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Eligibility
Minimum Age at Entry (Adult) - 18 Years
Maximum Age at Entry (Adult) - 65 Years
(Children between 91 days and 25 years can be insured provided either parent is getting insured under the Policy.)
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Features and Benefits
For Topup plan Comprehensive covers with sum insured up to 20 lakhs –Multiple SI and Deductible options to choose from.(For Super topup plan Sum Insured isupto 1 Cr)
No Pre Policy Health Check-Up for proposals – for proposal with nil previous / present adverse history.
Single Policy option for Individual and family members with additional discount - Avail discount on 2 or more family members cover under the same policy.
Multi Tenure Policy of 2 or 3 Years - Avail Discounts for tenures of 2 or 3 years .
Cover for Pre-existing Disease from first Renewal with Policy tenure of 3 years .
Preventive Care benefits – Avail benefits for Preventive Health measures like First Medical Opinion, Live Health talk, Electronic Medical records management and health newsletter without any extra cost.
Cashless Claims benefit – Avail Cashless claim benefit from over 3600 network hospitals.
Tax Benefit – Avail tax benefits under section 80D of Income Tax Act 1961 on premium paid for Health Connect Supra.
Loyalty Perk- Auto increase in Sum Insured by 10% on the Sum Insured for every claim free Policy year up to a maximum of 100% of the Sum Insured if the Policy is renewed without any break.(Only available on Super topup plan)
Option to avail -Reload of Sum Insured, AYUSH Treatment. ,World-wide Coverage, . Wellness & Assistance Program as per your need.(Additonal to above options World-wide coverage can be opted on Super Topup plan)
Available on Individual and Family Floater Basis
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Covers
In-patient Treatment : Covers minimum 24 hours hospitalization expenses due to an illness and/or accident. Pays for medical expenses incurred for room rent, boarding expenses, nursing, ICU, medical practitioner, medicines and other related expenses.
Pre and Post Hospitalization :Covers medical expenses incurred for the number of days immediately before and after respectively, the hospitalization as specified under the Benefit Schedule towards consultations, tests & medications.
Day care Procedures :Covers the Medical Expenses for 405 day care procedures as available in this document and Company’s web-site which do not require 24 hours Hospitalisation due to technological advancement in medical science.
Preventive Care: Avail benefits such as First Medical opinion, Live Health Talk, Electronic Medical Record Management, Fortnightly newsletters without any extra cost.
Loyalty Perk: The Policy provides for auto increase in Sum Insured by 10% on the Sum Insured for every claim free Policy year up to a maximum of 100% of the Sum Insured if the Policy is renewed without any break.(Only available on Super Topup Plan)
Reload of Sum Insured: The policy allows Reload of Sum insured once in a policy year equivalent to the original Sum Insured when the original Sum Insured is fully exhausted.
AYUSH Treatment : The policy covers medical treatment for Ayurveda, Unani, Sidha and Homeopathy in a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health.
Wellness & Assistance Program: When you are more than 150 kilometers away from your residential address, within Indian Territory, you will be covered with following emergency services provided by us/our appointed Service provider.
►Medical Consultation, Evaluation and Referral: 24/7 telephone access to the Operations centre whocan evaluate, troubleshoot and make immediate referrals to qualified doctors and/or hospitals.
►Medical Monitoring & Case Management: Our Service provider will monitor Insured’s condition and will (i) stay in regular communication with the attending physician and/or hospital and (ii) relay necessary and legally permissible information to family members.
►Compassionate Visit: In case of hospitalization for more than seven (7) consecutive days when you are traveling alone, Service Provider will arrange for a family member or personal friend to travel to visit you by providing an appropriate means of transportation as determined by Service Provider.
►Emergency Medical Evacuation: In case of an event where there is non-availability of adequate medical facility the Insured, as determined by the Service Provider’s consulting physician and the Insured member’s attending physician, will arrange transportation under appropriate medical supervision, by an appropriate mode of transport to the nearest medical facility capable of providing the required care.
