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If you are looking for an Insurance Plan, you have come to the right place. Here at our company, we offer a variety of Insurance Plans to choose from. We are confident that we have the right plan for you, and we are more than happy to help you find the perfect fit.

Buy From our variety of Products

Care Supreme

Redefine the value that you get from Your Health Insurance

Care Advantage

Higher Coverage at Affordable Premium Comprehensive Health Insurance Plan

Care Plus Complete

Feature rich Comprehensive Health Insurance Plan

Care Plus Complete

Health Insurance with no upper age limit is exclusively designed for individuals aged 36 or above. The policy offers comprehensive inflation-proof coverage with no co-payment clause and keeps you safe against a medical crisis.

Suitable for customers with Age>36 Years
Once a Year Annual Health Check-up for all Insured Members in a Policy Year
Unlimited times Automatic Recharge for multiple claims for related or unrelated illness
Upto 200% increase in Coverage with No Claim Bonus

Features of Care Plus Complete

KEY FEATURES	3L	5L \ 7L \ 10L \ 25L
Room Rent	1% of SI	Single Private AC Room
ICU Limit	2% of SI	No Limit for SI>=5 Lacs
In-Patient Treatment	Up to SI	Up to SI
Day Care Treatment	Up to SI	Up to SI
Pre - Hospitalization Expenses	60 Days	60 Days
Post -Hospitalization Expenses	90 days	90 days
Road Ambulance Cover	Up to Rs.2,000 per hospitalization	Up to Rs.2,000 per hospitalization
Organ Donor Cover	Up to SI	Up to SI
Domiciliary Hospitalization	Up to SI	Up to SI
Second Opinion	Once in a policy year for specified Critical Illness	Once in a policy year for specified Critical Illness
Annual Health Check-up	Available for all members insured as adult	Available for all members insured as adult
No Claim Bonus	50% increase/Decrease in SI per Policy Year; maximum Increase up to 200% SI	50% increase/Decrease in SI per Policy Year; maximum Increase up to 200% SI
Alternative Treatments ( AYUSH)	10% of SI	10% of SI
Air Ambulance Cover	Upto SI or 5 Lacs, whichever is lower	Upto SI or 5 Lacs, whichever is lower
Unlimited Automatic Recharge	Up to SI (unlimited times, applicable for same illness as well)	Up to SI (unlimited times, applicable for same illness as well)
No Claim Bonus Protection	No Loss of NCB at renewal if claim amount in a policy year <25% of SI	No Loss of NCB at renewal if claim amount in a policy year <25% of SI
OPD Coverage	Out-patient Consultations Up to Rs.1,500 (SI=5L& 7L) Up to Rs.2,500 (SI=10L &25L) Limit per consultation is Rs.350/-	Out-patient Dental and Ophthalmic Treatments Up to Rs.1,500 (SI=5L & 7L); Up to Rs.2,500 (SI=10L & 25L);
Personal Accident Cover for Primary Insured Member	100% of SI on Accidental Death or Upto 100% of SI on PTD ( amount as per PTD table)	100% of SI on Accidental Death or Upto 100% of SI on PTD ( amount as per PTD table)
Inflation Shield	Increase in SI every Year based on CPI Inflation in Previous Year	Increase in SI every Year based on CPI Inflation in Previous Year
New Age Benefit	Unlimited E-Consultation : Available for General Physicians Earn and Burn Wellness program to Earn and Burn the reward points Health Services/Health Portal Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network	Unlimited E-Consultation : Available for General Physicians Earn and Burn Wellness program to Earn and Burn the reward points Health Services/Health Portal Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network

Care Plus Youth

Youth Health Insurance is one of the promising health insurances that start safeguarding the insured at an early age. You need not think twice if you wish to buy health insurance that protects your youth as well as adulthood.

Once a Year Annual Health Check-up for all Insured Members in a Policy Year
Unlimited times Automatic Recharge for multiple claims for related or unrelated illness
Upto 200% increase in Coverage with No Claim Bonus
Automatic Increase in coverage on renewal based on average CPI Inflation

Features of Care Plus Youth

KEY FEATURES	3L	5L \ 7L \ 10L \ 25L
Room Rent	1% of SI	Single Private AC Room
ICU Limit	2% of SI	No Limit for SI>=5 Lacs
In-Patient Treatment	Up to SI	Up to SI
Day Care Treatment	Upto SI	Upto SI
Pre - Hospitalization Expenses	60 Days	60 Days
Post -Hospitalization Expenses	90 days	90 days
Road Ambulance Cover	Up to Rs.2,000 per hospitalization	Up to Rs.2,000 per hospitalization
Organ Donor Cover	Up to SI	Up to SI
Domiciliary Hospitalization	Up to SI	Up to SI
Second Opinion	Once in a policy year for specified Critical Illness	Once in a policy year for specified Critical Illness
Annual Health Check-up	Available for all members insured as adult	Available for all members insured as adult
No Claim Bonus	50% increase/Decrease in SI per Policy Year; maximum Increase up to 200% SI	50% increase/Decrease in SI per Policy Year; maximum Increase up to 200% SI
Alternative Treatments ( AYUSH)	10% of SI	10% of SI
Air Ambulance Cover	Upto SI or 5 Lacs, whichever is lower	Upto SI or 5 Lacs, whichever is lower
Unlimited Automatic Recharge	Up to SI (unlimited times, applicable for same illness as well)	Up to SI (unlimited times, applicable for same illness as well)
No Claim Bonus Protection	No Loss of NCB at renewal if claim amount in a policy year <25% of SI	No Loss of NCB at renewal if claim amount in a policy year <25% of SI
OPD Coverage	Out-patient Consultations Up to Rs.1,500 (SI=5L& 7L); Up to Rs.2,500 (SI=10L &25L); Limit per consultation is Rs.350/-	Out-patient Dental and Ophthalmic Treatments Up to Rs.1,500 (SI=5L & 7L); Up to Rs.2,500 (SI=10L & 25L);
Personal Accident Cover for Primary Insured Member	100% of SI on Accidental Death or Upto 100% of SI on PTD ( amount as per PTD table)	100% of SI on Accidental Death or Upto 100% of SI on PTD ( amount as per PTD table)
Inflation Shield	Increase in SI every Year based on CPI Inflation in Previous Year	Increase in SI every Year based on CPI Inflation in Previous Year
New Age Benefit	Unlimited E-Consultation : Available for General Physicians Earn and Burn Wellness program to Earn and Burn the reward points Health Services/Health Portal Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network	Unlimited E-Consultation : Available for General Physicians Earn and Burn Wellness program to Earn and Burn the reward points Health Services/Health Portal Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network

Care Advantage

A 1 crore health insurance policy is all you need to meet the comprehensive healthcare needs of the entire family. The policy secures expansive healthcare benefits while ensuring lifelong coverage.

Upto 6 Cr Coverage in India and Abroad
Planned Hospitalization for diseases/illness diagnosed in India for SI 25L/50L/100L
Planned and Unplanned for diseases/illness out of India
Option to choose Worldwide or worldwide excluding USA Coverd
All Category Rooms allowed
AYUSH Coverage in India
Upto 50% Increase in coverage for treatment in India with NCB Super
Upto additional 100% Incresae in Coverage for treatment in India with NCB Super
Automatic Recharge once in a year for related and unrelated illness in India

Features of Care Advantage

Sum Insuredon annual basis (in Rs.)	25 L / 50 L / 100 L	200 L / 300 L / 600L
Room Rent / Room Category	No Sub-limit	No Sub-limit
ICU Charges	No Sub-limit	No Sub-limit
In-Patient Care	Up to SI	Up to SI
Day Care Treatment	Up to SI	Up to SI
Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses	Pre-Hospitalization for 60 days &Post-Hospitalization for 180 days; Maximum up to SI	Pre-Hospitalization for 60 days & Post-Hospitalization for 180 days; Maximum up to SI
Ambulance Cover	Up to SI	Up to SI
Organ Donor Cover	Up to SI	Up to SI
No Claims Bonus (NCB)	10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI (10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)	10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI (10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
Automatic Recharge	Up to SI	Up to SI
AYUSH treatment	Up to SI	Up to SI
Health Services	Health Portal- Healthy tips reminder, etc. Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network	Health Portal- Healthy tips reminder, etc. Discount ConnectDiscounts on services such as consultations, diagnostics, maternity etc at our network
Unlimited E-Consultations	Available for Consultations with General Physicians at our network	Available for Consultations with General Physicians at our network
Add-on Protect Plus with Global Cover*
Global Coverage#	Optional	. World wide exc. USA, Canada included
Global Coverage#	1. World wide excluding India; or 2. World wide exc. USA , Canada, India	2. Option to opt for World wide excluding India
Coverage	Only Planned Hospitalization is covered	All Planned Hospitalization + Emergency Hospitalization
In-patient Hospitalisation	Up to SI	Up to SI
Advance Technology Methods	Upto 10% of SI	Up to SI
Organ Donor Cover	N/A	Up to SI
Room Rrent/ ICU	No Limit	No Limit
re-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses	30 days and 60 days respectively; Covered Up to Sum Insured	60 days and 120 days respectively; Covered Up to Sum Insured
Local Road Ambulance	Up to SI	Up to SI
Air Ambulance	N/A	Up to SI
Repatriation of Mortal Remains	N/A	Upto 5 Lakh
Compassionate Visit	N/A	upto SI; Min. Hospitalization required is 5 days
Care Advantage-Optional covers*
No Claims Bonus Super (NCBS)	50% increase in SI per Policy Year in case of claim-free year; Max up to 100% of SI (50% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCBS)
Air Ambulance Cover	Up to Rs 5 Lacs
Smart Select	For listed Hospitals : Up to SI; Other Hospitals : Up to SI with an additional co-payment of 20% per claim
Reduction in PED Wait Period	Applicable PED Wait Period of 3 Years, will be reduced to 2 Years
Co-Payment Option	Option to opt 5% / 10% / 15% / 20% per claim, for all customers whose entry age is below 61 years
Co-Payment Waiver	Option to waive off the mandatory 20% co-pay per claim for customers whose entry age is 61 years and above.
Annual Health Check-up	Annual
Room Rent Modification	Single private room category
*Optional Covers will not applicable to benefits offered under Add-on policy Protect Plus
Wait Periods:
Base Sum Insured (SI) - on Annual Basis (in Rs.)	25 L / 50 L / 75 L / 100 L / 200 L / 300 L / 600 L
30 Days Initial Waiting Period	Yes
24 Months Specific Diseases Waiting Period	Yes
36 Months Pre-existing Diseases Waiting Period	Yes

Note: In case of portability policy, Insured is required to serve full waiting period under Protect Plus Add-on Cover. waiting period will be applicable on the benefits offered under Care Advantage and Add-on policy Protect Plus.

Care

The family mediclaim policy looks after the entire family's healthcare needs, including your spouse, children, parents, and in-laws.

5 Lacs to 75 Lacs Coverage options to choose depending upon family size, city of residence or financial status.
Once a Year Annual Health Check-up for all Insured Members in a Policy Year
Automatic Recharge upto Sum Insure for multiple claims for unrelated illness
Upto 150% increase in Coverage with No Claim Bonus Super

Features of Care

KEY FEATURES	5/7/10 Lacs	15/20/25/30/40 Lacs	50/60/75 Lacs
PRE-HOSPITALIZATION	30 Days	30 Days	30 Days
POST HOSPITALIZATION	60 Days	60 Days	60 Days
DAY CARE TREATMENT	Yes	Yes	Yes
ROOM RENT	Most Economical Single Private Room	Most Economical Single Private Room Upgradable to Next Level	Most Economical Single Private Room Upgradable to Next Level
ICU CHARGES	No Limit	No Limit	No Limit
AMBULANCE COVER	Upto Rs2000 per hospitalization	Upto Rs2500 per hospitalization	Upto Rs3000 per hospitalization
DOMICILIARY HOSPITALIZATION	Upto 10% of SI	Upto 10% of SI	Upto 10% of SI
ORGAN DONOR COVER	UP TO Rs.1,00,000	UPTO Rs.2,00,000	UPTO Rs.3,00,000
ANNUAL HEALTH CHECK-UP	For All Insured Members	For All Insured Members	For All Insured Members
ALTERNATIVE TREATMENT	Up to Rs20,000	Up to Rs. 30,000	Up to Rs. 40,000
SECOND OPINION	Yes	Yes	Yes
NO CLAIM BONUS^*	Up to 150% of SI	Up to 150% of SI	Up to 150% of SI
RECHARGE OF SUM INSURED	Up to SI	Up to SI	Up to SI
CARE ANYWHERE	-	-	Yes
MATERNITY COVER	-	-	Up to Rs.1,00,000
Co-Payment	Applicable at Age>=61 Years. Option to issue new policy or renew a existing policy with Co-payment or without co-payment
Wait Period	30 Days Initial Wait Period 24 Months Wait Period for Named Ailments 36 Months Wait Period for declared Pre Existing Disease

Ultimate Care

Redefine the value that you get from Your Health Insurance

Premium Payback Option : Policy is eligible for refund of first year Premium after every 5 Claim Free Years.In case SI is reduced then the refund amount will be as per Reduced SI. Refund Amount will not include the amount paid for Riders and GST
Cumulative Bonus : Policy Coverage will be increased by 50% of SI. Max Increase is 100% of SI. Claims will have No Impact on the Cumulative Bonus
Infinity Bonus Option: Policy Coverage will increase by 100% of SI on every Renewal. There is No Max Limit to the amount that can be accrued under this benefit.Claim will have No Impact on Infinity Bonus
Loyalty Benefit : Additional amount equal to the SI opted in the first Policy Year will be added in the Policy Coverage after 7 claim free Year. Cumulative Bonus/Infinity Bonus etc.. will be calculated on Base Policy SI
Long Policy Tenure : Option to purchase Policy for 1 Year/2 Year/3 Year/4 Year & 5 Year Term
Early Renewal Discount : Policy is eligible for discount of 5% for renewing policy 30 Days before the due date and 2.5% for renewing the policy within 30 Days of Due Date
Wellness Discount : Policy is eligible for discount upto 30% based on the Health Days accumulated in the Policy. The discount is applicable on the premium paid at the time of Renewal
Welcome Discount : All New policy purchases are eligible for welcome discount. 30% Discount is applicable in First Policy Year, 20% Discount applicable in Second Policy Year and 10% Discount applicable in third Policy Year
Instant Cover Option : Coverage of Complications related to Diabetes/Hypertension/ Hyperlipidemia/Asthma/Obesity/Hypothyroidism/Cornary Artery Disease ( Only for One Stent in Heart between 12 Months to 84 Months). Customer has to declare the Medical Condition at the time of Login and Company has to accept the Medical condition as PED. Option has to be Opted
Modification of PED wait Period Option : Proposer has the option to modify PED wait Period to 2 Years or 1 Year. Option has to be added at the time of First Policy Purchase
Renewal Reward : Policy is eligib;e for 2 Discount Vouchers at the time of first Renewal. Discount Vouchers will be worth Rs.250/- each
Claim Shield Option : Option to cover Non-Payable items mentioned in List 1, List 2 , List 3 and List 4 of Annexure 1
Care OPD Option : The option will provide
- Reimbursement of 4 Physical Consultation per Insured Per Year. MAx Amount per Consultation will be Rs.500/
- Reimbursement of 4 Physical Consultation from 12 Specified Specialist per Insured Per Year. Max Amount per Consultation will be Rs.500/-

Features of Ultimate Care

Key Features
SI Options	5L \7L \10L \15L\25L\50L\1Cr
In-Patient Care/ Day Care Treatment	Up to SI
Room Rent	All Category Rooms Allowed
ICU	No Limit
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 90 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to SI; Any mode of transport such as Road/ Air/Train/Boat etc.
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Loyalty Boost	Additional SI equal to Base SI opted in First Year will be added in the policy after 7 Claim Free Years. Loyalty Boost will be given Once in a Policy Year
Renewal Reward	2 pharmacy vouchers of Rs. 250 each per Policy shall be provided on 1st renewal with the Company
Return Of Premium*	In case no Claim is made for the preceding 5 consecutive Policy Years, then 1st Policy Year premium shall be refunded in every block of 5 years
Wellness Benefit*	Upto 30% discount on Renewal Premium
New Born – Wait Period Benefit	Wait Period as per current policy will be applicable to the new born if added within 90 days of birth.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect – Discounts on services such as consultations, diagnostics, etc at our network.

