Benefits |
Plan A |
Plan B |
Sum Insured (in Rs.) |
3 lacs, 6 lacs, 9 lacs |
12 lacs, 15 lacs, 18 lacs |
Domestic Road Ambulance |
Rs. 1500 |
Rs. 3,000 |
Policy Service Guarantee |
Sum insured of Rs. 10,000 for delay in policy issuance |
Sum insured of Rs. 20,000 for delay in policy issuance |
Accidental Cover for no claim renewal |
No |
Rs. 1 lac personal accident – death cover for – policyholder – insured |
Insurance Renewal |
No |
One time premium waived, in case of listed illnesses |
Benefits common across Plan A and Plan B |
||
Pre and Post hospitalization expenses |
Up to 60 days |
|
Re-instatement of Base Sum Insured |
Up to 100% of base sum insured and 20% of illness/injury |
|
Hospitalization Expenses a. Inpatient treatment b. Day-care treatment |
Yes |
|
Donor Expenses |
50% of base sum insured, maximum up to 5 lacs |
|
Domiciliary Hospitalisation |
10% of base sum insured, maximum up to 5 lacs |
|
Wellness |
Yes |
|
Cumulative Bonus (every claim free year) |
1/3% increase in base sum insured, maximum up to 100% |
|
Call Option |
After every 4 claim-free years up to maximum 4 times base sum insured |
Particulars |
Plan A |
Plan B |
Pre-Policy Issuance Medical Check-up |
>=46 years |
>= 18 years |
Entry Age – Minimum |
Individual/Floater – 5 years or above Children – between 91 days & up to 4 years can be covered under floater, with at least one member aged 21 years |
|
Entry Age – Maximum |
65 years, no entry age bar for an insured sum of Rs. 3 lacs |
65 years |
Exit Age |
No Exit Age, the policy offers long time renewability |
|
Tenure |
1 or 2 years |
|
Maximum Members |
Individual – 6 Floater – 6 under the same floater = 4(children)+ 2 (members>=21 years of age) |
|
Waiting period |
Any illness – 30 days, Named Ailments – 2 years, Pre-existing diseases – 18 months |
|
Co-payment |
20% of assessed claim amount for those insured whose age at entry is 61 years or above |