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This is an annual aggregate deductible policy.


  • Additional coverage upto Rs. 30 lacs at an aordable premium
  • Choice of any hospital room
  • Covers both Allopathic and AYUSH in-patient treatments upto Sum Insured
  • Inflation protection Guaranteed Cumulative Bonus
  • Guaranteed continuity benefit on deductible on buying a separate Base policy from 5th Policy year onwards
Title Description
Additional Cover for Critical Illness Add On Pays an additional lumpsum amount upto 100% of Base SI opted.
Ambulance Expenses Actual incurred expenses paid per hospitalisation event
Day Care Procedure Coverage Covered upto Sum Insured
Donor Expenses In-patient hospitalisation Medical Expenses towards the donor for harvesting the organ in case of major organ transplant is covered
ICU Daily Rent Limit No Capping
Medical Screening Required if insured's age is more than 65 years
Minimum Hospitalization Period 24 hours
No Claim Bonus A guaranteed 5% Increase in Sum Insured per policy year, maximum up to 50% of Sum Insured.
Non-Allopathic Treatments Not covered
Post Hospitalization Expenses 90 days
Pre-Existing Disease / Illness coverage After 48 months of continuous coverage
Pre-Hospitalization Expenses 60 days
Room Rent Limit There is no room rent capping, any category of hospital room can be opted upto the policy Sum Insured.
Waiting Period for New Policy 30 days