Standard Plan | Silver Plan | Gold Plan |
---|---|---|
Hospitalisation | ||
Yes - Covers Hospitalisation expenses for period more than 24 hours | ||
Domiciliary Hospitalisation | ||
Yes - Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation | ||
Day care treatment | ||
Yes | ||
Pre-Hospitalisation Medical Expenses | ||
30 days | 60 days | 60 days |
Post-Hospitalisation Medical Expenses | ||
60 days | 90 days | 90 days |
Pre-Existing Disease | ||
After 4 continuous renewals | After 2 continuous renewals | After 2 continuous renewals |
Cost of Health Check-up | ||
Yes- Reimbursement of cost of medical check-up upto 1% of average Sum Insured for individual policies and upto 1.25% for Floater covers, once at the end of a block of four consecutive years provided there are no claims reported under the policies by any member, during the block | ||
Critical Illness | ||
No | No | Yes |
Donor Expenses | ||
No | Yes | Yes |
Value added covers | ||
Daily Hospitalisation Allowance | ||
No | No | Rs. 250 per day upto 7 days |
Nursing Allowance(Per day amount) | ||
No | Rs.250 per day for a maximum period of 5 days | Rs.300 per day for a maximum period of 5 days |
Local Road Ambulance Service (maximum of) | ||
Upto Rs. 500/- | Upto Rs. 750/- | Upto Rs. 1000/- |
Recovery Benefit | ||
No | Yes- If in case an insured person is hospitalised for more than 10 days, a lump-sum of Rs. 10,000/- will be paid | |
Expenses on accompanying person (per day amount) | ||
Rs. 200/- per day for a maximum period of 5 days | Rs. 250/- per day for a maximum period of 5 days | Rs. 300/- per day for a maximum period of 5 days |
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