Eligibility Conditions

Entry Age – Minimum	Adult: 18 years Child: 5 years
Entry Age – Maximum	Adult: No Upper Age Limit Child: 24 Years
Exit Age	Adult: Lifelong Child: 25 Years
Cover Type	Individual: max up to 6 persons Floater: max up to 2A2C
Tenure Options	1/2/3/4/5 Years
Pricing	Zone 1: Delhi NCR, Surat, Mathura, Aligarh Zone 1A: Telangana, Mumbai (MMR), Ahmedabad, Vadodra, Nashik Zone 2: Pune, Indore, Bengaluru Urban, Rest of Gujarat Zone 3: Rest of India Note – Cities above means adjoining cities also
Relationship Allowed	Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand - Father, Grand – Mother and as per insurable interest
Initial Waiting Period	30 Days for all Hospitalization except Accidental Hospitalization
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	36 months

POS Ultimate Care

Redefine the value that you get from Your Health Insurance

Premium Payback Option : Policy is eligible for refund of first year Premium after every 5 Claim Free Years.In case SI is reduced then the refund amount will be as per Reduced SI. Refund Amount will not include the amount paid for Riders and GST
Cumulative Bonus : Policy Coverage will be increased by 50% of SI. Max Increase is 100% of SI. Claims will have No Impact on the Cumulative Bonus
Infinity Bonus Option: Policy Coverage will increase by 100% of SI on every Renewal. There is No Max Limit to the amount that can be accrued under this benefit.Claim will have No Impact on Infinity Bonus
Loyalty Benefit : Additional amount equal to the SI opted in the first Policy Year will be added in the Policy Coverage after 7 claim free Year. Cumulative Bonus/Infinity Bonus etc.. will be calculated on Base Policy SI
Long Policy Tenure : Option to purchase Policy for 1 Year/2 Year/3 Year/4 Year & 5 Year Term
Early Renewal Discount : Policy is eligible for discount of 5% for renewing policy 30 Days before the due date and 2.5% for renewing the policy within 30 Days of Due Date
Wellness Discount : Policy is eligible for discount upto 30% based on the Health Days accumulated in the Policy. The discount is applicable on the premium paid at the time of Renewal
Welcome Discount : All New policy purchases are eligible for welcome discount. 30% Discount is applicable in First Policy Year, 20% Discount applicable in Second Policy Year and 10% Discount applicable in third Policy Year
Instant Cover Option : Coverage of Complications related to Diabetes/Hypertension/Hyperlipidemia/Asthma/Obesity/Hypothyroidism/Cornary Artery Disease ( Only for One Stent in Heart between 12 Months to 84 Months). Customer has to declare the Medical Condition at the time of Login and Company has to accept the Medical condition as PED. Option has to be Opted
Modification of PED waitPeriod Option : Proposer has the option to modify PED wait Period to 2 Years or 1 Year. Option has to be added at the time of First Policy Purchase
Renewal Reward : Policy is eligib;e for 2 Discount Vouchers at the time of first Renewal. Discount Vouchers will be worth Rs.250/- each
Claim Shield Option : Option to cover Non-Payable items mentioned in List 1, List 2 , List 3 and List 4 of Annexure 1
Care OPD Option : The option will provide
- Reimbursement of 4 Physical Consultation per Insured Per Year. Max Amount per Consultation will be Rs.500/
- Reimbursement of 4 Physical Consultation from 12 Specified Specialist per Insured Per Year. Max Amount per Consultation will be Rs.500/-

Features of Ultimate Care

Key Features
SI Options	5L \7L \10L \15L
In-Patient Care/ Day Care Treatment	Up to SI
Room Rent	All Category Rooms Allowed
ICU	No Limit
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 90 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to SI ;Any mode of transport such as Road/ Air/Train/Boat etc.
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Loyalty Boost	Additional SI equal to Base SI opted in First Year will be added in the policy after 7 Claim Free Years. Loyalty Boost will be given Once in a Policy Year
Renewal Reward	2 pharmacy vouchers of Rs. 250 each per Policy shall be provided on 1st renewal with the Company
Return Of Premium*	In case no Claim is made for the preceding 5 consecutive Policy Years, then 1st Policy Year premium shall be refunded in every block of 5 years
Wellness Benefit*	Upto 30% discount on Renewal Premium
New Born – Wait Period Benefit	Wait Period as per current policy will be applicable to the new born if added within 90 days of birth.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect – Discounts on services such as consultations, diagnostics, etc at our network.
Plus Benefit	Additional coverage equal to 40% or 100% or 200% of Base SI( i.e 5L) from Day 1. All waitinng period will be applicable on the additional coverage

Optional Benefits
1. Cumulative Bonus Booster	This benefit will remove the limit on cumulative bonus and provide Cumulative Bonus 100% of SI per year irrespective of claim for unlimited times on continuous renewal of Policy.
2. Return of Premium	In case no Claim is made for the preceding 5 consecutive Policy Years, then 1st Policy Year premium shall be refunded in every block of 5 years.
3. Unlimited E-Consultations	Available for Consultations with General Physicians and Specialist
4. Instant Cover	No PED wait period (for Diabetes/ Hypertension/ Hyperlipidimia / Asthma /Obesity / Hypothyroidism/Coronary Artery Disease (PTCA prior 1 year)) If Insured Person has these Pre-Existing Diseases at the time of issuance of first Policy with us, the applicable PED wait period shall be waived off on Diabetes/ Hypertension/ Hyperlipidimia / Asthma / Obesity / Coronary Artery Disease (PTCA prior 1 year)
5. Claim Shield	List of items as per annexure I (list I, II, II and IV) that are non-payable shall be covered up to applicable base policy Sum Insured
6. Be-Fit Plus Benefit	Unlimited visits to Fitness centres can be availed by Insured Person aged above 12 years
7. Smart Select	For listed Smart Select Hospitals : Up to SI Other than listed Smart Select Hospitals : Up to SI with an additional co-payment of 20% per claim
8. Room Rent Modification	General Ward max. up to Rs. 3000 per day/ General ward/Twin Sharing Room /Single Private Room
8. PED Wait Period Modification	PED wait period shall be modified to 1 year / 2 Years
8. Deductible	25k
8. Co-payment	20%
9. Physical Consultations with General Physicians	Max. 4 physical consultations per Insured per Policy Year with General Physicians. Subject to Maximum Rs.300/500-1000 (in multiples of 100) per consultation in Policy Year. Co-payment of 10% per claim is applicable if per consultation limit opted is greater than Rs.500
9. Physical Consultations with Specialist Doctors	Max. 4 physical consultations per Insured per Policy Year with any specialist doctors as defined in Appendix-III. Subject to Maximum Rs.500-2000 (in multiples of 100) per consultation in a Policy Year. Co-payment of 5% per claim is applicable if per consultation limit opted is greater than or equal to Rs.1000.

Eligibility Conditions

Key Features
Entry Age – Minimum	Adult : 18 years Child : 5 years
Entry Age – Maximum	Adult : No Upper Age Limit Child : 24 Years
Exit Age	Adult : Lifelong Child : 25 Years
Cover Type	Individual : max up to 6 persons Floater : max up to 2A2C
Tenure Options	1/2/3/4/5 Years
Pricing Zones	Zone 1 - Delhi NCR, Surat, Mathura, Aligarh; Zone 1A – Mumbai (MMR), Rest of Gujarat; Zone 2 - Pune, Indore, Nashik, Telangana; Zone 3 - Rest of India. Note – 1. Cities above means adjoining cities also 2. Delhi- NCR, Mumbai (MMR), is as defined by Government
Relationship Allowed	Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand-Father, Grand-Mother and as per insurable interest
Initial Waiting Period	30 Days for all Hospitalization except Accidental Hospitalization
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	36 months

Care Classic

Zone-based health insurance covers your healthcare expenses with an affordable premium based on your city of residence. The policy promises access to quality healthcare facilities no matter where you live or avail of treatment.

Affordable Premium
Premium based on City of Residence
Unlimited Automatic Recharge for multiple hospitalization for related/Unrelated illness
Upto 150% increase in coverage with No Claim Bonus

Features of Care Classic

KEY FEATURES	5L \ 7L \ 10L \ 15L
Room rent	Most Economical Single Private A/C Room
ICU Charges	No limit
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Pre-Hospitalization Expenses	Up to 60 days
Post Hospitalization Expenses	Up to 90 days
AYUSH Treatment	up to 10% of SI; Max Rs.50,000/year
Domiciliary Hospitalization	Up to SI if hospitalization exceeds 3 days; AYUSH Treatment is part of Domiciliary Hospitalisation SI
Organ Donor Cover	Up to 10% SI
Ambulance Cover	Up to Rs.1,000 per policy year
Second Opinion	Once per Policy Year per Insured Person for each Major illness/injury
Annual Health Check-up*	Once in a year for all Insured Members.
No Claims Bonus	25% of SI for every claim free year, Max 150% of SI,
Unlimited Automatic Recharge	unlimited times in a Policy Year; Not applicable on Advanced Technology Methods
Assisted Reproductive Treatment	Upto 2 Lacs per policy Year, Available with SI>5 Lacs, Once in every block of 3 years
Compassionate Travel	Up to Rs.5,000 per policy year
Unlimited E-Consultations	Consultations with General Physicians
Other Value Added Services	Discount Connect – Discounts on services at our network.
Wait Period	30 Days Initial Wait Period24 Months Wait Period for Named Ailments 36 Months Wait Period for declared Pre-existing Disease36 Months for IVF Treatments
Co-Payment	Applicable at Age>=61 YearsOption to renew existing policy or issue a new policy with or without co-payment
Cataract Sublimit	For SI 5 LAcs : Up to 40,000 per eye, Max 60,000 per policy yearFor SI 7 Lacs to 15 LAcs : Up to 50,000 per eye, Max 75,000 per policy year
Sub-limits on Advanced Technology Methods	Maximum 5% to 25% of SI Payable for treatments taken using Advanced Technology Methods. Please chaeck Policy T&C for more details

Care Classic with Instant Coverage

Comprehensive Health Insurance Plan that provides instant coverage for hospitalization related to Asthama, Diabeties, Hypertension or Hyperlipidimia.

Affordable Premium
Premium based on City of Residence
Instant Cover – Coverage for Diabetes, Asthma, Hypertension and
Hyperlipidaemia after 30 Days wait period.
Unlimited Automatic Recharge for multiple hospitalization for
related / Unrelated illness

Features of Care Classic with Instant Coverage

KEY FEATURES	5L \ 7L \ 10L \ 15L
Room rent	Most Economical Single Private A/C Room
ICU Charges	No limit
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Pre-Hospitalization Expenses	Up to 60 days
Post Hospitalization Expenses	Up to 90 days
AYUSH Treatment	up to 10% of SI; Max Rs.50,000/year
Instant Cover*	Instant coverage available for Diabetes, Hypertension, Hyperlipidemia & Asthma. Claim Can be made after Initial wait period of 30 Days
Domiciliary Hospitalization	Up to SI if hospitalization exceeds 3 days; AYUSH Treatment is part of Domiciliary Hospitalisation SI
Organ Donor Cover	Up to 10% SI
Ambulance Cover	Up to Rs.1,000 per policy year
Second Opinion	Once per Policy Year per Insured Person for each Major illness/injury
Annual Health Check-up*	Once in a year for all Insured Members.
No Claims Bonus	25% of SI for every claim free year, Max 150% of SI,
Unlimited Automatic Recharge	unlimited times in a Policy Year; Not applicable on Advanced Technology Methods
Assisted Reproductive Treatment	Upto 2 Lacs per policy Year, Available with SI>5 Lacs, Once in every block of 3 years
Compassionate Travel	Up to Rs.5,000 per policy year
Unlimited E-Consultations	Consultations with General Physicians
Other Value Added Services	Discount Connect – Discounts on services at our network.
Wait Period	30 Days Initial Wait Period 24 Months Wait Period for Named Ailments 36 Months Wait Period for declared Pre-existing Disease 36 Months for IVF Treatments
Co-Payment	Applicable at Age>=61 Years Option to renew existing policy or issue a new policy with or without co-payment
Cataract Sublimit	For SI 5 LAcs : Up to 40,000 per eye, Max 60,000 per policy yearFor SI 7 Lacs to 15 LAcs : Up to 50,000 per eye, Max 75,000 per policy year
Sub-limits on Advanced Technology Methods	Maximum 5% to 25% of SI Payable for treatments taken using Advanced Technology Methods. Please chaeck Policy T&C for more details

Care for Senior Citizen

Care Senior Citizen offers comprehensive coverage at affordable premium for senior citizens in your family.

