Hospitalisation Expenses
Comprehensive reimbursement for in-patient room rent, boarding charges, ICU accommodations, specialist doctor consultations, nursing care, and surgery costs incurred during hospital admissions exceeding 24 hours.
Pre & Post-Hospitalisation
Complete coverage for diagnostic investigations, specialist follow-up visits, diagnostic scans, and prescribed medicines up to 60 days before hospital admission and up to 90 days after discharge.
Day Care Treatment
Technological advancements allow complex surgeries such as cataract removal, dialysis, chemotherapy, and minor orthopaedic procedures to be completed in under 24 hours. All approved day-care procedures are covered.
Zero Room Rent Capping
Freedom from restrictive sub-limits on hospital room tariffs. Choose private single AC rooms or premium suites during hospitalization without facing proportionate deductions on surgical fees or physician charges.
No Claim Bonus (Cumulative Bonus)
Enjoy up to 50% to 100% cumulative bonus increase in your base sum insured for every claim-free year without paying any extra premium, effectively doubling your family protection over time.
Maternity & Newborn Cover
Comprehensive reimbursement for normal and cesarean delivery expenses, prenatal and postnatal complications, along with immediate health insurance coverage for newborn infants from day one under family floater policies.
Automatic Restoration
If unexpected medical bills exhaust your base sum insured during the policy year, the automatic restoration feature reloads 100% of your sum insured immediately for subsequent medical hospitalizations.
Medical Inflation Protection
With healthcare inflation soaring above 14% annually, holding a robust health insurance policy shields your family's personal savings and retirement nest egg from escalating surgical and room rental tariffs.
Cashless Treatment Access
Access over 14,000+ network hospitals PAN-India where medical bills are settled directly between the insurer and hospital billing desk, allowing your family to prioritize treatment over upfront deposits.
Road Traffic Accident Cover
Unforeseen road emergencies demand rapid medical intervention. Policies ensure immediate cashless emergency admission and trauma care hospitalization due to road traffic accidents.
Domiciliary Hospitalization
When a patient's severe health condition prevents hospital transfer or bed shortages occur during medical emergencies, medical treatments administered at home under strict medical practitioner guidance are reimbursed.
Organ Donor Expenses
In organ transplant surgeries where the insured person is the recipient, the policy covers the complete surgical harvesting and hospitalization expenses incurred for the organ donor.
AYUSH Cover
Beyond conventional allopathic medicine, private health plans extend coverage for alternative therapeutic treatments administered at government-recognized Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy hospitals.
Emergency Ambulance Expenses
Emergency road ambulance transit to the nearest network hospital during critical health emergencies is covered, ensuring rapid transfer without out-of-pocket transportation worries.
Annual Health Check-up
Preventive wellness check-ups including vital blood screenings and physician evaluations are provided annually or across claim-free policy blocks to help track and maintain family health.
COVID-19 & Viral Pandemic Cover
Complete protection against unforeseen viral pandemics, covering in-patient hospitalization, respiratory therapy, ICU monitoring, and specialized treatment courses required for infectious illnesses.
Section 80D Tax Benefits
Under Section 80D of the Income Tax Act, premiums paid toward securing your spouse, children, and elderly dependent parents qualify for direct annual tax exemptions up to ₹75,000.
Financial Assistance
Beyond basic bill coverage, comprehensive policies provide vital financial backing during major medical emergencies, ensuring you never have to liquidate hard-earned assets or investments.
Covers Pre-existing Diseases
Pre-existing medical ailments such as hypertension, diabetes, and cardiac conditions are fully covered after completion of policy-specified waiting periods, with specialized plans offering reduced waiting durations.
