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Plan Highlights
Unit linked Health Protection Insurance plan, which provides for insurance cover against following health
risks:
1. Hospital Cash Benefit (HCB)
2. Major Surgical Benefit (MSB)
3. Reimbursement of domiciliary treatment expenses
DEATH BENEFIT:
1. If policy is issued on a single life: N.A.V. Payable to nominee.
2. If one or more Insured lives (other than PI) are covered
The payment of premiums will cease. However, the cover shall continue for the surviving Insured lives
till the maximum benefitceasing age or till the fund is sufficient to recover the charges for hospital cash cover
and surgical benefit cover, whichever is earlier
1. Hospital Cash Benefit (HCB)
· HCB is payable on per day basis.
· This Benefit will increase at each policy anniversary by 5% till it reaches a maximum of 1.5 times the
Initial Daily Benefit.
· ICU Daily Benefit: Twice Applicable Daily Benefit of that policy year.
· For every hospitalization, no benefit paid for the first 48 hours (two days)
· Maximum. 18 days hospitalization & including not more than 9 days in intensive care unit in the 1st
policy year for each insured.
· Maximum. 60 days hospitalization. and including not more than 30 days in I.C.U. in the 2nd &
subsequent policy years for each insured.
· Limited to a maximum of 365 days during entire policy term for each insured.
· Insured Child up to age 5 yrs: Maximum period of 90 (ninety) days.
· Applicable only within India.
· Waiting period: 180 days for new policy & 90 days after revival.
· Termination: After his/her reaching 75 years OR Maximum lifetime claim limit of 365 days.