Sum Insured (SI) in ₹ | 2, 3, 4 lakhs | 5, 7.5, 10, 15, 20, 25, 50, 100 lakhs | 25, 30, 50, 100, 150 lakhs |
Baseline Cover Benefits |
Cover for day care procedures | Covered up to SI | Covered up to SI | Covered up to SI |
Pre and post hospitalisation expenses | 30/60 days, Covered upto SI | 60/90 days, Covered upto SI | 60/180 days, Covered upto SI |
All Day care procedures | Covered up to SI | Covered up to SI | Covered up to SI |
Ambulance Cover | Up to ₹3,000 | Up to ₹5,000 | Up to ₹10,000 |
Organ Donor Expenses | Covered upto SI | Covered upto SI | Covered upto SI |
Other Benefits |
Domiciliary hospitalisation | Covered up to SI | Covered up to SI | Covered up to SI |
No Claim Bonus | 10% of Base SI upto a max of 50% of SI | 20% of Base SI upto a max of 100% of SI | 20% of Base SI upto a max of 100% of SI |
Re-load of Sum Insured | Upto Base SI | Upto Base SI | Upto Base SI |
AYUSH Treatment | Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹20,000 | Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹30,000 | Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹50,000 |
Vaccination in case of Animal Bite | Upto ₹2,500 | Upto ₹5,000 | Upto ₹7,500 |
Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor) | Not Covered | Covered upto ₹1 lakh | Covered upto ₹3 lakhs |
Worldwide Emergency hospitalisation - Excluding US and Canada | Not Covered | Not Covered | 50% of Base SI upto max of ₹20 lakhs; Deductible of $1,000 per hospitalisation |
International Treatment abroad for specified 11 critical illnesses - Excluding US and Canada | Not Covered | Not Covered | Covered upto SI with a 20% co-pay. Return Airfare covered upto ₹3 lakhs |
Second Opinion for 11 specified Critical Illness | Not Covered | Available once during the policy year | Available once during the policy year |
OPD Treatment | Not Covered | Not Covered | Upto ₹10,000 |
Health & Wellness Benefits |
Health Check-up | Available once every 3rd policy year | Annual | Annual |
Preventive Healthcare & Wellness & Disease Management | Available | Available | Available |
Maternity Benefits |
Maternity cover for up to 2 deliveries | Not Covered | Not Covered | For SI upto ₹50 lakhs - ₹2 lakhs For SI > ₹50 lakhs - ₹2.5 lakhs |
New Born Baby Cover | Not Covered | Not Covered | 25% of SI |
Vaccinations for new born baby in the first year | Not Covered | Not Covered | Covered upto 10,000 |
Optional Benefits |
Top-up plan on annual aggregate basis | Deductible of ₹1, 2, 3, 4, 5 and 10 lakhs | Deductible of ₹1, 2, 3, 4, 5 and 10 lakhs | Not Available |
Hospital Cash (for 30 days in case of hospitalisation beyond 2 days) | ₹1,000/day | ₹2,000/day | ₹5,000/day |
Option to include US and Canada for Worldwide Emergency hospitalisation and International Treatment for 11 specified Critical Illness | Not Available | Not Available | Available |
Optional Plus Benefits | Classic | Supreme | Elite |
App based cabs as a part of ambulance cover | Not Available | Up to ₹5,000 | Up to ₹10,000 |
RRefresh of Sum Insured | Not Available | Once in a lifetime, for the same illness | Once in a lifetime, for the same illness. |
In patient PED cover for life threatening condition | Not Available | Up to ₹1,00,000 | Up to ₹2,00,000 |
Bariatric Surgery | Not Available | Up to ₹50,000, with a 6-year waiting period | Up to ₹2,00,000, with a 4-year waiting period |
Mobility Devices - Wheel chairs, Crutches, etc. | Not Available | Up to 5% of SI or ₹50,000 (whichever is less) | Up to ₹50,000 |
2nd Opinion for additional 11 critical illness (total 22) | Not Available | Available | Available |
International treatment abroad for 3 additional critical illness (total 14) | Not Available | Not Available | Available |
In-Vitro Fertilization treatment (IVF) | Not Available | Not Available | Up to ₹2,50,000 with a 4-year waiting period |