• Hospitalization expenses: Most Hospitalization expenses up to the sum insured if hospitalized for 24 hours or more

  • Pre & post hospitalization expenses: Expenses incurred 30 days before and 60 after hospitalization

  • Room rent limits: Normal rooms that cost up to 2% of Sum Insured and ICU rooms that cost up to 4% of the sum insured per day

  • Waiting periods: 0 days on Injuries & accidents, 1 yr on named ailments (see more), 4 yrs on pre-existing diseases, and 30 days on all other treatments

  • Daycare treatments: Several procedures (see more) or treatments that do not require 24 hours of hospitalization.

  • Pre-existing diseases: All pre-existing diseases after a waiting period of 4 years of continuous cover

  • Ambulance charges: Ambulance charges limited to ₹1,000 per hospitalization

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