• This unique health policy covers you not only for the usual hospitalization expenses, but also for Out Patient Treatment expenses (OPD expenses) caused by, including but not limited to, accidents arising out of terrorist activities.
• You can also save tax under Section 80 D of the Income Tax Act.

• Covers Outpatient Department (OPD) expenses, such as diagnostics tests, dental treatment, medical bills, ambulance charges etc.
• Avail Cashless Claim facility at 3,500 network hospitals across India.
• A maximum of 2 adults can be covered under a single policy.
• Pre-existing illness covered after 2 years, subject to continuous renewal of the policy.
• No health check up required upto the age of 55 years (as on last birthday).
• Free health check-up coupon for any one insured family member.
• Insurance against Terrorist activities.

• Basic Hospitalization Cover:
• Covers medical expenses incurred:

As an inpatient during hospitalization for more than 24 hours, including room charges, doctor's / surgeon's fee, medicines, diagnostic tests, etc.

• 30 days prior to hospitalization
• 60 days post hospitalization
• Pre-existing diseases shall be covered after 2 years

Following technologically advanced treatments do not need 24-hour hospitalisation but are covered under this policy are:-

• Cataract (limited to Rs. 20,000 per eye)
• Lithotripsy (Kidney Stone Removal)
• Tonsillectomy
• Eye Surgery
• Dialysis
• Dilatation & Curettage
• Chemotherapy
• Radiotherapy
• Coronary Angiography
• Cardiac Catheterization

Outpatient Department (OPD):

• Room, Boarding Expenses as charged by the Hospital
• Nursing Expenses
• Expenses related to Dental Treatment
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees
• Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Consumables, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Cost of Artificial Limbs External Medical Aids, Dental treatment charges, Ambulance charges

*Note The OPD claims can be made only on a re-imbursement basis. You can lodge a claim only once during the Period of Insurance, i.e. 90 days after commencement of policy and 30 days after expiry of the Period of Insurance.

• The enrolment age (of the senior most family member) should be between 5 years to 65 years.
• The policy cover is renewable till the age of 70 years.
• The customer can buy the policy only for his two family members - defined as self, spouse or dependent children or dependent parents for the purpose of income tax exemption u/s Sec. 80D.

• 30 Day Exclusions:

  Medical charges incurred, except those arising out of accidental injuries, within the first 30 days from the start date of the policy are not covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.

• 2 Year Exclusions:

  Expenses incurred on treatment of following diseases within the first two years from the start date of the policy are not covered:

• Cataract
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy unless because of malignancy
• Hernia, Hydrocele
• Fistula in Anus, Piles
• Arthritis, Gout, Rheumatism
• Joint replacement, unless due to accident
• Sinusitis and related disorders
• Stone in the urinary and biliary systems
• Dilatation & Curettage
• Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids
• Dialysis required for chronic renal failure
• Surgery on tonsils and sinuses
• Gastric and duodenal ulcers

Note: - These above diseases are covered from third year, if the policy is renewed with us for two consecutive years.

Permanent Exclusions:

• Any internal congenital illness.
• Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic and obesity related treatment.
• Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury.
• War, riots, strike, nuclear weapon induced treatment.

Exclusions applicable to OPD (Outpatient Department Expenses):

• Suicide or self-inflicted injury
• Alcohol or drug abuse
• War, riots, terrorism, nuclear related hospitalization
• Non-allopathic treatment, experimental and unproven treatment
• Expenses arising from treatment of HIV/ AIDS or related disease, use or misuse of alcohol and other intoxicating substances and intentional self-injury.