World-wide Coverage : The Policy covers you even when you are overseas for emergency Medical Expenses incurred outside India, in respect of the Insured Person during the Policy Year. ( Only Available on Super Topup plan)
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Renewal Policies
Lifelong Policy Renewal without any exit Age.
Grace Period :Grace Period of 30 days for renewing the Policy is provided under this Policy .
Sum Insured Enhancement :Sum insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy and approval by the Company .
Change in Plan/Deductible :Change in Plan or deductible can be done at Renewal subject to acceptance by the Company.
Loyalty Perk :Auto increase in Sum Insured by 10% on Sum insured for every claim free year up to maximum of 100% if the Policy is renewed without any break. ( Only Available on Super Topup Plan)
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Portability Benefits
If You are insured continuously and without interruption under any other Indian General Insurance and/ or Standalone Health Insurer’s individual health insurance policy and you want to shift to us on renewal, the Company will consider such requests on proper evaluation allowed in terms of the Portability Guidelines issued by IRDA.
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Waiting Periods
30 days Waiting Period Exclusion :A waiting period of 30 days from the commencement date of the first Policy will apply to all disease/ illness contracted other than accidental bodily injury requiring hospitalization.
Two Year Waiting Period Exclusion :A waiting period of 24 months shall apply to the treatment, of the following, whether medical or surgical for all Medical Expenses along with their complications on treatment towards:
Cataract, Benign Prostatic Hypertrophy, Hernia, Hydrocele, Fistula in anus, piles, Sinusitis and related disorders, Fissure, Gastric and Duodenal ulcers, gout and rheumatism; internal tumors, cysts, nodules, polyps including breast lumps (each of any kind unless malignant); Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus, polycystic ovarian diseases; skin tumors unless malignant, benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty); dilatation and curettage (D&C); & Congenital Internal Diseases.
Calculus diseases of Gall bladder and Urogenital system, Joint Replacement due to Degenerative condition, Surgery for prolapsed inter vertebral disc unless arising from accident, Age related Osteoarthritis and Osteoporosis, Spondylosis / Spondylitis, Surgery of varicose veins and varicose ulcers.
Sum Insured Enhancement :Sum insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy and approval by the Company .
Pre- Existing Condition Exclusion :Pre-existing Conditions and any complications arising from the same will not be covered until 36 months of continuous coverage have elapsed, since inception of your first Policy with Us.
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Policy Discounts( For both Topup and Super topup)
Family Discount :Family discount of 10% if 2 or more family members are covered under same Policy on individual Sum Inured basis.
For each child :Flat discount of 15% is proposed.
For addition of 1 adult, the discount will be:
| Age Bands/Sum Insured | Deductible + Sum Insured |
| Up to 8 Lacs | >8 &<= 15Lacs | >15 Lacs |
| 91 days - 40 years | 25% | 20% | 15% |
| 41 years - 50 years | 30% | 25% | 20% |
| 51 years - 60 years | 35% | 30% | 25% |
| 61 years - 65 years | 35% | 35% | 25% |
| Above 65 years | 35% | 35% | 25% |
The family floater is only available for immediate Family i.e. spouse and 3 kids under a Single Sum Insured floating on all members.
The maximum discount that can be availed under family floater is 40%.
• Long term Policy Discount: An additional discount of 7.5% is offered on premium if you choose a 2 year policy and 10% discount if selected 3 year policy tenure and pay the applicable premium in advance as single premium.
• Loyalty Discount: 5% discount if you have an ongoing retail health insurance policy issued by Us.
• Employee Discount: 10% discount if you are an employee of the Company.
• Direct Policy Purchase Discount: 10% discount will be given if you are purchasing this Policy through Our Website / direct channels.
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For Brochure and Benefit Schedule
►Click here to view the Top-up brochure.
►Click here to view the Super Top-up brochure.
►Click here to view the Benefit Schedule.This will help you for selecting your Plan.