Affordable premiums
Tele underwriting based hassle free policy issuance
Once a Year Annual Health Check-up for all Insured Members in a Policy Year
Automatic Recharge upto Sum Insure for multiple claims for unrelated illness

Features of Care for Senior Citizen

KEY FEATURES	3 Lacs	5,7,10 Lacs
IN PATIENT /DAYCARE HOSPITALIZATION	Up to Sum Insured	Up to Sum Insured
PRE-HOSPITALIZATION	30 days	30 days
POST - HOSPITALIZATION	60 Days	60 Days
ROOM RENT	1% SI per day	Most Economical Single Private Room(Max. up to 1% of SI per day)
ICU CHARGES	2% SI per day	2% of SI per day
DAILY ALLOWANCE	Rs. 500 per day; max. 5 days	NA
AMBULANCE COVER	Up to Rs. 1500 per hospitalization	Up to Rs.2,000 per hospitalization
DOMICILIARY HOSPITALIZATION	Up to 10% of SI	Up to 10% of SI
ANNUAL HEALTH CHECK-UP	Yes, all members	Yes, all members
AUTOMATIC RECHARGE	Yes, Once in a Policy Year	Yes, Once in a Policy Year
NO CLAIM BONUS*	10%, max. up to 50% SI	10%, max. up to 50% SI
ORGAN DONOR COVER	Up to Rs. 50000	Up to Rs.100,000
SECOND OPINION	Yes	Yes
ALTERNATIVE TREATMENTS	Up to Rs. 15000	Up to Rs. 20,000
Co-Payment	Applicable at Age>=61 YearsOption to issue a new Policy or renew existing policy with or without co-payment	Applicable at Age>=61 YearsOption to issue a new Policy or renew existing policy with or without co-payment
Wait Period	30 Days Initial wait Period24 Months Named Ailment Wait Period 36 Months for declared Pre-existing Disease	30 Days Initial wait Period24 Months Named Ailment Wait Period 36 Months for declared Pre-existing Disease
Sub-Limits
Treatment of Cataract	Up to Rs. 20,000 per eye	Up to Rs. 30,000 per eye
Treatment of Total Knee Replacement	Up to Rs. 80,000 per knee	Up to Rs. 1,00,000 per knee
Treatment for each and every Ailment / Procedure mentioned below:-
Surgery for treatment of all types of Hernia	Up to Rs. 50,000	Up to Rs. 65,000
Hysterectomy	Up to Rs. 50,000	Up to Rs. 65,000
Surgeries for Benign Prostate Hypertrophy (BPH)	Up to Rs. 50,000	Up to Rs. 65,000
Surgical treatment of stones of renal system	Up to Rs. 50,000	Up to Rs. 65,000
Treatment for each and every Ailment / Procedure mentioned below:-
Treatment of Cerebrovascular and Cardiovascular disorders	Up to Rs. 2,00,000	Up to Rs. 2,50,000
Treatments/Surgeries for Cancer	Up to Rs. 2,00,000	Up to Rs. 2,50,000
Treatment of other renal complications and Disorders	Up to Rs. 2,00,000	Up to Rs. 2,50,000
Treatment for breakage of bones	Up to Rs. 2,00,000	Up to Rs. 2,50,000

Senior Health Advantage

Senior Health Advantage provides basic health insurance to senior citizens in a pocket friendly price.

Low cost Coverage option
Digital Purchase discount in first Year
Tele underwriting based hassle free policy issuance
Just 2 Years wait Period for Pre-Existing Disease

Features of Senior Health Advantage

KEY FEATURES	5L \ 10L
Pre-hospitalization Medical Expenses	30 Days
Post-hospitalization Medical Expenses	60 Days
Room Rent	Twin Sharing Room
ICU Charges	Up to 2% of Sum Insured per day
In Patient Care Treatment	Up to Sum Insured
Day Care Treatments	All Day Care Procedures
Sub-Limit on Hospitalization related Expenses	Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees subject to a maximum up to 25% of the SI per hospitalisation
Advance Technology Methods	Covered as per applicable Sub-Limits on treatments
Domiciliary Hospitalization	Covered Up to Sum Insured, if hospitalization exceeds 3 days.
Organ Donor Cover	Covered Up to Sum Insured
AYUSH Treatment	Covered Up to Sum Insured
Road Ambulance Cover	Up to 1% of SI or Rs.5000 whichever is lower per hospitalisation
No Claim Bonus	10% of SI for every claim free year, Max up to 50% of SI
Annual Health Check-up	Available from Day 1 for All Insured Members,
Unlimited E-Consultations	Consultations with General Physicians on Mobile Application
Other Value Added Services	Discount Connect – Discounts on services at our network.
Co-Payment	50% on all claims made till age 70 Years. 60% co-payment on all Claims made after Age >70.
Wait Period	30 Days Initial Wait Period 24 Months Named Ailment Wait Period 24 Months wait Period for Pre-existing Disease
Treatment of Cataract	Up to Rs.40,000	Up to Rs.40,000
Treatment of Total Knee Replacement	Up to Rs.100,000	Up to Rs.120,000
Treatment for each and every Ailment / Procedure mentioned below:- i. Cerebrovascular Accident and Cardio vascular Diseases ii. Cancer (Including Chemotherapy / Radiotherapy) iii. Medical Renal Diseases (Including Dialysis) iv. Treatment of Breakage of Long Bones	Up to Rs.2,00,000	Up to Rs.2,50,000

Care Freedom

Health Insurance for Diabetes. High BP and High BMI protect you and your loved ones against the most common lifestyle diseases and provides you with the financial freedom to pay your medical bills for treatment and medication.

Tele-underwriting based Hassel Free policy issuance
No premium increase or premium Loading due to existing Medical conditions.
Just 2 Years Wait period for declared Pre Existing Disease
Once in year Annual Health Check-up for Adult insured members every Policy Year

Features of Care Freedom

KEY FEATURES	3 Lacs	5 Lacs	7Lacs / 10 Lacs
IN-PATIENT HOSPITALIZATION	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured
DAY CARE TREATMENT	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured
ROOM RENT	Twin Sharing up to 1% Sum Insured per day	Twin Sharing	Single Private Room
ICU CHARGES	Up to 2% of SI per day	No Limit	No Limit
PRE-HOSPITALIZATION & POST- HOSPITALIZATION	Up to 7.5% of payable hospitalization expenses	Up to 10% of payable hospitalization expenses	Up to 10% of payable hospitalization expenses
CONSUMABLE ALLOWANCE	Rs.750 daily, Maxi7 Days	Rs.1000/- daily, Maxi7 Days	Rs.1000/- daily, Maxi7 Days
COMPANION BENEFIT	Rs.10,000 if hospitalization exceeds 10 Days	Rs.15,000 if hospitalization exceeds 10 Days	Rs.15,000 if hospitalization exceeds 10 Days
AMBULANCE COVER	Up to Rs.1000 per hospitalization	Up to Rs.1000 per hospitalization	Up to Rs.1000 per hospitalization
DOMICILIARY HOSPITALIZATION	Up to 10% of Sum Insured	Up to 10% of Sum Insured	Up to 10% of Sum Insured
RECHARGE OF SUM INSURED	Up to 100% of Sum Insured	Up to 100% of Sum Insured	Up to 100% of Sum Insured
DIALYSIS COVER	Up to Rs.1000 per sitting. Maxi 24 Months	Up to Rs.1000 per sitting. Maxi 24 Months	Up to Rs.1000 per sitting. Maxi 24 Months
ANNUAL HEALTH CHECK-UP	Every Year for Insured Adult Members	Every Year for Insured Adult Members	Every Year for Insured Adult Members
Co-Payment	20% for all customers enrolling in the policy 30% for all customers enrolling in policy after attaining Age>=71 Years	20% for all customers enrolling in the policy 30% for all customers enrolling in policy after attaining Age>=71 Years	20% for all customers enrolling in the policy 30% for all customers enrolling in policy after attaining Age>=71 Years
Wait Period	30 Days Initial Wait Period 24 Months Named Ailment Wait Period 24 Months wait Period for Pre-existing Disease	30 Days Initial Wait Period 24 Months Named Ailment Wait Period 24 Months wait Period for Pre-existing Disease	30 Days Initial Wait Period 24 Months Named Ailment Wait Period 24 Months wait Period for Pre-existing Disease
Treatment of Cataract(Per Eye)	Up to Rs.20,000	Up to Rs.30,000	Up to Rs.30,000
Treatment of Total Knee Replacement (Per Knee)	Up to Rs. 80,000	Up to Rs. 1,00,000	Up to Rs.1,20,000
Treatment for each and every Ailment / Procedure mentioned below:-
Surgery for treatment of all types of Hernia	Up to Rs. 50,000	Up to Rs. 65,000	Up to Rs.80,000
Hysterectomy
Surgeries for Benign Prostate Hypertrophy (BPH)
Surgical treatment of stones of renal system
Treatment for each and every Ailment / Procedure mentioned below:-
Treatment of Cerebrovascular and Cardiovascular disorders	Up to Rs. 2,00,000	Up to Rs. 2,50,000	Up to Rs.3,00,000
Treatments/Surgeries for Cancer
Treatment of other renal complications and Disorders
Treatment for breakage of bones

Care Heart

Heart Health Insurance has got you covered if you are diagnosed with a cardiac ailment or have undergone surgery in the past. Acquiring heart insurance beforehand saves you from paying hefty hospital bills in an emergency.

Tele-underwriting based Hassel Free policy issuance
No premium increase or premium Loading due to existing Medical conditions
Just 2 Years Wait period for declared Pre Existing Disease
Upto 50% increase in coverage with No Claim Bonus SUPER

Features of Care Heart

KEY FEATURES	3 Lacs	5 Lacs	7 Lacs	10 Lacs
In Patient /Day Care Treatments	Upto Sum Insured	Upto Sum Insured	Upto Sum Insured	Upto Sum Insured
Room Rent charges	Up to 1% of SI per day	Single Private Room	Single Private Room	Single Private Room
ICU Charges	Up to 2% of SI per day	No Limit	No Limit	No Limit
Pre- hospitalization Expenses	30 Days	30 Days	30 Days	30 Days
Post-Hospitalization Expenses	60 Days	60 Days	60 Days	60 Days
Alternative Treatments	Up to 25% of SI	Up to 25% of SI	Up to 25% of SI	Up to 25% of SI
Ambulance Cover	Up to Rs 2,000 per hospitalization	Up to Rs 2,000 per hospitalization	Up to Rs 3,000 per hospitalization	Up to Rs 3,000 per hospitalization
Domiciliary Hospitalization	up to 100% of Sum Insured covered after 3 days	up to 100% of Sum Insured covered after 3 days	up to 100% of Sum Insured covered after 3 days	up to 100% of Sum Insured covered after 3 days
Automatic Recharge	upto Sum Insured	upto Sum Insured	upto Sum Insured	upto Sum Insured
No Claim Bonus	Upto 50%	Upto 50%	Upto 50%	Upto 50%
Cardiac Health Check-up	Annually	Annually	Annually	Annually
Co-Payment	20% per claim for all Insured members upto 70 Years 30% per claim for all inusred member with Age>70 Years	20% per claim for all Insured members upto 70 Years 30% per claim for all inusred member with Age>70 Years	20% per claim for all Insured members upto 70 Years 30% per claim for all inusred member with Age>70 Years	20% per claim for all Insured members upto 70 Years 30% per claim for all inusred member with Age>70 Years
Wait Period	30 Days Initial Wait Period24 Months Named Ailment Wait Period24 Months wait Period for Pre-existing Disease	30 Days Initial Wait Period24 Months Named Ailment Wait Period24 Months wait Period for Pre-existing Disease	30 Days Initial Wait Period24 Months Named Ailment Wait Period24 Months wait Period for Pre-existing Disease	30 Days Initial Wait Period24 Months Named Ailment Wait Period24 Months wait Period for Pre-existing Disease
Treatment for each and every Ailment / Procedure mentioned below:- i. Surgery for treatment of all types of Hernia ii. Hysterectomy iii. Surgeries for Benign Prostate Hypertrophy (BPH) iv. Surgical treatment of stones of renal system	Up to RS 50,000	Up to Rs 65,000	Up to Rs 80,000	Up to Rs 80,000
Treatment for each and every Ailment / Procedure mentioned below:- i. Treatment of Cerebrovascular disorders ii. Treatments / Surgeries for Cancer iii. Treatment of other renal complications and Disorders iv. Treatment for breakage of bones	Up to Rs 200,000	Up to 250,000	Up to Rs 300,000	Up to Rs 300,000
Treatment of Cataract (per Eye)	Up to Rs. 20,000	Up to Rs. 30,000	Up to Rs. 30,000	Up to Rs. 30,000
Treatment of Total Knee Replacement(per Knee)	Up to Rs80,000	Up to Rs 1,00,000	Up to Rs.1,20,000	Up to Rs.1,20,000

Enhance

If you think your current health insurance coverage is insufficient to meet your healthcare needs, you can choose a super top-up health plan to supplement your coverage. It enhances health coverage by increasing the sum insured and benefits to provide maximum protection against medical expenses.

