Coverages-
1. In-patient treatment
• Covers expenses for hospitalization due to disease/illness/injury during the policy period that requires an insured person's admission to a hospital as an inpatient
2. High-end diagnostics
• Covers the insured person for the listed diagnostic provided in the policy wordings on an OPD basis if required as part of a treatment
3. Accidental death benefit
• Covers 100% of the base sum insured, a maximum of up to 50 lakhs in the event of death of an insured person due to an accident. This benefit is not applicable to dependent children covered in the policy
4. Maternity cover
• We will cover maternity expenses, up to limits as specified in the benefit table, per policy subject to a waiting period of 4 years of continuous coverage under this policy.
5. First-year vaccinations
• Covers vaccination expenses for up to one year after the birth of the child provided the child is covered by us
6. Organ donor
• Covers medical and surgical expenses of the organ donor for harvesting the organ where an insured person is the recipient
7. Compassionate travel
• Domestic-
Covers expenses related to a round-trip economy class air ticket, or first-class railway ticket, to allow the immediate family member to be at the insured person's bedside during his stay in the hospital in India
• Global*-
Covers expenses related to round trip economy class air ticket, to allow the immediate family member to accompany the insured person for the purpose of planned treatment outside India.
8. OPD dental treatment
• Covers expenses related to the root canal, filling, and tooth extractions over and above the sum insured. Does not impact the cumulative bonus.
9. Home physiotherapy*
• As a part of post-hospitalization expenses cover, 15 physiotherapy sessions arranged at home by our empaneled service providers within India
| Eligibility and Coverage Details |
| Family Definition |
Self + Spouse + 2 kids |
| Entry age (Adult) |
18 yrs to 65 yrs |
| Entry age (Child) |
90 days to 25yrs |
| Policy tenure |
Annual (1yr, 2yr, 3yr) |
| Sum insured (Individual & floater basis) |
INR 5 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 25 Lakhs, 50 Lakhs, 75 Lakhs, 1 Crore, 2 Crore, 3 Crore |
| Pre-Post hospitalization |
60 days pre-hospitalization and 90 days post-hospitalization for SI up to 50L, 200 days for above 50L. |
| Day care treatment |
Covered up to the sum insured |
| Domiciliary treatment |
Covered (shall not be applicable for Global Cover) |
| Pre-existing & specific illness waiting period |
Covered after a waiting period of 2 and 3 years respectively |
| Initial waiting period |
30 days (except in the case of accident cover which is from day 1) |
| Health check-up |
Up to 1% of the previous sum insured subject to a maximum of Rs.10,000/- per policy |
| Compassionate travel |
Covers expenses up to 20,000 to allow the immediate family member to be at the insured person's bedside during his stay in the hospital |
| Restore benefit |
Automatically restore the basic sum insured upon exhaustion of the sum insured and accrued cumulative bonus, during the policy period. This benefit can be availed once during the policy period |
| Ambulance cover |
Up to Rs.3000 per hospitalization |
| Ayush |
Covers on an in-patient basis hospitalization treatment |
| Premier Exclusive Benefits |
| Opd treatment |
Post 2 years of the waiting period, expenses related to consultations and pharmacy up to limits are covered |
| Global cover for planned hospitalization |
Cover for medical expenses of the insured person incurred outside India, up to the sum insured, provided that the diagnosis was made in India and the insured travels abroad for treatment |
| Maternity cover |
Cover for maternity expenses, up to limits, per policy subject to a waiting period of 4 years of continuous coverage |
| Emergency air ambulance cover |
Pay for ambulance transportation of the insured person in an airplane or helicopter |
| Prolonged hospitalization |
Will pay a fixed amount of 1% of the sum insured, in the event of the insured being hospitalized for a disease/illness/injury for a continuous period exceeding 10 days |
| Wellness service |
I. Unlimited teleconsultation general
ii. Unlimited teleconsultation-specialist
iii. Health condition management
a. Diet & weight management program
b. Stress management program
iv. Redeemable voucher/discount on services
v. Ambulance booking facility
vi. Emergency help me feature |
