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Health Total Individual
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Health Total Individual, gives you a comprehensive cover, a near-perfect answer to all your medical needs. Just one policy and be prepared for unforeseen events.


  • Emergency Medical Evacuation (Applicable for Superior and Premiere plan)
  • Avail for Child Vaccination Benefits and Medical Treatment Abroad (Applicable for Premiere Plan).
  • Long term policy discount in case Policy Term is more than 1 year.
  • Discount of 10% to 25% on premium as per the voluntary deductible and plan opted.
  • No loading on premium for adverse claims experience.
  • Tax exemption U/S 80D of the Income Tax Act.
  • Instalment payment is available monthly, quarterly and half yearly in case policies opted for long term basis.
Title Description
Room Rent Limit Reimbursement of Expenses.
ICU Daily Rent Limit Reimbursement of Expenses.
Pre-Hospitalization Expenses 60 Days
Post Hospitalization Expenses 90/120/180 (As per the plan)
Minimum Hospitalization Period 24 hrs
Day Care Procedure Coverage 131 procedures covered
Automatic Restoration of Sum Insured Upto 100%
Pre-Existing Disease / Illness coverage After 36 months
Waiting Period for New Policy 30 days
Co-Payment 20% (Age 60 to 64 Yrs),25% (Age 65 to 69 Yrs),30%(Age 70 to 74 Yrs),40%(Age 75 to 99 Yrs)
Medical Screening 51 years and above ( Vital plan) 18 years and above (Superior & Premiere Plans).
Ambulance Expenses Rs.1500/2000/5000 (As per the plan)
Non-Allopathic Treatments Covered
New Born Baby Cover Covered
Daily Hospitalization Allowance Rs.350/500/100 per day (As per the plan).
Donor Expenses Covered
Attendant Allowance Rs.500 max.upto 30 Days ( upto 12 yrs)
Nursing Allowance Upto 10% of S.I
No Claim Bonus 50% upto max.100%