In case of claim free year increase of 50% of base sum insured in a policy year; maximum up to 100% (In case of a claim reduction of accumulated cumulative bonus by 50% of base sum insured).

All catagories room available.

Covered after an initial waiting period of 30 days from the policy start date.

This plan does not cover maternity benefit.

Unlimited reinstatement of Sum Insured applicable for any illness or anyone insured.

Full claim paid by insurer.

3 years waiting period for Pre existing disease

This plan does not cover eye & dental expense.

Annual (From Day 1)For defined list of tests; up to Rs. 600 for every Rs. 1 Lac Sum Insured (Individual policy: maximum Rs. 5 000 per Insured; Family Floater policy: maximum Rs. 10 000 per policy).

Medical expenses of organ donor are covered Upto Sum insured.

Coverage available for medical expenses incurred 60 days before hospitalisation.

Ambulance charge covered upto Rs 2000 per hospitalization. In Air Ambulance - Cashless claim : Covered upto Sum Insured and Reimbursement claim : Covered upto Rs 2.5 Lacs.

This plan does not cover infertility treatment.

This plan does not cover second opinion.

2A+3C

Not available

Not available

Not available

Not available

Step 1: Hospitalisation

Get yourself admitted to the hospital of your choice. Get the treatment done.

InsuranceDekho Benefit: Our Dedicated Claims Team will help in starting the claim process with the insurer.

Step 2: Third Party Administrator (TPA) form filling

Visit the TPA desks for Pre-Authorization Request Form at hospital, submit the same to the insurer.

InsuranceDekho Benefit: Our Dedicated Claims Team will help in starting the claim process with the insurer.

Step 3: Cashless Approval

Insurer provides the cashless approval after verifying all the details and documents submitted by you.

InsuranceDekho Benefit: Assist you in getting priority approvals from the insurer.

Step 4: Claim Settlements

Avail the required medical treatment. The insurance company will directly settle the bills at the network hospital.

InsuranceDekho Benefit: Helps in getting final settlements done for a hassle free hospital discharge.

Step 1: Hospitalisation

Get yourself admitted to the hospital of your choice. Get the treatment done.

Step 2: Claim Intimation

Collect all the relevant documents with the claim intimation form to be submitted to the insurer.

InsuranceDekho Benefit: Our Dedicated Claims team will guide you through all the relevant documents that need to be collected at the time of discharge and assist you in filling claim intimation form.

Step 3: Claim Approval

After assessing the documents, your claim will be approved.

InsuranceDekho Benefit: Assist you in getting priority approvals from the insurer.

Step 4: Claim Settlements

Medical expenses will be reimbursed within a few working days.

InsuranceDekho Benefit: Helps in getting hassle free money reimbursement done.