Annual Health Chec-up for all insured members
No Loading for customers with Pre-existing disease
Choice of Optional Covers to enhance coverage
Income Tax rebate under Section 80C

Features of Enhance

KEY FEATURES	Product Details
Deductible(or existing Policy Sum Insured)	1L to 30L
Sum Insured	1L to 30L
In Patient Care	Up to Sum Insured
Pre Hospitalization	30 Days
Post Hospitalization	60 Days
Day Care Treatment	Yes
Room Rent Category	Single Private Room
ICU Charges, Doctor's Fee etc.	No Limit
Health Check-Up	Yes
Organ Donor Cover	No Limit

Care with Global Coverage

Comprehensive Health Insurance coverage for Planned and unplanned treatments in India and Outside India ( As per geographical scope opted)

Covers Planned and unplanned treatment in India and Outside India
Upto 6Cr coverage option
Coverage for Treatment outside India even if the disease is diagnosed outside India
Once a Year Annual Health Check-up for all Insured Members in a Policy Year

Features of Care with Global Coverage

KEY FEATURES	1cr / 2cr / 3cr / 6cr
PRE-HOSPITALIZATION	30 Days
POST - -HOSPITALIZATION	60 Days
IN-PATIENT/DAYCARE TREATMENT	Upto SI
ROOM RENT	Single Private Room Upgradable to Next Level
ICU CHARGES	No Limit
ALTERNATIVE TREATMENTS	Up to Rs 50,000
MATERNITY COVER	Upto Rs.2 Lacs
AIR AMBULANCE COVER	Upto Rs.5,00,000
ROAD AMBULANCE	Up to Rs.5,000
DOMICILIARY HOSPITALIZATION	Up to 10% of SI
ANNUAL HEALTH CHECK-UP	Yes for All Insured Member's
AUTOMATIC RECHARGE	Yes, upto SI
NO CLAIMS BONUS	Upto 50% of Sum Insured
ORGAN DONOR EXPENSES	Up to Rs.5 Lacs
VACCINATION COVER	Up to Rs.10,000 for children up to 18 years of age.
INTERNATIONAL SECOND OPINION	Yes
Co-Payment	Applicable at Age>=61 Years. Option to issue new policy or renew a existing policy with Co-payment or without co-payment 10% Mandatory Co-Payment on all claims taken outside India
Wait Period	30 Days Initial Wait Period24 Months Wait Period for Named Ailments 36 Months Wait Period for declared Pre Existing Disease
COVERAGE DURATION OUTSIDE INDIA	45 days in a Single Trip & 90 days on a Cumulative Basis in a Policy YearNo limit on number of trips in a Year
GEOGRAPHICAL SCOPE OF COVERAGE OUTSIDE INDIA	Customer can choose between• Worldwide coverage including USA• Worldwide coverage excluding USA
EXTENSION OF GLOBAL COVERAGE DURATION OUTSIDE INDIA (Optional Benefit)	90 days in a Single Trip & 180 days on a Cumulative Basis in a Policy YearNo limit on number of trips in a Year

Critical Mediclaim

An affordable comprehensive health insurance plan covering hospitalization expenses for 32 Major Illness.

Low cost coverage for 32 Specified Major Illness diagnosed after policy issuance
90 Days Wait Period on all treatments
2.5% Discount on second member in the same policy
Upto 100% No Claim Bonus in 3 claim free years

Features of Critical Mediclaim

KEY FEATURES	32 CRITICALL ILLNESS
IN-PATIENT HOSPITALIZATION	Up to Sum Insured
DAY CARE TREATMENT	Up to Sum Insured
ROOM RENT ELIGIBILITY	Single Pvt. Room (for 10 Lacs SI) & All Categories (for SI > = 25 Lakh)
ICU CHARGES	No Limit
PRE HOSPITALIZATION/POST-HOSPITALIZATIUON	30 Days Pre-hospitalization & 60 Days Post Hospitalization
CHEMOTHERAPY & RADIOTHERAPY COVER	Up to Sum Insured , Not Available
DIALYSIS COVER	Up to SI , Not Available
AMBULANCE COVER	Up to Rs. 3000 per hospitalization
ORGAN DONOR COVER	Up to Sum Insured or 15 Lakh which ever is lower
ALTERNATIVE TREATMENTS	Up to 25% Sum Insured , Not Available
SECOND OPINION	Once per Covered Condition per policy year
ANNUAL HEALTH CHECK-UP	Every Year on Renewal
NO CLAIM BONUS	Upto 100% of SI
QUICK RECOVERY COUNSELLING	Up to Rs. 1000/- per session; Maximum 8 sessions Post Hospitalization
DOCTOR ON CALL	Yes ( Telephonic/Online)
GLOBAL COVERAGE	Upto Sum Insured ( for SI>=1 Crore)
OPD EXPENSES	1% of Sum Insured; Max. up to 25000/- , Not Available
INTERNATIONAL SECOND OPINION	Once per Covered Condition per policy year (for SI>=50 Lakh)
AIR AMBULANCE	Up to 5 Lacs for SI >=50 Lakh
Wait Period	90 Days Initial Wait Period 4 Years for declared Pre Existing Disease

Super Care Advantage

A product preposition designed for customer exploring high coverage in India and out of India covereage for 32 specified critical illness out of India.

Upto 1 Cr Comprehensive Health Insurance Coverage with Additional 1 Cr Coverage for Specified 32 Critical Illness
Double Coverage For 32 Specified Critical Illness
Out of India Coverage For 32 Specified Critical Illness
No Sub-Limit on Treatment Using Advanced Technology Methods

Features of Super Care Advantage

KEY FEATURES	Comprehensive Health Coverage	Additional coverage for 32 Critical Illness
Sum Insured	1 Cr	1 Cr
Room Rent	All Category Rooms in India	All Categories Room in India
ICU Charges	No Sub Limit	No Limit
In Patient & Day Care Treatment Expenses	Up to Sum Insured	Up to Sum Insured
Pre-Hospitalisation	30 Days	30 Days
Post Hospitalisation	60 Days	60 Days
Ambulance Cover	Up to Sum Insured	Up to Rs. 3000 per hospitalization
Organ Donor Expenses	Up to Sum Insured	Up to 15 Lakh
No Claim Bonus	Upto 50%	Upto 100% of SI
Automatic Recharge	Yes, once in a Policy Year	Yes, once in a Policy Year
AYUSH TREATMENT	NA	Up to 25% Sum Insured
SECOND OPINION	NA	Once per Covered Condition per policy year
ANNUAL HEALTH CHECK-UP	NA	Every Year on Renewal
QUICK RECOVERY COUNSELLING	NA	Up to Rs. 1000/- per session; Maximum 8 sessions Post Hospitalization
DOCTOR ON CALL	NA	Yes from General Physician
GLOBAL COVERAGE	NA	Upto Sum Insured;10% Co-payment Pre/Post Hospitalisation expenses not covered outside India Single Private Room allowed for claims outside India
OPD EXPENSES	NA	1% of Sum Insured; Max. up to 25000/-Available only after Specified Critical Illness Hospitalisation in a Policy Year

Cancer Mediclaim

An affordable comprehensive health insurance plan covering hospitalization expenses for Cancer .

Low cost coverage for Cancer diagnosed after policy issuance
90 Days Wait Period on all treatments
2.5% Discount on second member in the same policy
Upto 100% No Claim Bonus in 3 claim free years

Features of Cancer Mediclaim

KEY FEATURES	Cancer
IN-PATIENT HOSPITALIZATION	Up to Sum Insured
DAY CARE TREATMENT	Up to Sum Insured
ROOM RENT ELIGIBILITY	Single Pvt. Room (for 10 Lacs SI) & All Categories (for SI > = 25 Lakh)
ICU CHARGES	No Limit
PRE HOSPITALIZATION/POST-HOSPITALIZATIUON	30 Days Pre-hospitalization & 60 Days Post Hospitalization
CHEMOTHERAPY & RADIOTHERAPY COVER	Up to Sum Insured
DIALYSIS COVER	Up to SI , Not Available
AMBULANCE COVER	Up to Rs. 3000 per hospitalization
ORGAN DONOR COVER	Up to Sum Insured or 15 Lakh which ever is lower
ALTERNATIVE TREATMENTS	Up to 25% Sum Insured
SECOND OPINION	Once per Covered Condition per policy year
ANNUAL HEALTH CHECK-UP	Every Year on Renewal
NO CLAIM BONUS	Upto 100% of SI
QUICK RECOVERY COUNSELLING	Up to Rs. 1000/- per session; Maximum 8 sessions Post Hospitalization
DOCTOR ON CALL	Yes ( Telephonic/Online)
GLOBAL COVERAGE	Upto Sum Insured ( for SI>=1 Crore)
OPD EXPENSES	1% of Sum Insured; Max. up to 25000/-
INTERNATIONAL SECOND OPINION	Once per Covered Condition per policy year (for SI>=50 Lakh)
AIR AMBULANCE	Up to 5 Lacs for SI >=50 Lakh
Wait Period	90 Days Initial Wait Period4 Years for declared Pre Existing Disease

Heart Mediclaim

An affordable comprehensive health insurance plan covering hospitalization expenses for 16 Specified Heart Ailments.

Low cost coverage for 16 Specified Heart Ailments diagnosed after policy issuance
90 Days Wait Period on all treatments
2.5% Discount on second member in the same policy
Upto 100% No Claim Bonus in 3 claim free years

Features of Heart Mediclaim

KEY FEATURES	16 Heart Ailments
IN-PATIENT HOSPITALIZATION	Up to Sum Insured
DAY CARE TREATMENT	Up to Sum Insured
ROOM RENT ELIGIBILITY	Single Pvt. Room (for 10 Lacs SI) & All Categories (for SI > = 25 Lakh)
ICU CHARGES	No Limit
PRE HOSPITALIZATION/POST-HOSPITALIZATIUON	30 Days Pre-hospitalization & 60 Days Post Hospitalization
DIALYSIS COVER	Up to SI , Not Available
AMBULANCE COVER	Up to Rs. 3000 per hospitalization
ORGAN DONOR COVER	Up to Sum Insured or 15 Lakh which ever is lower
ALTERNATIVE TREATMENTS	Up to 25% Sum Insured
SECOND OPINION	Once per Covered Condition per policy year
ANNUAL HEALTH CHECK-UP	Every Year on Renewal
NO CLAIM BONUS	Upto 100% of SI
QUICK RECOVERY COUNSELLING	Up to Rs. 1000/- per session Maximum 8 sessions Post Hospitalization
DOCTOR ON CALL	Yes ( Telephonic/Online)
GLOBAL COVERAGE	Upto Sum Insured ( for SI> =1 Crore)
OPD EXPENSES	1% of Sum Insured Max. up to 25000/- , Not Available
INTERNATIONAL SECOND OPINION	Once per Covered Condition per policy year (for SI> =50 Lakh)
AIR AMBULANCE	Up to 5 Lacs for SI > =50 Lakh
Wait Period	90 Days Initial Wait Period 4 Years for declared Pre Existing Disease

Joy Today

Comprehensive Health Insurance Plan that also covers Maternity expenses incurred after 9 Months of purchasing the policy.

Suitable for Single Lady looking for Maternity coverage plan
Delivery Expenses covered after 9 Months wait period
Covers Pre-Natal and Post Natal expenses
Automatic New-Born Baby Coverage for first 90 Days

Features of Joy Today

KEY FEATURES	3 Lac	5 Lac
Pre hospitalisation	30 days	30 days
Post hospitalisation	60 days	60 days
Day Care treatment	Yes	Yes
In-patient hospitalisation	Up to sum insured	Up to sum insured
Room rent	Single private room with A/C	Single private room with A/C
ICU	No limit	No limit
Ambulance	Up to Rs. 1000 per claim	Up to Rs. 1000 per claim
Maternity Benefit (including pre natal & post natal expenses)	Up to Rs 35,000	Up to Rs 50,000
New born baby cover	Up to Rs 30,000	Up to Rs 50,000
No claim bonanza ( Optional Cover)	yes	Yes
Wait Period	30 Days Initial Wait Period24 Months Wait Period for Named Ailments 36 Months Wait Period for declared Pre Existing Disease 9 Months for Maternity	30 Days Initial Wait Period24 Months Wait Period for Named Ailments 36 Months Wait Period for declared Pre Existing Disease 9 Months for Maternity

Joy Tomorrow

Comprehensive Health Insurance Plan that also covers Maternity expenses incurred after 24 Months of purchasing the policy.

Suitable for Single Lady looking for Maternity coverage plan
Delivery Expenses covered after 24 Months wait period
Covers Pre-Natal and Post Natal expenses
Automatic New-Born Baby Coverage for first 90 Days

Features of Joy Tomorrow

KEY FEATURES	3 Lac	5 Lac
Pre hospitalisation	30 days	30 days
Post hospitalisation	60 days	60 days
Day Care treatment	Yes	Yes
In-patient hospitalisation	Up to sum insured	Up to sum insured
Room rent	Single private room with A/C	Single private room with A/C
ICU	No limit	No limit
Ambulance	Up to Rs. 1000 per claim	Up to Rs. 1000 per claim
Maternity Benefit (including pre natal & post natal expenses)	Up to Rs 35,000	Up to Rs 50,000
New born baby cover	Up to Rs 30,000	Up to Rs 50,000
Wait Period	30 Days Initial Wait Period24 Months Wait Period for Named Ailments 36 Months Wait Period for declared Pre Existing Disease 24 Months for Maternity	30 Days Initial Wait Period24 Months Wait Period for Named Ailments 36 Months Wait Period for declared Pre Existing Disease 24 Months for Maternity

Explore

Comprehensive coverage for Medical expense coverage and Non-medical expense coverage for Trip Cancellation, loss of passport etc. coverage while travelling out of india.

