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Hospitalisatio Plans Individual/Family Floater
n Cover Family Combinations 1A, 1A+1C, 1A+2C, 2A, 2A+1C,
2A+2C
Entry Age Adults - 18 years to 70 years
Children - 91 days to 21 years
Sum Insured (in INR) 2/3/5/7/10/15/20L
Sub
Sections
Inpatient Care Up to Base Sum
Insured
Hospital accommodation- Up to 4L: 1% of SI
Room Rent/day 5L and Above: Single private room
Hospital accommodation- Up to 4L: 2% of SI
ICU/day 5L and Above: Up to Base SI
Day Care Treatment (for listed conditions) Covered up to Base Sum Insured
Pre - hospitalization Medical Expenses (including Up to Base Sum Insured (30 days)
Medical
Post- hospitalization Medical Expenses Up to Base Sum Insured (60 days)
Inpatient Care under Alternative Treatment Covered upto 20% of Base Sum Insured
maximum of
Domiciliary Hospitalization Covered upto 20% of Base Sum Insured
Organ Transplant Up to Base Sum Insured
Emergency Ground Ambulance- Within INR 2,000 per hospitalization
India
(one transfer per Hospitalization)
Health Check-up per member Up to SI 4L: Not applicable;
INR 1000 (5/7/10L SI), INR 2000 (15/20 L SI)
Co-payment 20% on all claims for aged>60 years
Initial Waiting Period 30 days
Waiting period for Pre-Existing Diseases (PED) 24 months
Waiting Period for Disease Specific 24 months
Exclusions
(List of diseases detailed in Policy
Wording)
Optional Benefit - Critical
illness
Optional Critical Illness Sum Insured (SI) INR 1 lacs, INR 2 lacs
Benefit -
Critical illness Illnesses Covered Covered upto Critical Illness SI. - 11
illnesses
Cover
Pre-Existing Diseases (PED) waiting period 48 Months
Initial waiting 30 days
period
Survival Period 30 days

Internal