We cover all your hospitalization expenses up to your selected sum insured.

We pay for your medical treatment if you get hospitalized for less than 24 hours. 530 procedures covered up to sum insured.

We understand you might need medical care before getting hospitalized. This is why our plan covers your pre-hospitalization expenses up to 90 days.

Medical care is a must after hospitalization. This is why our plan covers your post-hospitalization expenses up to 120 days.

If you need an organ transplant, we will cover the charges for the treatment of the organ donor. However, this will not include donor screening, pre and post-hospitalization expenses of the donor, organ acquisition costs.

We will cover your expenses for a bariatric surgery up to 50% of the sum insured, with a maximum of Rs.5 lakh for each policy year.

We will pay for your medical treatment for HIV/AIDS.

If you need medical care for mental/ psychiatric illness, the policy will take care of the expenses.

If you are hospitalized, we will cover your hospital room rent charges.

We will also take care of your ICU charges.

The policy will also cover wellness benefits like tele counselling, health contents, webinars, vouchers, and health check-ups.

We will cover your OPD expenses if you visit a hospital or clinic for diagnosis and treatment at the recommendation of a doctor.

We will cover your LASIK surgery expenses if the refractive error is more than or equal to +7.5 dioptre. You can make a claim only once during the entire policy tenure.

We will pay for your gender reassignment surgery after a waiting period of 4 years.

We will cover the charges for diagnostic tests and vaccinations for Screening of breast cancer, Hepatitis-B vaccination, HPV vaccination, Screening for cervical cancer- PAP smear and HIV test.

This is the extra sum insured that we offer without increasing your premium. If you do not make any claim in a year, we will renew your cumulative bonus by 25% for that year.

The plan also covers the following treatment/ procedure using modern medical methods like Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain stimulation. Robotic surgeries and a few more. We will pay 50% of the sum insured, with a maximum of Rs. 5 lakh for each policy year.

If you make a second claim in the policy year and exhaust your sum insured and cumulative bonus, we will restore 100% of the sum insured. For this, you must use the restore sum insured for the same or new illness and you can use the restored sum insured once in a lifetime for chemotherapy and dialysis.

The policy will cover pre and post-maternity expenses. For this, the insured female must be covered with her spouse for 3 continuous years.

We will take care of the road ambulance expenses to ensure you reach the hospital safely and on time.

We will cover the emergency air ambulance charges if you need to get medical treatment in a different Indian city.

If you are hospitalized, we will pay you a fixed amount for every 24 hours you spend at the hospital.

We will pay a fixed amount if you are hospitalized for more than 10 days.

If the insured person is less than 12 years, we will cover the expenses of the person accompanying them.

We will pay a fixed amount in the event of accidental death of the primary insured person and their spouse.

If you need medical treatment for a critical illness, we will increase the sum insured.

For every completed policy year, you will receive a 100% increase in the sum insured on a cumulative basis.

We will offer an additional sum insured if you are hospitalized due to an accident.

We will pay for non-medical and consumable expenses.

The plan covers your home health care expenses up to 20% of the sum insured.

We take care of your expenses for alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy.

With the DIY Health plan, you can also opt for a voluntary co-payment.

Depending on your plan, a deductible will apply up to Rs. 1 lakh.