Single Trip Plan Suitable for travellers travelling for Holiday, visiting friends or relative or business travel
Multi Trip Plan suitable for frequent business travellers
Instant Policy Issuance
No Pre-policy Medicals required for Policy Issuance

Features of Explore

KEY FEATURES	Deductible	US $ 10k, 25K, 50K & 100K	US $ 25K, 50K & 100K	US $ 25K, 50K & 100K	€ 30K & 100K	US $ 50K & 100K	US $ 25K, 50K & 100K,200k	US $ 50K, 100K, 200k,300K & 500K	US $ 50K, 100K, 300K 500K
Hospitalization Expenses		Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
-In-patient Care	US $ 100 / € 75	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI
-Out-patient Care	US $ 100 / € 75	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI
Daily Allowance	2 days	US $ 25 per day, max 5 consecutive days	US $ 25 per day, max 5 consecutive days	US $ 25 per day, max 5 consecutive days	US $ 25 per day, max 5 consecutive days	US $ 25 per day, max 5 consecutive days		US $ 25 per day, max 5 consecutive days	US $ 25 per day, max 5 consecutive days
Compassionate Visit	N.A.	r	r	r	NA	NA	NA	NA	Up to US $ 5,000
Return of Minor Child	NA	r	r	r	NA	NA	NA	NA	Up to US $ 2,000
Up-gradation to Business Class	N.A.	Up to US $ 1,000	Up to US $ 1,000	Up to US $ 1,000	Up to US $ 750	Up to US $ 1,000	NA	Up to US $ 1,000	Up to US $ 1,000
Dental Treatment	US $ 100 / € 75	Up to US $ 300	Up to US $ 300	Up to US $ 300	Up to € 300	Up to US $ 300	Up to US $ 300	Up to US $ 400	Up to US $ 500
Common Carrier Accidental Death and Disability	N.A.	r	r	r	NA	NA	NA	NA	Up to US $ 5,000
Personal Accident	N.A.	US $ 15,000	US $ 15,000	US $ 15,000	€ 10,000	US $ 15,000	US $ 15,000	US $ 20,000	US $ 25,000
Trip Cancellation	N.A.	Up to US $ 1,000	Up to US $ 1,000	Up to US $ 1,000	Up to US $ 750	Up to US $ 1,000	N.A.	Up to US $ 1,000	Up to US $ 1,000
Trip Interruption	N.A.	Up to US $ 500	Up to US $ 500	Up to US $ 500	Up to US $ 300	Up to US $ 500	N.A.	Up to US $ 500	Up to US $ 500
Trip Delay		$25 per each set of 4 hours delay; Up to 150 $	$25 per each set of 4 hours delay; Up to 150 $	$25 per each set of 4 hours delay; Up to 150 $	$25 per each set of 4 hours delay; Up to 150 $	$25 per each set of 4 hours delay; Up to 150 $		$25 per each set of 4 hours delay; Up to 150 $	$25 per each set of 4 hours delay; Up to 150 $
Loss of Checked-in Baggage	$50/€30	Up to US $ 500	Up to US $ 500	Up to US $ 500	Up to $ 300	Up to US $ 500	NA	Up to US $ 750	Up to US $ 1000
Delay of Checked-in Baggage	12 hours	US $ 100	US $ 100	US $ 100	€ 100	US $ 100	NA	US $ 100	US $ 100
Loss of Passport and/or International Driving License	N.A.	US $ 300; Max. US $ 100 in case of loss of IDL	US $ 300; Max. US $ 100 in case of loss of IDL	US $ 300; Max. US $ 100 in case of loss of IDL	€ 200; Max. € 75 in case of loss of IDL 200	US $ 300; Max. US $ 100 in case of loss of IDL	NA	US $ 300; Max. US $ 100 in case of loss of IDL	US $ 300; Max. US $ 100 in case of loss of IDL
Personal Liability	US $ 100 / € 75	Up to US $ 100,000	Up to US $ 100,000	Up to US $ 100,000	Up to US $ 100,000	NA	Up to US $ 100,000	Up to US $ 100,000
Hijack Distress Allowance	NA	$100 per day for max. 5 consecutive days	$100 per day for max. 5 consecutive days	$100 per day for max. consecutive 5 days	$100 per day for max. 5 consecutive days	€75 per day for max. 5 consecutive days	NA	$100 per day for max. 5 consecutive days	$100 per day for max. 5 consecutive days
Missed Flight Connection	6 hours	Up to $300	Up to $300	Up to $300	Up to €200	Up to $300	NA	Up to $300	Up to $300
Automatic Trip Extension	$100/€75	Up to 7 consecutive days	Up to 7 consecutive days	Up to 7 consecutive days	Up to 7 consecutive days	Up to 7 consecutive days	Up to 7 consecutive days	Up to 7 consecutive days	Up to 7 consecutive days
Air fare Allowance	USD 300/EUR 300	USD 300/EUR 300	USD 300/EUR 300	USD 300/EUR 300	USD 300/EUR 300	USD 300/EUR 300	USD 300/EUR 300	USD 300/EUR 300	USD 300/EUR 300
Alternate transport expenses	USD 500/EUR 500	USD 500/EUR 500	USD 500/EUR 500	USD 500/EUR 500	USD 500/EUR 500	USD 500/EUR 500	USD 500/EUR 500	USD 500/EUR 500	USD 500/EUR 500

Care Supreme

Redefine the value that you get from Your Health Insurance

Features of Care Supreme

Benefit Name	Coverage
SI Options	7L/10L/15L/25L/50L/1Cr
Room Rent /ICU	No limit
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, Pre-Hospitalization expense cover for 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, Post-Hospitalization expense cover for 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	For SI < 15 lac SI – up to Rs. 10,000 For 15 lac and above SI - Up to SI
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Note: Shall not reduce in case of claim
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Wellness Benefit	Upto 30% discount on Renewal based on meeting Healthy Days criteria
Air Ambulance	Upto Rs.5L
Health Services	Health Portal- Doctor on chat, Healthy tips reminder, etc. Discount Connect – Discounts on services such as consultations, diagnostics,maternity etc at our network.
Initial Wait Period	30 Days
Named Ailment Wait Period	24 Months
PED Wait Period	36 Months

Optional Benefits

PED Wait Period Modification	PED wait period shall be modified to 1 year/2 years
Named Ailment Wait Period Modification	Named Ailment wait period shall be modified to 1 year
Instant Cover	No PED wait period (for Diabetes/ Hypertension/ Hyperlipidemia / Asthma) If Insured Person has these Pre-Existing Diseases at the time of issuance of first Policy with us, the applicable PED wait period shall be waived off on Diabetes/ Hypertension/ Hyperlipidemia / Asthma.
Cumulative Bonus Super	Up to 100% of Base SI per year, Max up to 500% of Base SI ;Note: Shall not reduce in case of claim
Annual Health check up	Once for all Insured every policy year on our Network . Appointment can be booked from Mobile Application
Be-Fit Benefit	Unlimited visits to Fitness centres can be availed by Insured members aged above 12 years
Care OPD(Add-on Policy)	Will allow the Insured members to get re-imbursement for 4 General Physician Consultations. Max Amount will not exceed Rs.500/- per consultation 4 Specialist Consultations. Max Amount will not exceed Rs.500/- per consultation

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 90 Days
Entry Age - Maximum	Adult: Lifelong; Child: 24 Years (last birthday)
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pre-policy Issuance Medical Check up	As per Underwriting Guidelines
Pricing	Zone 1 - Delhi NCR, Surat, Mathura, Aligarh. Zone 1A - Mumbai (MMR),Rest of Gujarat. Zone 2 - Pune, Indore, Nashik, Telangana. Zone 3 - Rest of India. Note – 1. Cities above means adjoining cities also 2. Delhi- NCR , Mumbai (MMR), is as defined by Government
Who are covered (Relationship with respect to the Proposer)	Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand - Father, Grand - Mother

Care Supreme VFM 1

Redefine the value that you get from Your Health Insurance

Unlimited Automatic Recharge of SI to cover multiple hospitalizations for related and unrelated illness
Coverage will increase by 50% Increase in coverage with Cumulative Bonus . Max 100% Increase in SI. Claims will have no Impact on Cumulative Bonus
Coverage will Increase by 100% Increase in Coverage with Cumulative Bonus Super. Max 500% of SI. Claim Claims will have no Impact on Cumulative Bonus
Upto 30% Discount on Renewal Premium with Wellness Benefit
Smart Select is pre-added in Policy. Customer are eligible for 15% discount by opting for cashless Treatment in Value for Money Hospital network. 20% Co- Payment will be applicable on all treatments taken in a hospital which is not part of Value For Money Network Hospital. List of Hospitals under Value for Money Network available in www.careinsurance.com.
Instant Cover Option: Coverage of Complications related Diabetes/Hypertension/Asthma /Hyperlipidemia after serving Initial wait period of 30 Days. Customer will have to declared the Pre Existing Ailments and company will have to accept the same for coverage to be applicable
PED Modification to 1 Year or 2 Years – Option to reduce PED wait Period to 1 Year or 2 Year
Annual Health Check-up- One Health Check-up for all insured members in a Policy Year. List of Test covers are available in T&C. Tests have to be pre-booked from Mobile Application. No Reimbursement of expenses allowed under this benefit
Befit- One Visit to Fitness centres on Network per day for Insured Members . Insured members with age upto 12 Years not covered under this benefit
Claim Shield- Coverage of 68 Non Payable items as per List 1 of Annexure 1
Care OPD befit offers following benefits:
- Reimbursement of 4 General physician consultations per Policy year per insured; Max amount payable per consultation is Rs.500/-
- Reimbursement of 4 Specialist Consultations ( from the list of 12 specified specialists) per insured per policy Year. Max amount payable per consultation is Rs.500/-

Features of Care Supreme VFM 1

Benefit Name	Coverage
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Room Rent	All Category Rooms Allowed
ICU	No Limit
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to Rs.10,000 per year for SI<15 Lacs, Upto SI for SI>=15 Lacs
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 5 years
Entry Age - Maximum	Adult: 60; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pricing	Delhi NCR, Mumbai Metropolis Area (including Mumbai suburban, Thane, Palghar, Raigad, any other city defined by Government ), Gujarat State, Aligarh, Mathura Delhi NCR includes Delhi, Baghpat, Bulandshahr, Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar, Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal, Mahendragarh, Nuh, Palwal, Panipat, Rewari, Bhiwani, Alwar, Bharatpur, Rohtak , Sonipat , any other city defined by Government) Zone 2: Rest of India
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	36 months

Care Supreme VFM 2

Redefine the value that you get from Your Health Insurance

Unlimited Automatic Recharge of SI to cover multiple hospitalizations for related and unrelated illness
Coverage will increase by 50% Increase in coverage with Cumulative Bonus. Max 100% Increase in SI. Claims will have no Impact on Cumulative Bonus
Coverage will Increase by 100% Increase in Coverage with Cumulative Bonus Super. Max 500% of SI. Claim Claims will have no Impact on Cumulative Bonus
Upto 30% Discount on Renewal Premium with Wellness Benefit
Smart Select is pre-added in Policy. Customer are eligible for 15% discount by opting for cashless Treatment in Value for Money Hospital network. 20% Co- Payment will be applicable on all treatments taken in a hospital which is not part of Value For Money Network Hospital. List of Hospitals under Value for Money Network available in www.careinsurance.com.
Room eligibility modified to Most Economical Single Pvt AC Room using Room rent Modification rider.
Instant Cover Option: Coverage of Complications related Diabetes/Hypertension/Asthma /Hyperlipidemia after serving Initial wait period of 30 Days. Customer will have to declared the Pre Existing Ailments and company will have to accept the same for coverage to be applicable
PED Modification to 1 Year or 2 Years – Option to reduce PED wait Period to 1 Year or 2 Year
Annual Health Check-up- One Health Check-up for all insured members in a Policy Year. List of Test covers are available in T&C. Tests have to be pre-booked from Mobile Application. No Reimbursement of expenses allowed under this benefit
Befit- One Visit to Fitness centres on Network per day for Insured Members . Insured members with age upto 12 Years not covered under this benefit.
Claim Shield- Coverage of 68 Non Payable items as per List 1 of Annexure 1
Care OPD befit offers following benefits:
- Reimbursement of 4 General physician consultations per Policy year per insured; Max amount payable per consultation is Rs.500/-)
- Reimbursement of 4 Specialist Consultations ( from the list of 12 specified specialists) per insured per policy Year. Max amount payable per consultation is Rs.500/-

Features of Care Supreme VFM 2

Benefit Name	Coverage
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Room Rent	All Category Rooms Allowed
ICU	No Limit
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to Rs.10,000 per year for SI<15 Lacs, Upto SI for SI>=15 Lacs
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 5 years
Entry Age - Maximum	Adult: 60; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pricing	Delhi NCR, Mumbai Metropolis Area (including Mumbai suburban, Thane, Palghar, Raigad, any other city defined by Government ), Gujarat State, Aligarh, Mathura Delhi NCR includes Delhi, Baghpat, Bulandshahr, Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar, Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal, Mahendragarh, Nuh, Palwal, Panipat, Rewari, Bhiwani, Alwar, Bharatpur, Rohtak , Sonipat , any other city defined by Government) Zone 2: Rest of India
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	36 months

Care Supreme VFM 3

Redefine the value that you get from Your Health Insurance

Unlimited Automatic Recharge of SI to cover multiple hospitalizations for related and unrelated illness
Coverage will increase by 50% Increase in coverage with Cumulative Bonus . Max 100% Increase in SI. Claims will have no Impact on Cumulative Bonus
Coverage will Increase by 100% Increase in Coverage with Cumulative Bonus Super; Max 500% of SI. Claim Claims will have no Impact on Cumulative Bonus
Upto 30% Discount on Renewal Premium with Wellness Benefit
Smart Select is pre-added in Policy. Customer are eligible for 15% discount by opting for cashless Treatment in Value for Money Hospital network. 20% Co-Payment will be applicable on all treatments taken in a hospital which is not part of Value For Money Network Hospital. List of Hospitals under Value for Money Network available in www.careinsurance.com.
Room eligibility modified to General Ward using Room rent Modification rider.
Instant Cover Option: Coverage of Complications related Diabetes/Hypertension/Asthma /Hyperlipidemia after serving Initial wait period of 30 Days. Customer will have to declared the Pre Existing Ailments and company will have to accept the same for coverage to be applicable
PED Modification to 1 Year or 2 Years – Option to reduce PED wait Period to 1 Year or 2 Year
Annual Health Check-up- One Health Check-up for all insured members in a Policy Year. List of Test covers are available in T&C. Tests have to be pre-booked from Mobile Application. No Reimbursement of expenses allowed under this benefit
Befit- One Visit to Fitness centres on Network per day for Insured Members . Insured members with age upto 12 Years not covered under this benefit
Claim Shield- Coverage of 68 Non Payable items as per List 1 of Annexure 1
Care OPD Benefits:

Reimbursement of 4 General physician consultations per Policy year per insured; Max amount payable per consultation is Rs.500/-
Reimbursement of 4 Specialist Consultations ( from the list of 12 specified specialists) per insured per policy Year. Max amount payable per consultation is Rs.500/-

Features of Care Supreme VFM 3

Benefit Name	Coverage
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Room Rent	All Category Rooms Allowed
ICU	No Limit
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to Rs.10,000 per year for SI<15 Lacs, Upto SI for SI>=15 Lacs
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 5 years
Entry Age - Maximum	Adult: 60; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pricing	Delhi NCR, Mumbai Metropolis Area (including Mumbai suburban, Thane, Palghar, Raigad, any other city defined by Government ), Gujarat State, Aligarh, Mathura Delhi NCR includes Delhi, Baghpat, Bulandshahr, Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar, Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal, Mahendragarh, Nuh, Palwal, Panipat, Rewari, Bhiwani, Alwar, Bharatpur, Rohtak , Sonipat , any other city defined by Government) Zone 2: Rest of India
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	36 months

