Actual expenses for till expiry of current policy period
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1% of Sum Assured
0.75%(one percent) of the sum insured or Rs. 2500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , 5000 or 1% of average sum insured at the end of block of every 3 claim free years
Covered , 1% (one percent) of the average sum insured during the block of four claim free policies.
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
Actual expenses , Subject to Maximum of 25
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 5% (five percent) of the basic sum insured at each renewal in respect of each claim free year of insurance, subject to maximum of 50% (fifty percent) of the insured person’s basic sum insured of the expiring
