Please note:

1. Premium rates specified in the illustrations below are standard premium rates exclusive of any loadings and GST.

ILLUSTRATION

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

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. Pre-Existing Diseases (Code- Excl01):

1. Procedure for Cashless Claims:

1. Treatment may be taken in a network provider and is subject to pre authorization by the Company or its authorized TPA.
2. Cashless request form available with the network provider and TPA shall be completed and sent to the Company/TPA for authorization.

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. Hospitalisation

The company shall indemnify medical expenses incurred for Hospitalisation of the Insured Person during the Policy year, up to the Sum Insured and Cumulative Bonus specified in the policy schedule, for,

• 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. 

• Accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means.
• Age means age of the Insured person on last birthday as on date of commencement of the Policy.
• Any One Illness means continuous period of illness and it includes relapse within forty five days from the date of last consultation with the hospital where the treatment has been taken

The Policy provides cover 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.