Care Supreme Super Saver

Redefine the value that you get from Your Health Insurance

Features of Care Supreme Super Saver

Benefit Name	Coverage
SI Options	5L/7L/10L
Deductible	Rs. 25,000 Deductible on per Year
Room Rent /ICU	No Limit
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, Pre-Hospitalization expense cover for 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, Post-Hospitalization expense cover for 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	For SI < 15 lac SI – up to Rs. 10,000 For 15 lac and above SI - Up to SI
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Note: Shall not reduce in case of claim
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Wellness Benefit	Upto 30% discount on Renewal based on meeting Healthy Days criteria
Air Ambulance	Upto Rs.5L
Health Services	Health Portal- Doctor on chat, Healthy tips reminder, etc. Discount Connect – Discounts on services such as consultations, diagnostics, etc at our network.
Initial Wait Period	30 Days
Named Ailment Wait Period	24 Months
PED Wait Period	36 Months

Mandatory Optional Benefit

Air Ambulance	Lower of 5Lor SI
Wellness	Upto 30% discount on Renewals
Deductible	Rs.25000/- Aggregate Deductible per year;

Optional Benefits

Benefit	Coverage
PED Wait Period Modification	PED wait period shall be modified to 1 year/2 years
Named Ailment Wait Period Modification	Named Ailment wait period shall be modified to 1 year
Instant Cover	No PED wait period (for Diabetes/ Hypertension/ Hyperlipidemia / Asthma) If Insured Person has these Pre-Existing Diseases at the time of issuance of first Policy with us, the applicable PED wait period shall be waived off on Diabetes/ Hypertension/ Hyperlipidemia / Asthma.
Cumulative Bonus Super	Up to 100% of Base SI per year, Max up to 500% of Base SI; Note: Shall not reduce in case of claim
Annual Health check up	Once for all Insured every policy year on our Network. Appointment can be booked from Mobile Application
Be-Fit Benefit	Unlimited visits to Fitness centres can be availed by Insured members aged above 12 years
Care OPD(Add-on Policy)	Will allow the Insured members to get re-imbursement for: 4 General Physician Consultations. Max Amount will not exceed Rs.500/- per consultation 4 Specialist Consultations. Max Amount will not exceed Rs.500/- per consultation

INSTANT COVER

Location	New	Port
SI Sourcing Rules Zone 1 : 7L & 10l For New Business; 10L for Portability( Internal and External) Zone 2 : 5L & 7L for New Business; 7 L for Portability(Internal and External)
Faridabad	10 Lakhs	10 Lakhs
Ahmedabad	-	10 lakhs
Telangana	-	10 lakhs
Bangalore	-	7 lakhs
Delhi NCR	-	10 lakhs
Hyderabad	-	10 lakhs
Kerala	-	10 lakhs
Kolkata		10 lakhs
Indore	-	10 Lakhs
Mumbai	-	10 lakhs
Nashik	7 Lakhs	10 lakhs
Pune	-	10 lakhs
Rest of Gujarat	-	10 lakhs
Ahmednagar	-	10 Lakhs
Surat	-	10 lakhs
UP West	-	10 Lakhs
Rest of Haryana	-	10 Lakhs

ELIGIBILITY

Criteria	Details
Age of Proposer	18 years or above
Entry Age - Minimum	Adult: 18 years; Child: 90 Days
Entry Age - Maximum	Adult: Lifelong; Child: 24 Years (last birthday)
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pre-policy Issuance Medical Check up	As per Underwriting Guidelines
Pricing	Zone 1 - Delhi NCR, Surat, Mathura, Aligarh. Zone 1A - Mumbai (MMR),Rest of Gujarat. Zone 2 - Pune, Indore, Nashik, Telangana. Zone 3 - Rest of India. Note – 1. Cities above means adjoining cities also 2. Delhi- NCR , Mumbai (MMR), is as defined by Government
Who are covered (Relationship with respect to the Proposer)	Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand-Father, Grand-Mother

ELIGIBILITY

DEDUCTIBLE RATES:
Optional Benefit : As per existing sourcing guidelines of Care Supreme applicable on the PIN Codes
Deductible/ SI	5,00,000	7,00,000	10,00,000	15,00,000	20,00,000	25,00,000	50,00,000	75,00,000	1,00,00,000	6,00,00,000
25,000	-19.00%	-15.50%	-12.25%	-9.25%	-8.75%	-8.25%	-7.25%	-6.75%	-6.50%	-6.00%

ELIGIBILITY

Optional Benefit/ Premium Value	Deductible
Smart Select	Yes
Room Rent Modification	Yes
PED Wait Period Modification	Yes
Named Ailment Wait Period Modification	Yes
Instant Cover	Yes
Deductible	-
Co-Payment	Yes
New Born Cover	Yes
Plus Benefit	Yes
Cumulative Bonus Super	Yes
Annual Health Check Up	No
Be Fit Benefit	No
Wellness Benefit	No
Air Ambulance	Yes
Women Care	No
Mental Health Well Being	No
Claim Shield	Yes

POS Care Supreme VFM 1

Redefine the value that you get from Your Health Insurance

Unlimited Automatic Recharge of SI to cover multiple hospitalizations for related and unrelated illness
Coverage will increase by 50% Increase in coverage with Cumulative Bonus . Max 100% Increase in SI. Claims will have no Impact on Cumulative Bonus
Coverage will Increase by 100% Increase in Coverage with Cumulative Bonus Super. Max 500% of SI. Claim Claims will have no Impact on Cumulative Bonus
Upto 30% Discount on Renewal Premium with Wellness Benefit
Smart Select is pre-added in Policy. Customer are eligible for 15% discount by opting for cashless Treatment in Value for Money Hospital network. 20% Co- Payment will be applicable on all treatments taken in a hospital which is not part of Value For Money Network Hospital. List of Hospitals under Value for Money Network available in www.careinsurance.com.
Instant Cover Option: Coverage of Complications related Diabetes/Hypertension/Asthma /Hyperlipidemia after serving Initial wait period of 30 Days. Customer will have to declared the Pre Existing Ailments and company will have to accept the same for coverage to be applicable
PED Modification to 1 Year or 2 Years – Option to reduce PED wait Period to 1 Year or 2 Year
Annual Health Check-up- One Health Check-up for all insured members in a Policy Year. List of Test covers are available in T&C. Tests have to be pre-booked from Mobile Application. No Reimbursement of expenses allowed under this benefit
Befit- One Visit to Fitness centres on Network per day for Insured Members . Insured members with age upto 12 Years not covered under this benefit
Claim Shield- Coverage of 68 Non Payable items as per List 1 of Annexure 1
Care OPD befit offers following benefits:
- Reimbursement of 4 General physician consultations per Policy year per insured; Max amount payable per consultation is Rs.500/-
- Reimbursement of 4 Specialist Consultations ( from the list of 12 specified specialists) per insured per policy Year. Max amount payable per consultation is Rs.500/-

Features of POS Care Supreme VFM 1

Benefit Name	Coverage
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Room Rent	All Category Rooms Allowed
ICU	No Limit
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to Rs.10,000 per year for SI<15 Lacs, Upto SI for SI>=15 Lacs
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 5 years
Entry Age - Maximum	Adult: 60; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pricing	Delhi NCR, Mumbai Metropolis Area (including Mumbai suburban, Thane, Palghar, Raigad, any other city defined by Government ), Gujarat State, Aligarh, Mathura Delhi NCR includes Delhi, Baghpat, Bulandshahr, Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar, Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal, Mahendragarh, Nuh, Palwal, Panipat, Rewari, Bhiwani, Alwar, Bharatpur, Rohtak , Sonipat , any other city defined by Government) Zone 2: Rest of India
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	36 months

POS Care Supreme VFM 2

Redefine the value that you get from Your Health Insurance

Unlimited Automatic Recharge of SI to cover multiple hospitalizations for related and unrelated illness
Coverage will increase by 50% Increase in coverage with Cumulative Bonus. Max 100% Increase in SI. Claims will have no Impact on Cumulative Bonus
Coverage will Increase by 100% Increase in Coverage with Cumulative Bonus Super. Max 500% of SI. Claim Claims will have no Impact on Cumulative Bonus
Upto 30% Discount on Renewal Premium with Wellness Benefit
Smart Select is pre-added in Policy. Customer are eligible for 15% discount by opting for cashless Treatment in Value for Money Hospital network. 20% Co- Payment will be applicable on all treatments taken in a hospital which is not part of Value For Money Network Hospital. List of Hospitals under Value for Money Network available in www.careinsurance.com.
Room eligibility modified to Most Economical Single Pvt AC Room using Room rent Modification rider.
Instant Cover Option: Coverage of Complications related Diabetes/Hypertension/Asthma /Hyperlipidemia after serving Initial wait period of 30 Days. Customer will have to declared the Pre Existing Ailments and company will have to accept the same for coverage to be applicable
PED Modification to 1 Year or 2 Years – Option to reduce PED wait Period to 1 Year or 2 Year
Annual Health Check-up- One Health Check-up for all insured members in a Policy Year. List of Test covers are available in T&C. Tests have to be pre-booked from Mobile Application. No Reimbursement of expenses allowed under this benefit
Befit- One Visit to Fitness centres on Network per day for Insured Members . Insured members with age upto 12 Years not covered under this benefit.
Claim Shield- Coverage of 68 Non Payable items as per List 1 of Annexure 1
Care OPD befit offers following benefits:
- Reimbursement of 4 General physician consultations per Policy year per insured; Max amount payable per consultation is Rs.500/-)
- Reimbursement of 4 Specialist Consultations ( from the list of 12 specified specialists) per insured per policy Year. Max amount payable per consultation is Rs.500/-

Features of POS Care Supreme VFM 2

Benefit Name	Coverage
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Room Rent	All Category Rooms Allowed
ICU	No Limit
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to Rs.10,000 per year for SI<15 Lacs, Upto SI for SI>=15 Lacs
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 5 years
Entry Age - Maximum	Adult: 60; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pricing	Delhi NCR, Mumbai Metropolis Area (including Mumbai suburban, Thane, Palghar, Raigad, any other city defined by Government ), Gujarat State, Aligarh, Mathura Delhi NCR includes Delhi, Baghpat, Bulandshahr, Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar, Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal, Mahendragarh, Nuh, Palwal, Panipat, Rewari, Bhiwani, Alwar, Bharatpur, Rohtak , Sonipat , any other city defined by Government) Zone 2: Rest of India
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	36 months

POS Care Supreme VFM 3

Redefine the value that you get from Your Health Insurance

Unlimited Automatic Recharge of SI to cover multiple hospitalizations for related and unrelated illness
Coverage will increase by 50% Increase in coverage with Cumulative Bonus . Max 100% Increase in SI. Claims will have no Impact on Cumulative Bonus
Coverage will Increase by 100% Increase in Coverage with Cumulative Bonus Super; Max 500% of SI. Claim Claims will have no Impact on Cumulative Bonus
Upto 30% Discount on Renewal Premium with Wellness Benefit
Smart Select is pre-added in Policy. Customer are eligible for 15% discount by opting for cashless Treatment in Value for Money Hospital network. 20% Co-Payment will be applicable on all treatments taken in a hospital which is not part of Value For Money Network Hospital. List of Hospitals under Value for Money Network available in www.careinsurance.com.
Room eligibility modified to General Ward using Room rent Modification rider.
Instant Cover Option: Coverage of Complications related Diabetes/Hypertension/Asthma /Hyperlipidemia after serving Initial wait period of 30 Days. Customer will have to declared the Pre Existing Ailments and company will have to accept the same for coverage to be applicable
PED Modification to 1 Year or 2 Years – Option to reduce PED wait Period to 1 Year or 2 Year
Annual Health Check-up- One Health Check-up for all insured members in a Policy Year. List of Test covers are available in T&C. Tests have to be pre-booked from Mobile Application. No Reimbursement of expenses allowed under this benefit
Befit- One Visit to Fitness centres on Network per day for Insured Members . Insured members with age upto 12 Years not covered under this benefit
Claim Shield- Coverage of 68 Non Payable items as per List 1 of Annexure 1
Care OPD Benefits:

Reimbursement of 4 General physician consultations per Policy year per insured; Max amount payable per consultation is Rs.500/-
Reimbursement of 4 Specialist Consultations ( from the list of 12 specified specialists) per insured per policy Year. Max amount payable per consultation is Rs.500/-

Features of POS Care Supreme VFM 3

Benefit Name	Coverage
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Room Rent	All Category Rooms Allowed
ICU	No Limit
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to Rs.10,000 per year for SI<15 Lacs, Upto SI for SI>=15 Lacs
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 5 years
Entry Age - Maximum	Adult: 60; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pricing	Delhi NCR, Mumbai Metropolis Area (including Mumbai suburban, Thane, Palghar, Raigad, any other city defined by Government ), Gujarat State, Aligarh, Mathura Delhi NCR includes Delhi, Baghpat, Bulandshahr, Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar, Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal, Mahendragarh, Nuh, Palwal, Panipat, Rewari, Bhiwani, Alwar, Bharatpur, Rohtak , Sonipat , any other city defined by Government) Zone 2: Rest of India
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	36 months

Secure

Redefine the value that you get from Your Health Insurance

Upto 100% increase of SI with Cumulative Bonus Super
Unlimited Automatic Recharge
Upto 30% discount with Wellness Benefit
No reduction of accumulated bonus due to Claim
Upto 30% discount on renewal due to Wellness Benefit
No sub-limits on Advanced Technology treatments

Features of Secure

Benefit Name	Coverage
Accidental Death	100% of Sum Insured
Permanent Total Disablement (PTD	As per PTD Table in Annexure – I (a)
Permanent Partial Disablement (PPD	As per PPD Table in Annexure – I (b)
Fractures	Sub-limit of Rs. 50,000 (As per Fractures Table in Annexure – I (c))	Sub-limit of Rs. 1,00,000 (As per Fractures Table in Annexure – I (c)	Sub-limit of Rs. 2,00,000 (As per Fractures Table in Annexure – I (c))	Sub-limit of Rs. 3,00,000 (As per Fractures Table in Annexure – I (c)
Child Education		10% of Sum Insured	10% of Sum Insured	10% of Sum Insured
Major Diagnostic Tests		Up to Rs. 15,000	Up to Rs. 25,000	Up to Rs. 50,000
Disappearance		100% of SI	100% of SI	100% of SI
Mobility cover		Up to Rs. 15,000	Up to Rs. 25,000	Up to Rs. 50,000
Burns		Sub-limit of Rs. 10,00,000 (As per Burns Table in Annexure – I (d)	Sub-limit of Rs. 20,00,000 (As per Burns Table in Annexure – I (d)	Sub-limit of Rs. 25,00,000 (As per Burns Table in Annexure – I (d)
Domestic Road Ambulance			Up to Rs. 5,000	Up to Rs. 5,000
Nursing Care			Rs. 1,000 per day, Max for 15 days per Claim	Rs. 1,500 per day, Max for 15 days per Claim
Reconstructive Surgery			Up to Rs. 10,00,000	Up to Rs. 20,00,000
Repatriation of Mortal Remains			2% of the Sum Insured or Max Rs. 1,00,000; whichever is lowe	2% of the Sum Insured or Max Rs. 1,00,000; whichever is lowe
Loyalty Benefit	For each continuous and completed Policy Year, on subsequent renewal, the Company will enhance the Coverage amount of last Policy Year, pertaining to Benefit 1, Benefit 2 and Benefit 3, by flat 5% of the Sum Insured, on a cumulative basis, as a Loyalty Bonus; Max. Increase up to 50% of Sum Insured.

