“Don’t forget to protect yourself from unfortunate illnesses”. This policy covers you and your family against expenses of hospitalization, organ transplant, surgical expenses and medical expenses in case of injury or illness. You can cover your whole family under this policy.
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Sum insured can be taken less than or more than 5 lacs. Premium will depend upon number of family members covered and the age of the persons covered under this policy.
Policy Details
Coverage: Self, spouse, mother, father, brother,sister,brother in law, sister in law,nephew, niece and the relatives who are of the same family.
Policy period: Policy is issued for 1 year and this policy requires renewal at the end of policy period for continuous coverage.
Portability: If the insured wants to port his policy from the present insurer to new insurer, it should inform to the insurance company 45 days prior to the date of renewal.
Free look period: After buying the policy if the policy holder is not satisfied with the policy, a free look period of 15 days is given to the policyholder to return the policy.
Refund of premium: In case of fraud or misrepresentation, insurer can cancel the policy .In case insured wants to cancel the policy, he/she is entitled to refund of premium as follows.
Period of cover) |
Refund of annual premium rate (%) |
up to 1(one) month |
75% (seventy five percent) |
Up to3(three) months |
50% (fifty percent |
Up to 6(six) months |
25% (twenty five percent) |
Exceeding 6 months |
nil |
*The above rates may change. Please check the policy wordings for more details.
To cover critical illnesses, an additional premium of 30% of basic premium should be paid .It covers critical illnesses such as:
Documents Required
The proposer needs to fill an application/proposal form to buy this policy. Insurer might ask the proposer to submit his past medical history.
Eligibility criteria
The proposer for this policy should be in the age slab of 18 years to 65 years.
Expenses(for sum insured less than 5 lacs) |
Class A |
Class B |
Room expenses |
1.75%of sum insured |
1.50% of sum insured |
ICU expenses |
3% of sum insured |
2.5% of sum insured |
No. Of Claims |
Percentage of Co-payment |
First claim |
Ni |
Second claim |
7.5%(seven and half percent)of the admissible claim amount |
Third claim |
10%(ten percent) of the admissible claim amount |
Fourth claim and above |
20%(twenty percent) of the admissible claim amount |