Outpatient Consultation expenses incurred at any Networked Facility in India
Non Allopathic treatment Expenses : Outpatient medical consultation and treatment expenses incurred under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines in any institute recognized by the Government of India and/or accredited by the Quality Council of India/National Accreditation Board on Health.
Diagnostics, Physiotherapy and Pharmacy Expenses incurred at any Networked Facility in India for treatment as an Outpatient.
Dental treatment expenses to a natural tooth or teeth arising out of accidents incurred at any Networked Facility in India as an Outpatient
Ophthalmic Treatment expenses arising out of accidental injuries accidents incurred at any Networked Facility in India as an Outpatient
Renewal Discount: At the time of renewal, the insured person is eligible for a discount of 25% of the premium after every block of two continuous claim free years.
The Company shall not be liable under this policy directly or indirectly for;
- First 30 days (Applicable for all plans)
- 48 months for pre-existing disease (Applicable for Silver plan)
- 24 months for pre-existing disease (Applicable for Gold plan)
- 12 months for pre-existing disease (Applicable for Platinum plan)
- For Adults - from 18 years to 50 years
For Dependent Children - from 31st day (Children can continue up to 25 years under Floater policy)
Note: Dependent Children means a child (natural or legally adopted) aged between 31 days and 25 years, who is financially dependent and does not have his or her independent source of income
Sum Insured Options:
- Rs.25,000, Rs.50,000 , Rs.75,000 and Rs.1,00,000
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
Free Look Period:
A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals).
Grace Period For Renewal:
30 days from date of expiry of policy.
NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.