1.1 The Company shall indemnify the Insured Person for medical expenses incurred following hospitalisation for a minimum period of 24 consecutive hours, subject to the terms, conditions and exclusions of this Policy.
2.4 Insured persons: Self, Spouse, Child 1. Cover applies only to persons named in the Schedule of this Policy.
3.1 Any illness contracted within 30 days of the first policy commencement date shall not be covered, except claims arising from an accident.
3.2 Pre-existing diseases shall be covered after 36 months of continuous coverage from the first policy inception date with the Company.
3.3 Hernia, cataract, joint disorders and listed specified illnesses carry a waiting period of 24 months.
4.2 Room, boarding and nursing expenses as provided by the Hospital, up to 1% of the Sum Insured per day. Where the Insured Person occupies a higher room category, associated medical expenses shall be payable in the same proportion.
4.5 Cataract treatment: up to ₹40,000 per eye per policy year, inclusive of lens and surgeon charges.
4.6 Joint replacement surgery is subject to a sub-limit of ₹1,50,000 per policy year.
4.9 Road ambulance charges are payable up to ₹2,000 per hospitalisation.
5.1 A co-payment of 20% on every admissible claim shall apply where the Insured Person is aged 61 years or above at entry.
5.3 Treatment at a non-network hospital attracts a co-payment of 10% of the admissible claim amount.
6.2 Expenses related to maternity, childbirth and newborn care are excluded unless the optional cover is shown in the Schedule.
6.7 Items listed in Annexure I are not payable under this Policy, including gloves, nebuliser kits and attendant charges.
7.1 A cumulative bonus of 20% for each claim-free year shall be added, up to 100% of the Sum Insured.
8.4 The grace period for renewal is 30 days. No cover is available for any claim during the grace period.
9.1 The Insured Person shall intimate the Company within 24 hours of emergency hospitalisation and 48 hours before any planned admission.
1.1 The Company shall indemnify the Insured Person for medical expenses incurred following hospitalisation for a minimum period of 24 consecutive hours, subject to the terms, conditions and exclusions of this Policy.
2.4 Insured persons: Self, Spouse, Child 1. Cover applies only to persons named in the Schedule of this Policy.
3.1 Any illness contracted within 30 days of the first policy commencement date shall not be covered, except claims arising from an accident.
3.2 Pre-existing diseases shall be covered after 36 months of continuous coverage from the first policy inception date with the Company.
3.3 Hernia, cataract, joint disorders and listed specified illnesses carry a waiting period of 24 months.
4.2 Room, boarding and nursing expenses as provided by the Hospital, up to 1% of the Sum Insured per day. Where the Insured Person occupies a higher room category, associated medical expenses shall be payable in the same proportion.
4.5 Cataract treatment: up to ₹40,000 per eye per policy year, inclusive of lens and surgeon charges.
4.6 Joint replacement surgery is subject to a sub-limit of ₹1,50,000 per policy year.
4.9 Road ambulance charges are payable up to ₹2,000 per hospitalisation.
5.1 A co-payment of 20% on every admissible claim shall apply where the Insured Person is aged 61 years or above at entry.
5.3 Treatment at a non-network hospital attracts a co-payment of 10% of the admissible claim amount.
6.2 Expenses related to maternity, childbirth and newborn care are excluded unless the optional cover is shown in the Schedule.
6.7 Items listed in Annexure I are not payable under this Policy, including gloves, nebuliser kits and attendant charges.
7.1 A cumulative bonus of 20% for each claim-free year shall be added, up to 100% of the Sum Insured.
8.4 The grace period for renewal is 30 days. No cover is available for any claim during the grace period.
9.1 The Insured Person shall intimate the Company within 24 hours of emergency hospitalisation and 48 hours before any planned admission.
1.1 The Company shall indemnify the Insured Person for medical expenses incurred following hospitalisation for a minimum period of 24 consecutive hours, subject to the terms, conditions and exclusions of this Policy.
2.4 Insured persons: Self, Spouse, Child 1. Cover applies only to persons named in the Schedule of this Policy.
3.1 Any illness contracted within 30 days of the first policy commencement date shall not be covered, except claims arising from an accident.
3.2 Pre-existing diseases shall be covered after 36 months of continuous coverage from the first policy inception date with the Company.
3.3 Hernia, cataract, joint disorders and listed specified illnesses carry a waiting period of 24 months.
4.2 Room, boarding and nursing expenses as provided by the Hospital, up to 1% of the Sum Insured per day. Where the Insured Person occupies a higher room category, associated medical expenses shall be payable in the same proportion.
4.5 Cataract treatment: up to ₹40,000 per eye per policy year, inclusive of lens and surgeon charges.
4.6 Joint replacement surgery is subject to a sub-limit of ₹1,50,000 per policy year.
4.9 Road ambulance charges are payable up to ₹2,000 per hospitalisation.
5.1 A co-payment of 20% on every admissible claim shall apply where the Insured Person is aged 61 years or above at entry.
5.3 Treatment at a non-network hospital attracts a co-payment of 10% of the admissible claim amount.
6.2 Expenses related to maternity, childbirth and newborn care are excluded unless the optional cover is shown in the Schedule.
6.7 Items listed in Annexure I are not payable under this Policy, including gloves, nebuliser kits and attendant charges.
7.1 A cumulative bonus of 20% for each claim-free year shall be added, up to 100% of the Sum Insured.
8.4 The grace period for renewal is 30 days. No cover is available for any claim during the grace period.
9.1 The Insured Person shall intimate the Company within 24 hours of emergency hospitalisation and 48 hours before any planned admission.
1.1 The Company shall indemnify the Insured Person for medical expenses incurred following hospitalisation for a minimum period of 24 consecutive hours, subject to the terms, conditions and exclusions of this Policy.
2.4 Insured persons: Self, Spouse, Child 1. Cover applies only to persons named in the Schedule of this Policy.
3.1 Any illness contracted within 30 days of the first policy commencement date shall not be covered, except claims arising from an accident.
3.2 Pre-existing diseases shall be covered after 36 months of continuous coverage from the first policy inception date with the Company.
3.3 Hernia, cataract, joint disorders and listed specified illnesses carry a waiting period of 24 months.
4.2 Room, boarding and nursing expenses as provided by the Hospital, up to 1% of the Sum Insured per day. Where the Insured Person occupies a higher room category, associated medical expenses shall be payable in the same proportion.
4.5 Cataract treatment: up to ₹40,000 per eye per policy year, inclusive of lens and surgeon charges.
4.6 Joint replacement surgery is subject to a sub-limit of ₹1,50,000 per policy year.
4.9 Road ambulance charges are payable up to ₹2,000 per hospitalisation.
5.1 A co-payment of 20% on every admissible claim shall apply where the Insured Person is aged 61 years or above at entry.
5.3 Treatment at a non-network hospital attracts a co-payment of 10% of the admissible claim amount.
6.2 Expenses related to maternity, childbirth and newborn care are excluded unless the optional cover is shown in the Schedule.
6.7 Items listed in Annexure I are not payable under this Policy, including gloves, nebuliser kits and attendant charges.
7.1 A cumulative bonus of 20% for each claim-free year shall be added, up to 100% of the Sum Insured.
8.4 The grace period for renewal is 30 days. No cover is available for any claim during the grace period.
9.1 The Insured Person shall intimate the Company within 24 hours of emergency hospitalisation and 48 hours before any planned admission.