1. Waiting Periods (Only Applicable for Gold & Senior Citizen Plans)

The Company shall not be liable to make any payment under the policy in connection with or in respect of any expenses till the expiry of waiting period mentioned below:

1)Notification of Claim

Upon the happening of any event which may give rise to a claim under this Policy, the Insured Person/Insured Person’s representative shall notify the TPA (if claim is processed by TPA)/company (if claim is processed by the company) in writing providing all relevant information relating to claim including plan of treatment, policy number etc. within the prescribed time limit as under:

The coverages available under this policy are classified as Base Cover and Optional Cover. Base Cover refers to the coverage available as default under Individual Health Insurance Policy whereas Optional Cover is available only upon payment of additional premium.

IMPORTANT: Please note that the coverage mentioned below is applicable for ALL the plans i.e., Platinum/ Gold/ Senior Citizen, under Individual Health Insurance Policy unless explicitly mentioned otherwise.

1. Eligibility
   Any person residing in India and aged between 18 years and 65 years is eligible to get coverage under Individual Health Insurance Policy for himself or his/her family consisting of all or either of Self, Spouse, dependent children, and Parents.
   The eligible plan will be based on the age of entry of a particular member in the Policy. A Person crossing the max. entry age prescribed for a plan will continue to be covered under the same plan provided the policy is renewed with us without break.

The terms defined below and at other junctures in the Policy have the meanings ascribed to them wherever they appear in this Policy and, where, the context so requires, references to the singular include references to the plural; references to the male includes the female and references to any statutory enactment includes subsequent changes to the same.

1. Indemnity-based health insurance product for you and your family that offers a wide cover
2. Coverage on Individual Sum Insured basis meaning each Insured Person has their own SI.
3. 3 plans – Platinum/Gold/Senior Citizen. Please note that the plan you are under is based on the age of entry in the policy. IV. Cashless hospitalisation in a network spanning 14000+ hospitals.

COVERAGE AT A GLANCE: