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Health Wise Floater
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Health Wise is a health insurance policy for you and your family that aims at covering hospitalization medical expenses and other incidental expenses in case insured person gets hospitalized.


  • No Sub-limits, No room rent capping
  • No Medical Tests up to 45 Years
  • Get 5% discount on renewal premium for each claim free Year
  • Domiciliary Hospitalization expenses are also covered
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Room Rent Limit No sub-limit on Room Rent
ICU Daily Rent Limit No sub-limit
Pre-Hospitalization Expenses 60 days for Gold and Silver Plan. 30 days for Standard Plan
Post Hospitalization Expenses 90 daysfor Gold And silver Plan. 60 days for Standard Plan
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage 171 day care procedures covered
Pre-Existing Disease / Illness coverage Covered after 2 continuous renewals under Gold and Silver Plan. After 4 continuous renewals for Standard Plan
Waiting Period for New Policy 30 days
Free Health Checkup 1% of average sum insured for individual policies and upto 1.25% for floater covers, once at the end of a block of four consecutive years
Ambulance Expenses For Gold Plan Upto Rs.1000/- , For Silver Plan Upto Rs.750/-, For Standard Plan Upto Rs.500/-
Daily Hospitalization Allowance Under Gold Plan Rs.250 per day up to 7 days
Donor Expenses Upto 50% of base sum assured subject to maximum of Rs 5 lakh
Attendant Allowance For Gold Plan Rs.300/- per day for a maximum period of 5 days, For Silver Plan Rs.250/- per day for a maximum period of 5 days, For StandardRs.200/- per day for a maximum period of 5 days
Nursing Allowance Rs.300 per day for a maximum period of 5 days under Gold Plan, Rs.250 per day for a maximum period of 5 days under Silver Plan
No Claim Discount Up to 5% of base premium, Max 20%
No Claim Bonus accidental death cover of 100000, for claim-free policy year