Care
Ultimate Care
Unlimited 10 Lac
Room Rent Covered Up to Sum Insured Covered Up to Sum Insured
ICU Limit Covered Up to Sum Insured Covered Up to Sum Insured
Pre Hospitalization 60 Days 60 Days
Post Hospitalization 90 Days 90 Days
Road Ambulance Covered Up to Sum Insured Covered Up to Sum Insured
Air Ambulance Covered Up to Sum Insured Covered Up to Sum Insured
Day Care All day care covered up to sum insured All day care covered up to sum insured
Domiciliary Treatment Covered Up to Sum Insured Covered Up to Sum Insured
Once covered for every member on cashless basis as Once covered for every member on cashless basis
Health Check up per pre defined list optional rider (Mandatory for as per pre defined list optional rider (Mandatory for
certain age) certain age)
Organ Donor Covered Up to Sum Insured Covered Up to Sum Insured
Unlimited timnes restore for realted and unrealted
Refill Restore Reload Recharge Unlimited Sum Insured so no need to restore
illness
Bonus 50% of Sum Insured per year irrespective of
claim to max up to 100% & Infinity Bonus optional
No Claim Bonus Unlimited Sum Insured so no need to bonus+ covered get a 100% sum insured bonus every year,
unlimited times, irrespective of claims with
continuous renewal
AYUSH Benefit Covered Up to Sum Insured Covered Up to Sum Insured
AYUSH Pre & Post only inpatient treatment is covered only inpatient treatment is covered
Initial Waiting Period (NA in Port) 30 Days 30 Days
Specific Disease Waiting (NA in Port) 24 Months 24 Months
Pre Existing Waiting 36 Months (Reuced option to 24 or 12 months) 36 Months (Reuced option to 24 or 12 months)
7.5% for 2nd year, 10% for 3rd year, 12.5% for 4th 7.5% for 2nd year, 10% for 3rd year, 12.5% for 4th
Multi Years Discounts
year & 15% for 5th year year & 15% for 5th year
Hospital Cash Not Avaliable Not Avaliable
Optional OPD Cover 4 GP visits and 4 Specialist Optional OPD Cover 4 GP visits and 4 Specialist
consultations (out of 14), reimbursed upto 500 per consultations (out of 14), reimbursed upto 500 per
OPD
visit & covers upto 5000 yearly for GP & Specialist visit & covers upto 5000 yearly for GP & Specialist
consultations per member (500 per visit) consultations per member (500 per visit)
Robotics Treatment Covered Up to Sum Insured Covered Up to Sum Insured
Claim Shield optional covered list of item as per Claim Shield optional covered list of item as per
Consumables Coverage annexure I (Lists I, II, III & IV)covered up to Sum annexure I (Lists I, II, III & IV)covered up to Sum
Insured Insured
Min age 18 year to max no limit & Child 91 days to Min age 18 year to max no limit & Child 91 days to
Entry Age Restriction
max up to 24 year max up to 24 year
Co Payments & Sub Limits No Copay at Any age or any illness No Copay at Any age or any illness
Co payment for treatment in higher zone No Zonal Copay (Pan India Treatment) No Zonal Copay (Pan India Treatment)
Room Avaliable upto sum insured so no higher room Room Avaliable upto sum insured so no higher
Co payment for treatment in higher room
co pay room co pay
Maternity Not Covered Not Covered
Refund of 1st year base premium after every 5 Refund of 1st year base premium after every 5
consecutive claim free years as a reward for staying consecutive claim free years as a reward for staying
healthy healthy
Premium freeze add on benefit of locking your
Sum insured doubles if no claim id made for 7 years
Special About Product premium until the first paid claim and avoiding age
with waiting period waived for this additional cover.
based premium hikes.
Premium freeze add on benefit of locking your
premium until the first paid claim and avoiding age
based premium hikes.
Be-Fit Plus Benefit offers unlimited fitness centre Unlimited care ensures lifetime full coverage with
visits for insured persons above 12 years. no cap on any single claim.
Get up to 30% renewal premium discount based on Be-Fit Plus Benefit offers unlimited fitness centre
your healthy days. visits for insured persons above 12 years.
Welcome Discount Up to 30% off on premium for Get up to 30% renewal premium discount based on
new policy buyers. your healthy days.
On 1st renewal, the policyholder gets 2 pharmacy Welcome Discount Up to 30% off on premium for
vouchers of 250 each. new policy buyers.
Health Services include a Health Portal (doctor chat,
Tenure multiplier combines the total sum insured of
health tips, reminders) and Discount Connect
a multi year policy for a single claim within the
(discounts on consultations, diagnostics, maternity,
policy tenure
etc. at network providers).
Unlimited e-consultations available with general On 1st renewal, the policyholder gets 2 pharmacy
physicians and specialists. vouchers of 250 each.
Important additional info Instant Cover allows hospitalization claims for Health Services include a Health Portal (doctor chat,
Diabetes, Hypertension, Obesity, Coronary Artery health tips, reminders) and Discount Connect
Disease (with PTCA done >1 year), Hyperlipidemia & (discounts on consultations, diagnostics, maternity,
Asthma after a 30-day waiting period etc. at network providers).
If the newborn is added within 90 days of birth, the Unlimited e-consultations available with general
same waiting period as the existing policy will apply physicians and specialists.
Instant Cover allows hospitalization claims for
Grace Period Cover provides hospitalization expense Diabetes, Hypertension, Obesity, Coronary Artery
coverage during the renewal grace period. Disease (with PTCA done >1 year), Hyperlipidemia &
Asthma after a 30-day waiting period
If the newborn is added within 90 days of birth, the
same waiting period as the existing policy will apply
Grace Period Cover provides hospitalization
expense coverage during the renewal grace period.