ELIGIBILITY

Minimum Entry Age	91 days
Maximum Entry Age	Child : 24 years Adult : 70 years
Maximum Renewal Age	Lifelong
Age of Proposer	18 Years or above
Relationship Covered	Legally married Spouse, Children, Parents, Brother, Sister, Parents-in-Law, Grandparents, Grandchildren, Uncle, Aunt, Nephew, Niece and any other relationship having insurable interes
Cover Type	Individual
Policy Tenure (in Years)	1 / 2 / 3

Secure Plus

Redefine the value that you get from Your Health Insurance

Upto 100% increase of SI with Cumulative Bonus Super
Unlimited Automatic Recharge
Upto 30% discount with Wellness Benefit
No reduction of accumulated bonus due to Claim
Upto 30% discount on renewal due to Wellness Benefit
No sub-limits on Advanced Technology treatments

Features of Secure Plus

Benefit Name	Coverage
Accidental Death	100% of Sum Insured
Permanent Total Disablement (PTD	As per PTD Table in Annexure – I (a)
Permanent Partial Disablement (PPD	As per PPD Table in Annexure – I (b)
Fractures	Sub-limit of Rs. 50,000 (As per Fractures Table in Annexure – I (c))	Sub-limit of Rs. 1,00,000 (As per Fractures Table in Annexure – I (c)	Sub-limit of Rs. 2,00,000 (As per Fractures Table in Annexure – I (c))	Sub-limit of Rs. 3,00,000 (As per Fractures Table in Annexure – I (c)
Child Education		10% of Sum Insured	10% of Sum Insured	10% of Sum Insured
Major Diagnostic Tests		Up to Rs. 15,000	Up to Rs. 25,000	Up to Rs. 50,000
Disappearance		100% of SI	100% of SI	100% of SI
Mobility cover		Up to Rs. 15,000	Up to Rs. 25,000	Up to Rs. 50,000
Burns		Sub-limit of Rs. 10,00,000 (As per Burns Table in Annexure – I (d)	Sub-limit of Rs. 20,00,000 (As per Burns Table in Annexure – I (d)	Sub-limit of Rs. 25,00,000 (As per Burns Table in Annexure – I (d)
Domestic Road Ambulance			Up to Rs. 5,000	Up to Rs. 5,000
Nursing Care			Rs. 1,000 per day, Max for 15 days per Claim	Rs. 1,500 per day, Max for 15 days per Claim
Reconstructive Surgery			Up to Rs. 10,00,000	Up to Rs. 20,00,000
Repatriation of Mortal Remains			2% of the Sum Insured or Max Rs. 1,00,000; whichever is lowe	2% of the Sum Insured or Max Rs. 1,00,000; whichever is lowe
Loyalty Benefit	For each continuous and completed Policy Year, on subsequent renewal, the Company will enhance the Coverage amount of last Policy Year, pertaining to Benefit 1, Benefit 2 and Benefit 3, by flat 5% of the Sum Insured, on a cumulative basis, as a Loyalty Bonus; Max. Increase up to 50% of Sum Insured.

ELIGIBILITY

Minimum Entry Age	91 days
Maximum Entry Age	Child : 24 years Adult : 70 years
Maximum Renewal Age	Lifelong
Age of Proposer	18 Years or above
Relationship Covered	Legally married Spouse, Children, Parents, Brother, Sister, Parents-in-Law, Grandparents, Grandchildren, Uncle, Aunt, Nephew, Niece and any other relationship having insurable interes
Cover Type	Individual
Policy Tenure (in Years)	1 / 2 / 3

Secure Child

Redefine the value that you get from Your Health Insurance

Upto 100% increase of SI with Cumulative Bonus Super
Unlimited Automatic Recharge
Upto 30% discount with Wellness Benefit
No reduction of accumulated bonus due to Claim
Upto 30% discount on renewal due to Wellness Benefit
No sub-limits on Advanced Technology treatments

Features of Secure Child

Benefit Name	Coverage
Accidental Death	100% of Sum Insured
Permanent Total Disablement (PTD	As per PTD Table in Annexure – I (a)
Permanent Partial Disablement (PPD	As per PPD Table in Annexure – I (b)
Fractures	Sub-limit of Rs. 50,000 (As per Fractures Table in Annexure – I (c))	Sub-limit of Rs. 1,00,000 (As per Fractures Table in Annexure – I (c)	Sub-limit of Rs. 2,00,000 (As per Fractures Table in Annexure – I (c))	Sub-limit of Rs. 3,00,000 (As per Fractures Table in Annexure – I (c)
Child Education		10% of Sum Insured	10% of Sum Insured	10% of Sum Insured
Major Diagnostic Tests		Up to Rs. 15,000	Up to Rs. 25,000	Up to Rs. 50,000
Disappearance		100% of SI	100% of SI	100% of SI
Mobility cover		Up to Rs. 15,000	Up to Rs. 25,000	Up to Rs. 50,000
Burns		Sub-limit of Rs. 10,00,000 (As per Burns Table in Annexure – I (d)	Sub-limit of Rs. 20,00,000 (As per Burns Table in Annexure – I (d)	Sub-limit of Rs. 25,00,000 (As per Burns Table in Annexure – I (d)
Domestic Road Ambulance			Up to Rs. 5,000	Up to Rs. 5,000
Nursing Care			Rs. 1,000 per day, Max for 15 days per Claim	Rs. 1,500 per day, Max for 15 days per Claim
Reconstructive Surgery			Up to Rs. 10,00,000	Up to Rs. 20,00,000
Repatriation of Mortal Remains			2% of the Sum Insured or Max Rs. 1,00,000; whichever is lowe	2% of the Sum Insured or Max Rs. 1,00,000; whichever is lowe
Loyalty Benefit	For each continuous and completed Policy Year, on subsequent renewal, the Company will enhance the Coverage amount of last Policy Year, pertaining to Benefit 1, Benefit 2 and Benefit 3, by flat 5% of the Sum Insured, on a cumulative basis, as a Loyalty Bonus; Max. Increase up to 50% of Sum Insured.

ELIGIBILITY

Minimum Entry Age	91 days
Maximum Entry Age	Child : 24 years Adult : 70 years
Maximum Renewal Age	Lifelong
Age of Proposer	18 Years or above
Relationship Covered	Legally married Spouse, Children, Parents, Brother, Sister, Parents-in-Law, Grandparents, Grandchildren, Uncle, Aunt, Nephew, Niece and any other relationship having insurable interes
Cover Type	Individual
Policy Tenure (in Years)	1 / 2 / 3

Senior Premium

Redefine the value that you get from Your Health Insurance

Features of Senior Premium

Benefit Name	Coverage
SI Options	5L/7L/10L/15L/25L
Co-Payment	20% on All Claims
Room Rent	Room Category modified to Most Economical Single PVT AC Room using Room Rent Modification
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, Pre-Hospitalization expense cover for 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, Post-Hospitalization expense cover for 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	For SI < 15 lac SI – up to Rs. 10,000; For 15 lac and above SI - Up to SI
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Note: Shall not reduce in case of claim
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness
Unlimited E-Consultations	Available for Consultations with General Physicians
Wellness Benefit	Upto 30% discount on Renewal based on meeting Healthy Days criteria
Air Ambulance	Upto Rs.5L
Health Services	Health Portal- Doctor on chat, Healthy tips reminder, etc. Discount Connect – Discounts on services such as consultations, diagnostics, etc at our network.
Initial Wait Period	30 Days
Named Ailment Wait Period	24 Months
PED Wait Period	36 Months

Optional Benefits

Benefit	Coverage
PED Wait Period Modification	PED wait period shall be modified to 1 year/2 years
Named Ailment Wait Period Modification	Named Ailment wait period shall be modified to 1 year
Instant Cover	No PED wait period (for Diabetes/ Hypertension/ Hyperlipidemia / Asthma) If Insured Person has these Pre-Existing Diseases at the time of issuance of first Policy with us, the applicable PED wait period shall be waived off on Diabetes/ Hypertension/ Hyperlipidemia / Asthma.
Cumulative Bonus Super	Up to 100% of Base SI per year, Max up to 500% of Base SI; Note: Shall not reduce in case of claim
Annual Health check up	Once for all Insured every policy year on our Network. Appointment can be booked from Mobile Application
Be-Fit Benefit	Unlimited visits to Fitness centres can be availed by Insured members aged above 12 years
Care OPD(Add-on Policy)	Will allow the Insured members to get re-imbursement for 4 Physical Consultation from GP. Max Rs.1000 per consultation. 10% Co-payment will apply on claim 4 Physical Consultations from 14 Specified Specialist. Max Rs.2000 per consultation. 5% Co-payment will apply on claim Upto Rs.1000 per Year for Physiotherapy OPD Upto Rs.1000 per Year for Psychologist consultation; Max Per session limit is Rs.800/-
Disease Management Program	4 Physical Doctor Consultation per Year related to Diabetes or Hyperlipidemia (As per Program chosen); Max amount Payable is Rs.750/- per consultation Upto Rs.6000/- per Year Prescribed Pharmacy Diagnostic Test at Company Network on cashless basis for Diabetic Customers: HBA1c, Urine proteins – microalbuminuria; Electrolytes Heart Ailment Diagnosed Customer: SGOT; SGPT

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 61 years; Child : 90 Days
Entry Age - Maximum	Adult: Lifelong; Child: 24 Years (last birthday)
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons; Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pre-policy Issuance Medical Check up	As per Underwriting Guidelines
Pricing	Zone 1 - Delhi NCR, Surat, Mathura, Aligarh; Zone 1A – Mumbai (MMR), Rest of Gujarat; Zone 2 - Pune, Indore, Nashik, Telangana; Zone 3 - Rest of India. Note – 1. Cities above means adjoining cities also 2. Delhi- NCR, Mumbai (MMR), is as defined by Government
Who are covered (Relationship with respect to the Proposer having Insurable Interest)	Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand - Father, Grand - Mother

Senior Super

Redefine the value that you get from Your Health Insurance

Features of Senior Super

Benefit Name	Coverage
SI Options	5L/7L/10L/15L/25L
Sub-Limit	Applicable on certain ailments/Treatments
Co-Payment	20% on All Claims
Room Rent	Room Category modified to Most Economical Single PVT AC Room using Room Rent Modification
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, Pre-Hospitalization expense cover for 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, Post-Hospitalization expense cover for 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	For SI < 15 lac SI – up to Rs. 10,000; For 15 lac and above SI - Up to SI
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Note: Shall not reduce in case of claim
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness
Unlimited E-Consultations	Available for Consultations with General Physicians
Wellness Benefit	Upto 30% discount on Renewal based on meeting Healthy Days criteria
Air Ambulance	Upto Rs.5L
Health Services	Health Portal- Doctor on chat, Healthy tips reminder, etc. Discount Connect – Discounts on services such as consultations, diagnostics, etc at our network.
Initial Wait Period	30 Days
Named Ailment Wait Period	24 Months
PED Wait Period	36 Months

Optional Benefits

Benefit	Coverage
PED Wait Period Modification	PED wait period shall be modified to 1 year/2 years
Named Ailment Wait Period Modification	Named Ailment wait period shall be modified to 1 year
Instant Cover	No PED wait period (for Diabetes/ Hypertension/ Hyperlipidemia / Asthma) If Insured Person has these Pre-Existing Diseases at the time of issuance of first Policy with us, the applicable PED wait period shall be waived off on Diabetes/ Hypertension/ Hyperlipidemia / Asthma.
Cumulative Bonus Super	Up to 100% of Base SI per year, Max up to 500% of Base SI; Note: Shall not reduce in case of claim
Annual Health check up	Once for all Insured every policy year on our Network. Appointment can be booked from Mobile Application
Be-Fit Benefit	Unlimited visits to Fitness centres can be availed by Insured members aged above 12 years
Care OPD(Add-on Policy)	Will allow the Insured members to get re-imbursement for: 4 Physical Consultation from GP. Max Rs.1000 per consultation. 10% Co-payment will apply on claim 4 Physical Consultations from 14 Specified Specialist. Max Rs.2000 per consultation. 5% Co-payment will apply on claim Upto Rs.1000 per Year for Physiotherapy OPD Upto Rs.1000 per Year for Psychologist consultation; Max Per session limit is Rs.800/-
Disease Management Program	4 Physical Doctor Consultation per Year related to Diabetes or Hyperlipidemia (As per Program chosen); Max amount Payable is Rs.750/- per consultation Upto Rs.6000/- per Year Prescribed Pharmacy Diagnostic Test at Company Network on cashless basis for: Diabetic Customers: HBA1c, Urine proteins – microalbuminuria; Electrolytes Heart Ailment Diagnosed Customer:SGOT; SGPT

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 61 years; Child : 90 Days
Entry Age - Maximum	Adult: Lifelong; Child: 24 Years (last birthday)
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons; Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pre-policy Issuance Medical Check up	As per Underwriting Guidelines
Pricing	Zone 1 - Delhi NCR, Surat, Mathura, Aligarh. Zone 1A - Mumbai (MMR),Rest of Gujarat. Zone 2 - Pune, Indore, Nashik, Telangana. Zone 3 - Rest of India. Note – 1. Cities above means adjoining cities also 2. Delhi- NCR , Mumbai (MMR), is as defined by Government
Who are covered (Relationship with respect to the Proposer having Insurable Interest)	Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand - Father, Grand - Mother

