|List of Procedures||Limits per policy period|
|A. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)||Upto 50% of the sum insured|
|B. Balloon Sinuplasty||Upto 50% of the sum insured|
|C. Deep Brain stimulation||Upto 50% of the sum insured|
|D. Oral chemotherapy||Upto 50% of the sum insured|
|E. lmmunotherapy- Monoclonal Antibody to be given as injection||Upto 50% of the sum insured|
|F. lntra vitreal injections||Upto 50% of the sum insured|
|G. Robotic surgeries||Upto 50% of the sum insured|
|H. Stereotactic radio surgeries||Upto 50% of the sum insured|
|I. BronchicalThermoplasty||Upto 50% of the sum insured|
|J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)||Upto 50% of the sum insured|
|K. ION M - (antra Operative Neuro Monitoring)||Upto 50% of the sum insured|
|L. Stern cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.||Upto 50% of the sum insured|
5% of the expiring Sum Insured for each claim free policy year subject to maximum of 50% of the sum insured under the current policy year.
5% of copayment is applicable for each and every claim is irrespective of age at entry.
The Company shall not be liable under this policy directly or indirectly for
Persons above 50 years of age will have to undergo pre-acceptance health screening at the company’s nominated centers.
Are covered after 48 months of continuous Insurance without break.
Premium can be paid Quarterly and Half Yearly. Premium can also be paid Annually
Rs.50,000; Rs.1,00,000 ; Rs.1,50,000 ; Rs.2,00,000 ; Rs.2,50,000 ; Rs.3,00,000 ; Rs.3,50,000 ; Rs.4,00,000; Rs.4,50,000; Rs.5,00,00; Rs.5,50,000; Rs.6,00,000; Rs.6,50,000; Rs.7,00,000; Rs.7,50,000; Rs.8,00,000; Rs.8,50,000; Rs.9,00,000; Rs.9,50,000; Rs.10,00,000;
For identified Rural areas, discount of 20% is available on the premium.
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :
If the Insured has not made any claim during the free look period, the Insured shall be entitled to –
a refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges
where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover
where only a part of the insurance coverage has commenced , such proportionate premium commensurate with the insurance coverage during such period.
Free look period shall not be applicable at the time of renewal