userA cost-effective health insurance plan designed to provide comprehensive coverage with affordable premiums suitable for all of India.
Plan Essentials
1. Affordable Policy: A regulator-approved, affordable health insurance policy with economical premiums that make it accessible to everyone in India.
2. Policy Type: Available on Individual or Floater basis.
3. Entry Age
For individuals: Aged between 18 to 65 years.
Under the Floater basis: Covers up to three dependent children aged between 3 months and 25 years.
4. Flexible Policy: Can be availed by individuals or families (self, spouse, dependent children, and parents).
5. Day Care Procedures: Covers medical treatments and surgeries requiring less than 24 hours of hospitalisation due to technological advancements.
6. AYUSH Treatment: Covers treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy in AYUSH hospitals.
7. Modern Treatment: Covers expenses for modern treatments (e.g., Oral Chemotherapy, Robotic Surgeries) up to 50% of the Sum Insured.
8. Cumulative Bonus: Provides a 5% bonus of the Sum Insured for each claim-free year, with a maximum of 50% of the Sum Insured.
Important Highlights
- Policy Term: Available for 1 year.
- Pre-Medical Examination: Required for individuals aged 50 years and above.
- Sum Insured: Ranges from ₹50,000 to ₹10,00,000, in multiples of ₹50,000.
Coverage Details
Hospitalisation Benefits
1. In-Patient Hospitalisation: Covers expenses for hospitalisation of more than 24 hours due to illness, injury, or accidents.
2. Pre-Hospitalisation: Medical expenses incurred up to 30 days before admission are covered.
3. Post-Hospitalisation: Covers medical expenses up to 60 days after discharge.
4. Room Rent: Covers room, boarding, and nursing expenses up to 2% of the Sum Insured, with a maximum of ₹5,000 per day.
5. ICU Charges: Covers ICU charges up to 5% of the Sum Insured, with a maximum of ₹10,000 per day.
6. Road Ambulance: Covers ambulance charges up to ₹2,000 per hospitalisation.
Additional Benefits
1. Cataract Treatment: Covers up to 25% of the Sum Insured or ₹40,000 (whichever is lower) per eye in one policy year.
2. Cumulative Bonus: 5% of the Sum Insured for each claim-free year, up to 50% of the Sum Insured.
3. Co-payment: Each claim is subject to a 5% co-payment on the admissible claim amount.
4. Rural Discount: 20% discount on premium for policies purchased in identified rural areas.
5. Lifelong Renewal: Offers a lifelong renewal option for policyholders.
6. Instalment Options: Premiums can be paid quarterly, half-yearly, or annually.
Key Highlights
- Comprehensive coverage for hospitalisation, day-care procedures, and modern treatments.
- Discount options for rural areas and claim-free years.
- AYUSH treatments covered, along with modern treatments like robotic surgeries.
- Lifelong renewal option and
- flexible premium payment options.
For more details, please refer to the Policy Documents and Terms & Conditions.
Rahul Khanna