Treatment Sub-limits

Treatments	SI < 10L	SI >= 10L - 20L	SI > 20L
Cataract (Per Eye)	up to Rs.30,000	up to Rs.40,000	up to Rs.50,000
Knee Replacement (Per Knee)	up to Rs.1,25,000	up to Rs.1,50,000	up to Rs.2,00,000
Treatment for each and every Ailment / Procedure mentioned below:
Cerebrovascular Accident and Cardio vascular Diseases Cancer (Including Chemotherapy / Radiotherapy) Medical Renal Diseases (Including Dialysis) Treatment of Breakage of Long Bones	up to Rs.3,00,000	up to Rs.4,00,000	up to Rs.5,00,000
Treatment for each and every Ailment / Procedure mentioned below:
Surgery for treatment of all types of Hernia Hysterectomy Surgeries for Benign Prostate Hypertrophy (BPH) Surgical treatment of stones of renal system	up to Rs.1,00,000	up to Rs.1,50,000	up to Rs.2,00,000

Note:

Limits are Per Year basis.
Sub-Limit amount is inclusive of Pre & Post Expenses

Supreme Enhance

Redefine the value that you get from Your Health Insurance

Upto 600% increase of SI with Cumulative Bonus Super
Unlimited Automatic Recharge
Upto 30% discount with Wellness Benefit
No reduction of accumulated bonus due to Claim
Upto 30% discount on renewal due to Wellness Benefit
No sub-limits on Advanced Technology treatments

Plan Details

Product Name	Enhance Plus
Plan	Plan A		Plan B
Sum Insured (SI) – on annual basis ( in Rs.)	30 Lac , 40 Lac , 43 lac, 45 lac, 50Lac , 60 lac , 75 Lac , 85 lac, 90 Lac ,93 lac, 95 Lac, 1 Cr , 1.25 Cr , 1.5 Cr, 2Cr, 6Cr	5 Lac, 10Lac, 15 Lac, 20 Lac, 25 Lac	NA
Deductible Options	3lac , 5 lac , 7 Lac , 10 Lac , 15 lac , 20Lac , 25Lac	1 lac, 2 lac, 3 lac, 4 lac, 5 lac	NA
Age of Proposer	18 years or above		18 years or above
Entry Age – Minimum	Adult : 18 years Child : 90 Days		Adult : 18 years Child : 90 Days
Entry Age – Maximum	Adult : Lifelong Child : 24 Years (last birthday)		Adult : Lifelong Child : 24 Years (last birthday)
Exit Age	Adult : Lifelong Child : 25 Years		Adult : Lifelong Child : 25 Years
Cover Type	Individual: max up to 6 persons Floater: max up to 2A4C		Individual: max up to 6 persons Floater: max up to 2A4C
Tenure Options	Yes, as per Appendix I		Yes, as per Appendix I
Who are covered (Relationship with respect to the Proposer having Insurable Interest)	Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand - Father, Grand – Mother or any relationship with whom Proposer has Insurable Interest
Premium Payment Term	Single/Monthly/Quarterly/Half-yearly
Pricing	Flat pricing

Plan A

S. No.	Base Benefit
1.	Hospitalization Expenses
	- In-Patient Care	Up to SI
	- Day Care Treatments	All Day Care Procedures, up to SI
	- Advance Technology Methods	Up to SI
	- Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses- base	Pre-Hospitalization expense cover for 60 days prior to hospitalization & Post-Hospitalization expense cover for 90 days after discharge; Maximum up to SI
	- Domiciliary Hospitalization	Up to SI
	- Organ Donor Cover	Up to SI
	- AYUSH Treatment	Up to SI
2.	Road Ambulance Cover	Up to SI
3.	Cumulative Bonus	10% of SI per year, max up to 100% of SI; Note: Shall not reduce in case of claim
3.	Unlimited Automatic Recharge	Available unlimited times for unrelated or same illness

Plan B

	Deductible
Benefit 1: Proportionate Charges Cover	The sub limits applicable on Room Rent/Room Category and Associated Medical Expenses as per the active base policy acts as the deductible, thereafter this benefit will provide coverage up to actuals over and above the mentioned sub limit.
Benefit 2: Cataract Treatment	Sum Insured - 25K, 50K, 1 lac, 2 lac, 3 lac, 5 lac The sub-limit on Cataract as mentioned in the active base policy shall act as a deductible, thereafter this Benefit will provide coverage up to Sum Insured over and above the active base policy limit

Features

Waiting Periods
1.	Initial Waiting Period (not applicable on accident cases)	30 Days
2.	Named Ailment Waiting Period	24 months
3.	Pre-Existing Diseases Waiting Period	36 months
Sub Limits
1.	Room Eligibility	Single Private AC Room
2.	ICU Charges	No Limit
Discounts
	Discount Percentage	Discount Percentage
1.	Discount for Employee and/or their dependents of CHIL, CHIL promoters	15.00%
2.	Tenure Discount	7.5% - on 2nd year policy term, for 2 year tenure 10% - on 3rd year policy term, for 3 year tenure
3.	Family Discount	2,3 ,4 and above members – 5 % Not applicable on primary insured member
4.	Cross Sell Discount (in lieu of commission)	Up to 15%
5.	Discount in lieu of Commission	Up to 15%
6.	Direct discount	Fresh & renewal – up to 10%
7.	Renewal discount	Within 30 days before premium payment due date – 1% Between 30 days to 60 days (inclusive) before premium payment due date – 2.5%
8.	Corporate GMC Policyholder discount	5%
9.	NRI Policyholder Discount	Up to 15%
	Age	Particular
1.	Up to 65 years	No Medical Tests if no Pre-Existing declared
66 Years and above	Medical Tests as follows- MER, CBC &ESR, HBA1C, T. Cholesterol, ECG, SGPT, S. Creatinine , RUA

POS Care Supreme

Redefine the value that you get from Your Health Insurance

Features of POS Care Supreme

Benefit Name	Coverage
Base Policy SI	5L
Plus Benefit	Increase Base SI by 40%/100%/200%
Total Coverage Inclusive of Plus Benefit	5L/7L/10L/15L
Room Rent/ICU	No Limit
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, Pre-Hospitalization expense cover for 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, Post-Hospitalization expense cover for 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	For SI < 15 lac SI – up to Rs. 10,000 For 15 lac and above SI - Up to SI
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Note: Shall not reduce in case of claim
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness
Unlimited E-Consultations	Available for Consultations with General Physicians
Wellness Benefit	Upto 30% discount on Renewal based on meeting Healthy Days criteria
Air Ambulance	Upto Rs.5L
Health Services	Health Portal- Doctor on chat, Healthy tips reminder, etc. Discount Connect – Discounts on services such as consultations, diagnostics, maternity etc at our network.
Initial Wait Period	30 Days
Named Ailment Wait Period	24 Months
PED Wait Period	36 Months

Optional Benefits

PED Wait Period Modification	PED wait period shall be modified to 1 year/2 years
Named Ailment Wait Period Modification	Named Ailment wait period shall be modified to 1 year
Instant Cover	No PED wait period (for Diabetes/ Hypertension/ Hyperlipidemia / Asthma) If Insured Person has these Pre-Existing Diseases at the time of issuance of first Policy with us, the applicable PED wait period shall be waived off on Diabetes/ Hypertension/ Hyperlipidemia / Asthma.
Cumulative Bonus Super	Up to 100% of Base SI per year, Max up to 500% of Base SI ;Note: Shall not reduce in case of claim
Annual Health check up	Once for all Insured every policy year on our Network . Appointment can be booked from Mobile Application
Be-Fit Benefit	Unlimited visits to Fitness centres can be availed by Insured members aged above 12 years
Care OPD(Add-on Policy)	Will allow the Insured members to get re-imbursement for 4 General Physician Consultations. Max Amount will not exceed Rs.500/- per consultation 4 Specialist Consultations. Max Amount will not exceed Rs.500/- per consultation

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 90 days
Entry Age - Maximum	Adult: Lifelong; Child: 24 Years(last birthday)
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons; Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pre-policy Issuance Medical Check up	As per Underwriting Guidelines
Pricing	Zone 1 - Delhi NCR, Surat, Mathura, Aligarh; Zone 1A – Mumbai (MMR), Rest of Gujarat; Zone 2 - Pune, Indore, Nashik, Telangana; Zone 3 - Rest of India. Note – 1. Cities above means adjoining cities also 2. Delhi- NCR, Mumbai (MMR), is as defined by Government
Who are covered (Relationship with respect to the Proposer having Insurable Interest)	Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand - Father, Grand - Mother

POS Senior Premium

Redefine the value that you get from Your Health Insurance

Upto 600% increase of SI with Cumulative Bonus Super
Unlimited Automatic Recharge
Upto 30% discount with Wellness Benefit
No reduction of accumulated bonus due to Claim
Upto 30% discount on renewal due to Wellness Benefit
No sub-limits on Advanced Technology treatments

Features of POS Senior Premium

Benefit Name	Coverage
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Room Rent	All Category Rooms Allowed
ICU	No Limit
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to RS 10,000 per year
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 91 days
Entry Age - Maximum	Adult: 99; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pricing	Delhi NCR, Mumbai Metropolis Area (including Mumbai suburban, Thane, Palghar, Raigad, any other city defined by Government ), Gujarat State, Aligarh, Mathura Delhi NCR includes Delhi, Baghpat, Bulandshahr, Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar, Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal, Mahendragarh, Nuh, Palwal, Panipat, Rewari, Bhiwani, Alwar, Bharatpur, Rohtak , Sonipat , any other city defined by Government) Zone 2: Rest of India
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	48 months

POS Senior Super

Redefine the value that you get from Your Health Insurance

Upto 600% increase of SI with Cumulative Bonus Super
Unlimited Automatic Recharge
Upto 30% discount with Wellness Benefit
No reduction of accumulated bonus due to Claim
Upto 30% discount on renewal due to Wellness Benefit
No sub-limits on Advanced Technology treatments

Features of POS Senior Super

Benefit Name	Coverage
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Room Rent	All Category Rooms Allowed
ICU	No Limit
Advance Technology Methods	Up to SI
Pre-Hospitalization Medical Expenses	Up to SI, upto 60 days prior to hospitalization
Post Hospitalization Medical Expenses	Up to SI, upto 180 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalization	Up to SI
Organ Donor Cover	Up to SI
Road Ambulance Cover	Up to RS 10,000 per year
Cumulative Bonus	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-Consultations	Available for Consultations with General Physicians
Health Services	Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.

ELIGIBILITY

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 91 days
Entry Age - Maximum	Adult: 99; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Pricing	Delhi NCR, Mumbai Metropolis Area (including Mumbai suburban, Thane, Palghar, Raigad, any other city defined by Government ), Gujarat State, Aligarh, Mathura Delhi NCR includes Delhi, Baghpat, Bulandshahr, Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar, Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal, Mahendragarh, Nuh, Palwal, Panipat, Rewari, Bhiwani, Alwar, Bharatpur, Rohtak , Sonipat , any other city defined by Government) Zone 2: Rest of India
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	48 months

Student Explore

With Student Explore, you can cover all the significant aspects of the plan, including the likes of in-patient care, medical expenses, and so much more.

Instant Policy Issuance
No Pre-policy Medicals required for Policy Issuance
Coverage for Trip Cancellation, Interruption or delay
Coverage for Checked-in-baggage loss or delay

Features of Student Explore

KEY FEATURES	Explore Start	Explore Plus	Explore Super	Explore Ultra
Medical Expenses	NA	Euro 50,000 / Euro 100,000	Euro 50,000 / Euro 100,000 / Euro 300,000 / Euro 500,000	Euro 50,000 / Euro 100,000 / Euro 300,000 / Euro 500,000 / Euro 1,000,000
In-patient Care	NA	Up to SI of Medical Expenses	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Pre-Existing Disease Cover in Life Threatening Medical Condition	NA	Up to 10% of SI of Medical Expenses	Up to 10% of SI of Medical Expenses	Up to 10% of SI of Medical Expenses
Extended Cover in the Country of Residence	NA	Up to SI of Medical Expenses	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Out-patient Care	NA	Up to SI of Medical Expenses	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Repatriation of Mortal Remains (Part of Medical Expenses)	NA	Euro 7,500	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Medical Evacuation (Part of Medical Expenses)	NA	Euro 7,500	Up to SI of Medical Expenses	Up to SI of Medical Expenses
Dental Expenses	NA	Euro 250	Euro 500	Euro 750
Daily Allowance	NA	NA	NA	Euro 50 per day, max 7 days
Accidental Death Permanent Total Disablement Permanent Partial Disablement	Euro 30,000	Euro 15,000	Euro 30,000	Euro 30,000
Compassionate Visit	Euro 5,000	NA	Euro 5,000	Euro 7,500
Loss of Checked-in Baggage	Euro 1000	Euro 500	Euro 1000	Euro 2000
Delay of Checked-in Baggage	Euro 150	NA	Euro 150	Euro 150
Loss of Passport	Euro 150	NA	Euro 150	Euro 150
Loss of International driving license	Euro 100	NA	Euro 100	Euro 150
Personal Liability	Euro 100,000	Euro 100,000	Euro 100,000	Euro 100,000
Study interruption	Euro 10,000	Euro 7,500	Euro 10,000	Euro 15,000
Sponsor Protection	Euro 15,000	Euro 10,000	Euro 15,000	Euro 15,000
Bail Bond	Euro 5,000	Euro 500	Euro 5,000	Euro 5,000
University Insolvency	NA	NA	NA	Euro 7,500
Trip Delay	NA	NA	NA	Euro 200
Loss of Laptop / Tablet	NA	NA	NA	Euro 250
Emergency Cash Advance	NA	NA	NA	Euro 1,000
Coverage at home country	NA	Up to 5% of SI of Medical Expenses	Up to 5% of SI of Medical Expenses	Up to 5% of SI of Medical Expenses
Treatment for Mental and Nervous disorders (Part of Medical Expenses)	NA	NA	Euro 1,500	Euro 3,000
Treatment for Alcoholism and Drug Dependency (Part of Medical Expenses)	NA	NA	Euro 1,500	Euro 3,000
Cancer screening and Mammographic Examination (Part of Medical Expenses)	NA	NA	Euro 2,000	Euro 4,000

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