self, Spouse, dependent children, Parents and Parents-in-law, either on Individual Sum Insured basis or on floater basis. Beyond 65 years, only renewals are allowed. 

• Age means age of the Insured person on last birthday as on date of commencement of the Policy.
• AYUSH Treatment refers to hospitalisation treatments given under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy systems.

The Policy provides cover for the treatment of Covid on an Individual or Family Floater basis. A separate Sum Insured for each Insured Person is provided under Individual basis while under Family Floater basis, the Sum Insured limit is shared by the whole family of the Insured as specified in the Policy Schedule and our total liability for the family cannot exceed the Sum Insured in a Policy period. The cover type basis shall be as specified in the Policy Schedule.