Room Rent, Boarding, Nursing Expenses up to 2% of the sum insured subject to maximum of Rs.5000 per day.
Intensive Care Unit (ICU) / (ICCU) expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day.
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities and such similar other expenses.
Cataract: Up to 25% of Sum insured or Rs.40,000, whichever is lower (for each eye).
Dental treatment, necessitated due to disease or injury
Pre-Existing Diseases: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us.
First Thirty Days Waiting Period: Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Specific Waiting Period: Expenses related to the treatment of the listed conditions, shall be excluded until the expiry of 24/48 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer.
The insured may cancel this policy by giving 15 days written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired policy period.
