| Key Features & Benefits of Top-Up Policy |
| About of the policy |
This is a top-up policy with floater sum insured having Sliver & Gold Plan options. |
| For Whom |
For Family (Family means - Self, Spouse and financially dependent children). |
| Entry Age |
For Adults: 18years – 65 years |
| For Children: 91days - 25 years. |
| Co-payment (applicable for Gold Plan) |
10% Co-payment is applicable if the age at entry is above 60 years. |
| Renewal |
Lifelong renewal |
| Max No. of persons covered under one policy |
5 Persons (Self, Spouse + 3 Dependent Children) |
| Policy Term |
One Year |
| Pre Policy Medical Checkup
|
Not required |
| Coverage |
Silver Plan |
Gold Plan |
| Sum Insured (Rs. In Lakhs) |
10 L |
5L / 10L / 15L / 20L / 25L |
| Deductible & Defined Limits (Rs. In Lakhs) |
3L / 5L(Deductible) |
3L / 5L / 10L(Defined limit) |
| Key Difference between Silver Plan & Gold Plan |
Payable when covered medical expenses exceed the deductible for every hospitalization |
Payable when the aggregate of covered medical expenses exceed the defined limit in a policy year |
| Coverage |
Silver Plan |
Gold Plan |
| In-patient Hospitalization |
Room Rent – Up to Rs.4,000/- per day |
Room - Single Standard AC Room |
| ICU Charges, Doctor Fees, Diagnostic Tests, Drugs & Medicines |
Covered up to Sum Insured |
Covered up to Sum Insured |
| Day Care Procedures |
All day care procedures are covered |
All day care procedures are covered |
| Pre-Hospitalization |
30 days |
60 days |
| Post-Hospitalization |
60 days |
90 days |
| Road Ambulance |
Not available |
Rs.3,000/- Per hospitalization |
| Air Ambulance |
Not available |
Covered up to 10% of Sum Insured(available for SI of Rs.10 Lakh and above) |
| Organ Donor Expenses |
Not available. |
Covered up to Sum Insured |
| Option for Migration |
Not available. |
Available after 5 continuous policy years |
| Medical Second Opinion |
Not available |
Available |
| Delivery Expenses |
Not available |
Covered up to Rs.50,000/- per policy year (waiting period 1 year). |
| Initial waiting period (not applicable for Accidents) |
30 days waiting period |
30 days waiting period |
| For Specific diseases |
24 months waiting period |
12 months waiting period |
| For Pre-existing diseases |
36 months waiting period. |
12 months waiting period |
