Guaranteed Return Plans

Extensive coverage for a wide range of medical expenses including room rent, doctor’s fees, nursing charges, surgery costs, medical tests and other healthcare needs

Provides financial protection in case of Accidental Death, Disability, Hospitalisation, Adventure Sports benefit

Provides financial support if the insured is diagnosed with a serious illness like cancer, heart-attack, stroke

You can purchase to enhance basic health insurance coverage by adding riders to your policy to offer benefits like Tele-Consultation, Non-Medical consumables cover, Dental Welness

Get benefitted with host of discounts like Direct/online, Family member, Zone wise, Fitness and Wellness

Avail preventive health check-ups every year with select plans from the first year of your policy to stay ahead of health issues

*For Age group of 0-20 Premium Starts at INR 5426 Annually which is about INR 15 per day.

Covers hospitalisation expenses due to illness, accidents, and surgeries

Pre & post hospitalisation expenses with flexible customisation options to suit your needs are covered

Coverage for medical expenses like Room Rent, ICU are covered

Any medical expenses incurred while undergoing advanced treatment methods and modern technological procedures are covered

Medical expenses for an organ donor’s in-patient treatment during organ harvesting are covered, provided the insured is the recipient of the donated organ

Coverage for ayurvedic, yoga, unani, siddha and homeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury

Coverage for expenses incurred during treatment for maternity, surrogacy, complications of assisted reproductive technologies (ART) and newborn

Additional sum insured for covering hospitalisation expenses of a newborn is provided

Covers expenses incurred for items such as wheelchair, crutches, walker, and hearing aid required after an illness or injury

Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan

Additional coverage options like cumulative bonus, airlift cover, family visit, renewal premium waiver, and consumables cover among others are available with select plans

Please read policy wording for detailed terms and conditions

Treatment expenses during the first 30 days except for treatment of accidental injuries

Treatment expenses for pre-existing diseases, including diabetes, asthma, and thyroid, during the pre-defined, continuous waiting period of 12/ 24/ 36 months

Expenses incurred during treatment of certain illnesses, including hernia, gout, endometriosis, and cataract for the pre-defined, continuous waiting period of 12/ 24/ 36 months

Coverage for maternity treatment for a pre-defined, continuous waiting period of 12/ 24/ 36 months unless specifically optec

Cost of diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment

Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances

Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns

Medical expenses incurred as a result of self-harm, as a result of intoxication, illegal actions, hazardous activities, etc.

Part of the claim will be covered by you (the policyholder) if you have opted for deductibles or co-pay

Please read policy wording for detailed exclusions

Select plans cover medical expenses incurred overseas in case of emergency care (up to the sum insured limit)

Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service with select plans

Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet and nutrition consultations as per the chosen health insurance plan

Pays an agreed daily cash amount in case of in patient hospitalisation

Covers cost of consumable items (e.g., gloves, syringes, bandages) used during treatment, up to specified limit