India's 1st IRDAI Approved Insurance Web Aggregator
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Sum Insured (SI) in Rs. |
Classic |
Supreme |
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Elite |
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2,3,4 lakhs |
5,10,15,20,50 lakhs |
25,30,50,100,150 lakh |
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Baseline cover benefits |
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Inpatient Care |
Covered up to SI |
Covered up to SI |
Covered up to SI |
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Pre and post hospitalization expenses |
30/60 days, Covered upto SI |
60/90 days, Covered upto SI |
60/180 days, Covered upto SI |
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All Day care procedures |
Covered up to SI |
Covered up to SI |
Covered up to SI |
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Ambulance Cover |
Up to Rs.3,000 |
Up to Rs.5,000 |
Up to Rs.10,000 |
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Organ Donor Expenses |
Covered upto SI |
Covered upto SI |
Covered upto SI |
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Other Benefits |
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Domiciliary Hospitalization |
Covered upto SI |
Covered upto SI |
Covered upto SI |
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No Claim Bonus |
10% of Base SI upto a max of 50% of SI |
20% of Base SI upto a max of 100% of SI |
20% of Base SI upto a max of 100% of SI |
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Re-load of Sum Insured |
Upto Base SI |
Upto Base SI |
Upto Base SI |
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Ayush Treatment |
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.20,000 |
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000 |
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.50,000 |
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Vaccination in case of Animal Bite |
Upto Rs.2,500 |
Upto Rs.5,000 |
Upto Rs.7,500 |
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Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor) |
Not Covered |
Covered upto Rs.1lakh |
Covered upto Rs.3lakhs |
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Worldwide Emergency Hospitalization |
Not Covered |
Not Covered |
50% of Base SI upto max of Rs.20lakhs; Deductible of $1,000 per hospitalization |
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International Treatment abroad for specified 11 critical illnesses |
Not Covered |
Not Covered |
Covered upto SI Return Airfare covered upto Rs.3 lakh |
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Health & Wellness Benefits |
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Health Check-up |
Once in 2 years |
Annual |
Annual |
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Preventive Healthcare & Wellness |
Available |
Available |
Available |
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Second Opinion for 11 specified Critical Illness |
Not Covered |
Available once during the policy year |
Available once during the policy year |
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OPD Treatment |
Not Covered |
Not Covered |
Upto Rs.10,000 |
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Maternity Benefits |
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Maternity cover for up to 2 deliveries |
Not Covered |
Not Covered |
For SI upto Rs.50laks - Rs.2lakhs |
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New Born Baby Cover |
Not Covered |
Not Covered |
25% of SI |
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Vaccinations for new born baby in the first year |
Not Covered |
Not Covered |
Covered upto 10,000 |
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Optional Benefits |
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Top-up plan on annual aggregate basis |
Deductible of Rs.1,2,3,4,5 and 10 lakhs |
Deductible of Rs.1,2,3,4,5 and 10lakhs |
Not Available |
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Hospital Cash (for 30 days in case of hospitalization beyond 2 days) |
Rs.1,000/day |
Rs.2,000/day |
Rs.5,000/day |
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Option to include US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness |
Not Available |
Not Available |
Available |
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Particulars |
Criteria |
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Entry Age (in years) |
Minimum |
91 days for dependent children, 18 years for proposer or adults |
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Maximum |
25 years for dependent children, lifetime entry age for adults |
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Policy Type |
Individual or family floater |
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Family Coverage |
Self, spouse and up to 4 dependent children. Separate floater plan can be taken for parents or other dependents. |
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Sum Insured Enhancement |
Only at the time of renewals |
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Policy Tenure |
Option of 1 year, 2 years as well as 3 years Discount of 7.5% if you opt for 2 years tenure and 12% if you opt for 3 years tenure |
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