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IRDAI LICENSE NUMBER :
10059249
CARE HEALTH PLANNER CODE :
20019154
THANK YOU!
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Our certified care health planner & get the health insurance advice best suited to your needs
ANITA JUNEJA is IRDAI certified insurance advisor with extensive experience in insurance industry. She has been part Care Health Insurance’s team since 21-11-14 and has enabled many individuals and their families get comprehensive coverage at an affordable price by helping them choose a plan, best suited to their needs, from our wide range of insurance solutions.
New Product
Care Supreme
Redefine the value that you get from Your Health Insurance
Individual Health Cover
Care
Comprehensive Health Insurance Plan
Care AdvantageHigher Coverage at Affordable Premium Comprehensive Health Insurance Plan
Care Plus Complete
Feature rich Comprehensive Health Insurance Plan
Care Plus Youth
Feature rich Comprehensive Health Insurance Plan
Arogaya Sanjeevani
Treatment with Modern Technologies
Family Health Cover
Care
Comprehensive Health Insurance Plan
Care AdvantageHigher Coverage at Affordable Premium Comprehensive Health Insurance Plan
Care Plus Complete
Feature rich Comprehensive Health Insurance Plan
Care Plus Youth
Feature rich Comprehensive Health Insurance Plan
Care Classic
Comprehensive Health Insurance Plan
Care Classic with Instant Coverage
Comprehensive Health Insurance Plan
Arogaya Sanjeevani
Treatment with Modern Technologies
Senior Citizen Health Cover
Care for Senior Citizen
Comprehensive Health Insurance coverage for Senior citizens
Senior Health Advantage
Silver Plan
Pre- Existing Disease Cover
Care Freedom
Comprehensive coverage for customers with multiple existing conditions
Care Heart
Comprehensive coverage for customers with Heart Ailments
High Sum Insured Health Cover
Care AdvantageHigher Coverage at Affordable Premium Comprehensive Health Insurance Plan
Enhance
Top Up Plan
Special Product
Super Care Advantage
High coverage in India and Abroad
Critical Mediclaim
Low cost coverage for 32 Specified Major illness treatments
Cancer Mediclaim
Low cost coverage for Cancer Treatment
Heart Mediclaim
Low cost coverage for treatment of 16 Specified Heart conditions
Maternity Coverage
Joy Today
Health Insurance cover with Maternity coverage after 9 Months
Travel
Explore
Overseas Travel Insurance for Tourist and Business Travellers
Student Explore
Overseas Travel Insurance for Students Travelling for Higher Studies
Are you Looking for an Insurance Product ?
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
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 4 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
48 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 48 Months Wait Period for declared Pre Existing Disease
Arogaya Sanjeevani
Product designed by regulator to provide health insurance coverage to masses and standardize coverage.
Regulator Designed Product
Treatment with Modern Technologies like Robotics Surgery, etc allowed
All Category room allowed upto 2% of SI or Rs.5000
AYUSH Treatment
Features of Arogaya Sanjeevani
KEY FEATURES
3 Lac/5 Lacs
PRE-HOSPITALIZATION
30 Days
POST HOSPITALIZATION
60 Days
HOSPITALIZATION EXPENSES
Upto SI
COVERAGE OF LISTED MODERN/ADVANCE TECHNOLOGY TREATMENTS
Upto 50% of SI
CATARACT
Up to 25% of SI or Rs.40, 000/- per eye, whichever is lower
ROOM RENT
2% of SI or Rs.5000/- which ever is lower
ICU CHARGES
5% of SI or Rs.10,000/- which ever is lower
AMBULANCE COVER
Upto Rs.2000 per hospitalization
AYUSH TREATMENT
Up to SI
NO CLAIM BONUS
5% Increase in SI in case of Claim free Year;Max 50% increase in SI in Policy
CO-PAYMENT
5% on every claim
INITIAL WAIT PERIOD
30 Days for all Illness except Accidental injury
NAMED AILMENT WAIT PERIOD
24 Months & 48 Months
PRE-EXISTING DISEASE WAIT PERIOD
48 Months
PROPOSER- INSURED ALLOWED RELATIONSHIPS
Self, Legally wedded spouse, Dependent children, Parents, Parents-in-law. (Proposer above 65 Years can obtain policy for family without covering self)
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 Ailments48 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 48 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 Period48 Months for declared Pre-existing Disease
30 Days Initial wait Period24 Months Named Ailment Wait Period48 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 Ailments48 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 Ailments48 Months Wait Period for declared Pre Existing Disease 9 Months for Maternity
30 Days Initial Wait Period24 Months Wait Period for Named Ailments48 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
No claim bonanza ( Optional Cover)
yes
Yes
Wait Period
30 Days Initial Wait Period24 Months Wait Period for Named Ailments48 Months Wait Period for declared Pre Existing Disease 24 Months for Maternity
30 Days Initial Wait Period24 Months Wait Period for Named Ailments48 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
Kindly enter the location to view the plan features
Asia
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
Care Supreme
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 Care Supreme
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
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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