Health Wallet

• Lifelong Renewal – Renew your cover lifelong and stay covered forever.
• No sublimit on Room Rent – You can get the room you like and the treatment you deserve without a hassle
• Cashless Transactions – This plan enables you to get treated on a cashless basis in 4650 hospitals in over 800 cities
• No claim loading –No loading on your renewal premium even if you claimed after taking our policy
• Quick Turnaround time – 90% of pre-authorization is done within 2 hours
• Quick claim payment – When it comes to claim payment, we’re one of the fastest in the industry to honor every genuine claim
• Certified Associates – We are equipped with well-trained field partners and sales executive
• Easy Upgrade – You can upgrade your cover to the next slab at the time of your renewal.
• No medical tests till the age of 55 years and sum insured of 20 lakhs.

• In-patient Treatment - Covers hospitalisation expenses for period more than 24 hrs.
• Pre-Hospitalisation - Medical expenses incurred in 60 days before the hospitalisation.
• Post-Hospitalisation - Medical expenses incurred in 90 days after the hospitalisation.
• Day-Care procedures - Medical expenses for day care procedures.
• Domiciliary Treatment - Medical expenses incurred for availing medical treatment at home which would otherwise have required hospitalisation.
• Organ Donor- Medical expenses on harvesting the organ from the donor for organ transplantation.
• Emergency Ambulance - Upto INR 2,000 per hospitalisation for utilizing ambulance service for transporting insured person to hospital in case of an emergency.
• AYUSH Treatment - The Medical Expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy
• Recovery – Lump sum benefit of INR 10,000 for hospitalisation exceeding 10 days
• Worldwide Emergency Care - Covers emergency hospitalisation expenses outside India up to the specified limit

Benefit that gives you 6% annual bonus and also pays for your out of pocket expense like pharmacy bills, doctor consultations, dental, diagnostic tests, non-payable medical items etc. It also pays for your renewal premium.

Re-instatement of the basic sum insured if the basic sum insured and multiplier benefit has been exhausted during the policy year. The Restore Sum Insured can be used for only future claims made by the Insured Person and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year If the restore sum insured is not utilized in a policy year, it shall not be carried forward to any subsequent policy year.

Individual

Floater

• Multiplier Benefit - 50% increase in your basic sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the limit under this benefit would be reduced by 50% of the basic sum insured in the following year. However, this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy.
• Preventive Health Check-up - At each renewal, we will pay upto the amount stated for preventive medical check-up.

• 30 days for all illnesses (except accident) in the first year and is not applicable in subsequent renewals
• 24 months for specific illness and treatments in the first two years and is not applicable in subsequent renewals
• Pre-existing Diseases will be covered after a waiting period 36 months.

War or any act of war, nuclear, chemical and biological weapons, radiation of any kind, breach of law with criminal intent, intentional or attempted suicide, participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing, abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol, treatment of obesity and any weight control program, Psychiatric, mental disorders, congenital internal or external diseases, defects or anomalies, genetic disorders; sleep apnoea, expenses arising from HIV or AIDs and related diseases, sterility, treatment to effect or to treat infertility, any fertility, sub-fertility, surrogate or vicarious pregnancy, birth control, circumcisions, treatment for correction of refractive error, plastic surgery or cosmetic surgery unless required due to an Accident, Cancer or Burns, any non allopathic treatment.

Please refer to the policy wording for the complete list of exclusions.

For premium paid on policies as per section 80D of the Income Tax Act. Tax benefits are subject to income tax laws. .