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Covers: Hospitalization Expenses, Pre & Post Hospitalisation expenses, Domiciliary Hospitalisation, Day care Expenses, Expenses on Ayurvedic Treatment as in-patient.
KEY BENEFITS
Covers: Hospitalization Expenses, Pre & Post Hospitalisation expenses, Domiciliary Hospitalisation, Day care Expenses, Expenses on Ayurvedic Treatment as in-patient.
Add-on covers: Ambulance Charges, Hospital Daily Cash.
Renewal Benefits: Free health check-up after a block of three claim free years.
Note: Children from the age of 91 days can be covered under platinum plan provided either or both of the parents are covered.
Covered all day care treatment
All day care treatments as per standard definition
Covered up to 60 days
Post-hospitalization Medical Expenses incurred due to an Illness or Injury during the period up to 60 days after the discharge from the hospital.
Covered up to 30 days
Pre-hospitalization Medical Expenses incurred due to an Illness or Injury during the period up to 30 days prior to hospitalization
Covered up to 1% of Sum Insured per day
Room, Boarding and Nursing expenses (all inclusive) incurred as provided by the Hospital/Nursing Home up to 1% of Sum Insured per day or actual expenses whichever is less. These expenses will include nursing care, RMO charges, IV Fluids/Blood transfusion/injection administration charges and similar expenses
Not Covered
Medical treatment expenses traceable to child birth (Including complicated deliveries and cesarean sections incurred during hospitalization) except ectopic pregnancy, ii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period
Available
We will cover, on a reimbursement basis, medical treatment for a period exceeding three days for such an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home
Covered
We will pay the Reasonable & Customary Charges incurred as in patient for an Insured Person in case of Medically Necessary Treatment taken during Hospitalization subject to the condition that the hospitalization expenses are admissible only when the treatment has been undergone in an AYUSH Hospital
Covered up to Rs. 2500 per person per policy period
We will cover the costs incurred up to Rs. 2500 per person per policy period on transportation of the Insured Person by road Ambulance to a Hospital for treatment in an Emergency following an Illness or Injury which occurs during the Policy Period. The necessity of use of an Ambulance must be certified by the treating Medical Practitioner and becomes payable if a claim has been admitted under Section 5.1 and the expenses are related to the same Illness or Injury.
Covered
Dental treatment, necessitated due to injury. Cataract covered Up to 25% of Sum Insured or Rs. 40,000 per eye, whichever is less
Family Covered in this Policy
Family consisting of Self, Spouse, Dependent Children and Parents on Individual Sum Insured basis
48 months
Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us
Covered -up up to 1% of average Sum Insured of preceding 3 years
We will cover expenses incurred towards cost of health check-up up to 1% of average Sum Insured of preceding 3 years, subject to a maximum of Rs. 5,000 per person per policy period for a block of every three claim-free years provided the health check-up is done at hospitals/diagnostic center authorized by us within a year from the date when it got due and the policy is in force. Payment under this benefit does not reduce the sum insured
