Plan Essentials 

Wide Cover 

This policy provides wide coverage including self, spouse, dependent children (maximum 3), parents and parents-in-law. 

Mid-Term Inclusion 

Newly married / wedded spouse, New Born Baby and legally adopted child can be covered under the policy on payment of an additional premium. 

Delivery Expenses 

Delivery expenses including the Caesarean section (both pre-natal and post-natal) are covered up to 10% of the Sum Insured. 

New Born Cover 

Hospitalisation expenses for the treatment of newborn are covered from day one of birth till the expiry date of the policy subject to limits. However, the sublimit will not apply for treatment related to congenital disease/defects for the new born. 

Automatic Restoration of Sum Insured 

On partial or full utilisation of the Sum Insured during the policy period, 100% of the Sum Insured will be restored unlimited number of times in the policy year that can be utilised for all the claims. 

Home Care Treatment 

Expenses incurred for home care treatment for specified conditions are covered up to 10% of the Sum Insured subject to the maximum of Rs. 5 Lakh in a policy year. The insured person can avail this service either on a cashless or reimbursement basis. 

Chronic Severe Refractory Asthma 

In-patient hospitalisation, Day Care, Home Care and Outpatient expenses incurred for the treatment of Chronic Severe Refractory Asthma are covered up to 10% of the Sum Insured subject to the maximum of Rs. 5,00,000/- per policy period. 

Assisted Reproduction Treatment 

Expenses incurred for proven Assisted Reproduction Treatments are covered up to the specified limits. 

• This policy can be availed either on an Individual or Floater basis. 
• Any person aged between 91 days and 75 years can avail this policy on an Individual basis. 
• Any person aged between 18 and 75 years can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 16 days and 17 years are covered. 
• Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.