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• Medical expenses incurred as an inpatient during hospitalisation for more than 24 hours, including room charges / ICU charges, doctor/ surgeon's fee, medicines bills, etc
• Medical expenses incurred, immediately, 30 days prior and 60 days post hospitalization
• Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy)
• Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy)

The minimum entry age starts from 6 years under individual policy and 3 months under a floater policy. 

What is not covered

Exclusions valid for the first 30 Days

Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals

Exclusions valid for the first 2 Years

Treatment of the following diseases/illness/ailments:

• Cataract*
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy unless because of malignancy
• Hernia, Hydrocele
• Fissures & / or Fistula in Anus, hemorrhoids/Piles
• Arthritis, Gout, Rheumatism and spinal disorders
• Joint replacement, unless due to accident
• Sinusitis and related disorders
• Stone in the urinary and biliary systems
• Dilatation & Curettage, Endometriosis
• All types of Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
• Dialysis required for chronic renal failure
• Surgery on tonsils, adenoids and sinuses
• Gastric and duodenal erosions & ulcers
• Deviated Nasal Septum
• Varicose Veins/Varicose Ulcers

If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the two years** onwards, subject to continuous renewal of the policy with us.
*Any claim for Cataract treatment shall not exceed Rs 20,000 per eye, during each Policy Year after 2 years from the Policy start date
**4 years for Sum Insured 2 lacs

Permanent exclusions

• Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years for sum insured of Rs. 3 Lac, Rs. 4 Lac, Rs. 5 Lac, Rs. 7 Lac, Rs. 10 Lac and for 4 consecutive years for sum insured of Rs. 2 lacss
• Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
• Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
• War, civil war or breach of law
• Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
• Treatment taken outside the country
• Any expenses arising out of Domiciliary Treatment

For details, kindly refer to Policy Wordings.

• The customer can buy the policy for any family member(s) children and / or parents
• The insured should be above 3 months in case of floater and 6 years in case of individual. To cover children aged between 3 months to 5 years, the policy must also cover at least 1 adult
• The Proposer needs to be aged above 18 years
• Individual(s) proposed for Insurance whose age is 46 years & above have to undergo medical tests at designated diagnostic centers
• The policy offers guaranteed lifetime renewability.
• Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, Parents and Dependent children.

For details, kindly refer to Policy Wordings.