Essential Health Protector
Your Comprehensive Medical Insurance Plan
Key Features |
Benefits |
Sum Insured (INR) |
5 Lakhs, 7.5 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 25 Lakhs, 30 Lakhs |
Flexible Policy Term |
1, 2, or 3 years |
Installment Options (for One-Year Policies) |
Monthly, Quarterly, or Half-yearly |
Co-pay |
10%, 20%, or 25% |
Add-ons |
Consumables, OPD Cover, Dental Cover, Maternity Cover |
Room Rent Coverage |
Depending on Sum Insured |
Intensive Care Unit/Therapeutic Expenses |
Depending on Sum Insured |
Ambulance charges |
Up to Rs. 10000 |
Daily Allowance |
Up to Rs. 1000 |
Domiciliary Hospitalization |
Up to sum insured |
Home Care Treatment expenses |
Up to ₹10,000 or 1% of the sum insured, whichever is lower. |
Pre-Hospitalization |
Up to 60 days |
Post-Hospitalization |
Up to 90 days |
AYUSH Treatment |
Covered |
Portability |
Available |
Get Cashless Treatments in 7000+ Network Hospitals
A person of any nationality can avail the benefits of this health insurance plan. However, he/she should be a normal resident of India or non-native residing in India for a minimum of one year before purchasing the essential health protector policy.
Any person aged 18 years or older is eligible to purchase essential health protector policy. There is no upper age limit, i.e., senior citizens can also purchase this policy. This plan also covers dependent children from the day they are born.
The policy is typically renewable without age restrictions, provided there are no gaps in coverage and no instances of fraud, misrepresentation, or non-cooperation by the insured.
Receive up to Rs. 1,000 per day or 0.15% of the Basic Sum Insured during hospitalization.
Get coverage for medical expenses incurred up to 60 days before hospitalization.
Continue coverage for medical expenses for up to 90 days after hospitalization.
Reimbursement of up to Rs. 10,000 for ambulance charges during hospitalization.
Get coverage for advanced treatments like balloon sinuplasty, oral chemotherapy, immunotherapy, and robotic surgeries up to 50% of sum insured.
Access coverage for over 383 essential day care procedures.
Get financial protection for various hospitalization expenses, including room rent, doctor's fees, and medical procedures.
Avail periodic health check-ups for every claim-free year, subject to the policy's terms and conditions.
Reimbursement for vaccination costs after two consecutive claim-free policy terms.
Coverage for gender reassignment surgery and associated treatments.
Access emergency services like medical evacuation, emergency fund assistance, and repatriation of mortal remains.
*Note: Please refer to the policy wording for detailed coverage details and conditions.
Pre-existing Diseases: Expenses related to pre-existing diseases and their direct complications are not covered till 36 Months from inception of policy. Waiting Period: There is a 30-day waiting period from the policy's start date, during which most illnesses are not covered, except for accident-related claims. Cosmetic Surgery: Cosmetic, plastic, or appearance-altering surgeries are not covered. Rehabilitation and Respite Care: Services focused on general care or addressing social, emotional, or spiritual needs, rather than medical treatment, are not covered. Alcoholism and Substance Abuse: Expenses related to treatment for substance use, misuse, abuse or addiction are not covered. Investigation and Evaluation Expenses: Diagnostic expenses incurred for investigation & evaluation which are not followed by active line of treatment. Maternity Expenses: Maternity-related expenses, including childbirth, normal deliveries, and C-sections, are not covered. Sterility and Infertility: Treatments like IVF, ZIFT, GIFT, ICSI, gestational surrogacy, and sterilization reversal are not covered. Hazardous or Adventure Sports: Injuries sustained while participating in hazardous or adventure sports are not covered. Weight Control Treatment: Surgical treatment for obesity is not covered. Refractive Error: Treatment for refractive errors less than 7.5 diopters is not covered.*Note: Please refer to the policy wording for a detailed list of exclusions and conditions.
Get coverage for OPD consultations and diagnostic services.
Get coverage for dental procedures like root canals, extractions, fillings, and preventive care.
With this add-on, you can get coverage for maternity expenses, which otherwise are not covered under the basic plan.
Essential treatment supplies like bandages, slings, gloves, oxygen masks, etc. can be covered if you opt for this add-on.
*Note: The limit of add-ons varies as per the sum insured selected.
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