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Medicare Plus Individual
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health insurance top-up plan designed as an economical and affordable option supplementing over and above the basic health insurance policy.


  • Higher sum insured options upto 1 Crore
  • Longer tenure upto 3 years
  • Deductible options available are Rs. 2 lakhs, Rs. 3 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs & Rs. 20 lakhs
  • Global Cover (optional)
  • No PPC, only Tele MER
  • Consumables Benefit
  • Higher Cumulative Bonus
Title Description
Ambulance Expenses Rs. 3000 per Hospitalization.
Day Care Procedure Coverage 540+ day care procedures covered
Donor Expenses Covers Medical and surgical Expenses of the organ donor for harvesting the organ where an Insured Person is the recipient.
Free Health Checkup 1% of previous year policy sum insured subject to a maximum of Rs. 10,000/-
ICU Daily Rent Limit Covered
Medical Screening Compulsory for insured of the age of 46. For all age groups if SI is above 10 lakh.
Minimum Hospitalization Period 24 hours
No Claim Bonus 50% increase in cumulative bonus for every claim free (max 100%) year In case of claim 50% decrease in bonus
Non-Allopathic Treatments Treatment under AYUSH is covered
Post Hospitalization Expenses 90 days
Pre-Existing Disease / Illness coverage Any pre-existing condition will be covered after a waiting period of 36 months.
Pre-Hospitalization Expenses 60 days
Room Rent Limit Covered
Waiting Period for New Policy 30 days