Introduction

This policy has a very low premium cost, but still it covers all in-patient and out-patient hospitalisation expenses. Also it has huge tax benefits attached to it.

Eligibility:

• Minimum age – 5 months maximum – 65 years up to a maximum assured sum of 500000 INR ,

• Applicable for individuals as well as for family. If taken for individuals the sum insured is applicable for each person separately. If taken on floater basis it is for entire family (self, spouse and dependent children), (max 2 adults + 3 children).

Policy benefits:

• Flat amount of 15000 INR irrespective of sum insured or age of person or the number of persons insured.
• One policy underlines both in-patient and out-patient treatments.
• Carry forward option of amount corresponding to out-patient unutilized amount.

Policy details:

• Hospitalisation expenses (minimum period 24 hours) are covered up to a max of 2% and subject to a limit of 4000 INR per day in class A cities, 1% of sum: max-3000 INR In class B cities, 1% of sum: max-1000 per day in other locations.
• No ceiling on ICU, medicine or diagnostic tests, boarding and nursing expenses are covered, surgeons /consultants fees are covered.
• Medical equipment and devices.
• Emergency ambulance charge: up to a sum of 750 INR and overall policy limit of 1500 INR.