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        Any one in the age of 5 to 65 years can opt for this policy. Children can also be covered in this policy. This plan is
suitable for people of any nationality but treatment should be taken within India and the claim is paid in Indian currency.
Scope Of Cover
        Any one in the age of 5 to 65 years can opt for this policy. Children can also be covered in this policy. This plan is
suitable for people of any nationality but treatment should be taken within India and the claim is paid in Indian currency.
This policy provides for the Hospitalisation / Domiciliary Hospitalisation expenses for illness, diseases or injuries sustained.
1.  Expenses incurred before 30 days of Hospitalisation and after 60 days of Hospitalisation are covered in this plan.
2.  Expenses on Hospitalization are payable when the policyholder is admitted in hospital for a minimum period of 24 hours.
3.  On payment of additional premium this policy covers boarding and lodging expenses for one of the family members who
  accompanies the policyholder during the Hospitalization.
        Reasonable expenses incurred for ambulance within the city limits at the time of admission and discharge from the
hospital is also covered.
Exclusions
1.  This facility is not available if any illness is incurred within the first 30 days from the commencement of policy except in
  case of accidents.
2.  Expense incurred for treatment of cataracts, benign prostatic hypertophy, hydrocele, congenital internal diseases,
  fistula, pile, sinusitis and related disorders are not payable for 1st year of the policy.
3.  All the expenses incurred in respect of any treatment relating to pregnancy or childbirth.
4.  AIDS or conditions of similar types.
5.  Diseases directly or indirectly connected with war or nuclear waste.
Benefits
1.  Reimbursement of Hospitalisation / Domiciliary Hospitalisation expense as mentioned above.
2.  Family discount - A discount of 10% in the total premium is available if the policyholder is opting cover under the policy
  for any one of the following: Spouse, Dependent children, Dependent parents.
3.  Cost of health checkups- This cost is payable to insured at the end of the every four years block provided there is no
  claim reported during the block. The cost reimburse will be the amount equal 1% of the average sum insured during the block.
4.  Cumulative bonus - The sum insured under the policy increases by 5% every year if there is no claim during the period
  of the policy, maximum up to 10 claims free years of insurance. If there is a claim reported by Policyholder who has
  earned cumulative bonus, the increased percentage will be reduced by 10% of amount of Insurance at the time of next renewal.
Premium of Rs.15000 is exempted under Income Tax section 80D, if paid by cheque.
 
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