Basis of Payment

Any claim under this policy shall be payable only if the aggregate of covered hospitalization expenses exceeds the Threshold level or any amount received/receivable under any Health Insurance policy/ Reimbursement scheme whichever is higher.

The Policy provides the following benefits subject to the Basis of Payment clause mentioned above.

I. Hospitalisation expenses

1. Room, Boarding and Nursing expenses.

2. Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.

3. Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotheraphy, radiotheraphy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopaedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured.

Expenses incurred for covered hospitalization exceeding the Threshold level or any amount received/receivable under any Health Insurance policies/Reimbursement scheme whichever is higher.

II. Cashless facility in more than 7000 hospitals across Pan India.

III. Free Look period of 15 days shall be applicable at the inception of the first policy.

IV. Premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act.

For detailed terms and conditions, please see our Prospectus and Policy in our website.