Health Recharge Family Floater

Health Recharge : Family Health Insurance Plan
Enhance your family health insurance cover with this super top-up plan

No room rent cap : Covered up to sum insured
Day care Treatment : Covered up to sum insured
Cover Available : Up to Rs 95 lakh
In-patient Treatment : Covered up to sum insured

Family Combination Applicable : Up to 2 Adults & 4 Children
Cover starts from : Rs 2 lakhs - Rs 95 lakhs

e-Consultation
Avail unlimited tele consultations

Pharmacy & diagnostic services
Get discounts through our empaneled service provider

Loyalty Benefits
Get loyalty addition of 5% on sum insured per year; maximum up to 50%

Emergency Ambulance
Up to Rs. 1,500 per hospitalization

Alternative treatment
Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments

Renewal for life
Once insured with us, you will always remain our customer

Hospitalization
IN-PATIENT CARE (HOSPITALISATION)
Get coverage for hospitalization expenses for all insured members

HOSPITAL ACCOMMODATION
Get coverage for all hospital accommodations up to a single private room without any room rent capping under this policy for sum insured 5lakhs & above

PRE & POST HOSPITALISATION MEDICAL EXPENSES
The policy will cover pre and post hospitalization expenses as well. The period of the treatment covered is 60 days before you get admitted to the hospital and 90 days after you get discharged from the hospital

EMERGENCY AMBULANCE
The policy covers the cost of ambulance . These expenses are paid once we have accepted the inpatient claim

DOMICILIARY HOSPITALISATION
The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor's advice

DAY-CARE TREATMENT COVERED
Your health insurance will cover a host of dental, ENT and other procedures

ORGAN TRANSPLANT
Medical expenses for an organ donor's inpatient treatment for the harvesting of the organ donated is also covered

Standout Features
FREE LOOK PERIOD
You have up to 15 days after purchasing the insurance to cancel the plan with refund

ALTERNATIVE TREATMENTS
Get cover for in-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured

TAX BENEFIT
Save taxes under section 80D of the income tax act when buying your health insurance policy

DIRECT CLAIM SETTLEMENT
There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

CASHLESS FACILITY
Avail services at our network hospitals on a cashless basis

RENEWAL FOR LIFE
The policy assures you renewability for life with no extra loadings based on your claim history

Add on Features
OPTIONAL BENEFITS
PERSONAL ACCIDENT COVER Secure your family's finances against personal accidents

CRITICAL ILLNESS COVER Get coverage against illnesses like cancer, kidney failure etc. depending on the base sum insured

ANNUAL AGGREGATE DEDUCTIBLE Various Annual Aggregate Deductible options ranging from 10,000 to 10 lakh are available in the product

Exclusions
PERMANENT EXCLUSIONS
Ancillary hospital charges
Hazardous activities
Artificial life maintenance
Behavioral, Neurodevelopmental and Neurodegenerative Disorders
Circumcision
Conflict & disaster
External congenital anomaly
Convalescence & rehabilitation
Cosmetic and reconstructive surgery
Dental/oral treatment
Eyesight & optical services
Experimental or unproven treatment
Hospitalization not justified
Inconsistent, irrelevant or incidental diagnostic procedures
Non-medical expenses
Obesity and weight control programs
Off- label drug or treatment
Puberty and menopause related disorders
Reproductive medicine & other maternity expenses
Robotic assisted surgery, light amplification by stimulated emission of radiation (LASER) & light based treatment
Sexually transmitted infections & diseases
Sleep disorders
Substance related and addictive disorders
Unlawful activity
Treatment received outside India
Unrecognized physician or hospital
Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded.

PERMANENT EXCLUSION FOR PERSONAL ACCIDENT COVER (OPTIONAL)
We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:
Suicide or self-inflicted injury, whether the insured person is medically sane or insane.
Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
Any change of profession after inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.
Committing an assault, a criminal offence or any breach of law with criminal intent.
Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting
Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.

PERMANENT EXCLUSION FOR CRITICAL ILLNESS COVER (OPTIONAL)
We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the policy.

Behavioral, Neurodevelopment and Neurodegenerative Disorders
AYUSH Treatment
Conflict & disaster
External congenital anomaly
Cosmetic and reconstructive surgery
Experimental/ Investigational or Unproven Treatment
Hazardous Activities
HIV, AIDS, and related complex
Mental and psychiatric conditions
Reproductive medicine & other maternity expenses
Sexually transmitted infections & diseases
Substance related and addictive disorders
Traffic offences & unlawful activity
Unrecognized physician or hospital

WAITING PERIOD
Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal

Initial waiting period of 30 days unless the treatment needed is the result of an accident.

Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)

Please note that Waiting Periods shall not apply to e-consultation, Personal Accident Cover and Critical Illness Cover.