- A Daily benefit for Accident & Sickness hospitalization. No Pre-policy check up required. Hospitalisation Cash upto 180 days in case of Accidents or Sickness Tax Benefits-Get tax benefits for premium paid on policies as per section 80D of the Income Tax Act. Tax benefits are subject to changes in tax laws. Flexibility in choosing options-5 different levels. We offer life-long renewal subject to application for renewal and the renewal premium in full has been received by the due dates and realisation of premium, unless the Insured Person or any one acting on behalf of an Insured Person has acted in an improper, dishonest or fraudulent manner or any misrepresentation or non cooperation under or in relation to this policy or the policy poses a moral hazard.
- In-hospital Indemnity For Sickness :Pays for Daily Benefit for each Day for Inpatient Hospitalisation due to Illness ,Disease or Sickness In-hospital Indemnity For Accidents : Pays for Daily Benefit for each Day for Inpatient Hospitalisation due to Injury or Accidents Accident Medical Expense Reimbursement: We will pay the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses that occurs within the Republic of India for medical services which are not due to a Pre-existing Condition up to the maximum amount and benefit period stated in the Policy Schedule for the treatment of an Injury sustained by you. 1 day deductible and 90 days waiting period for Sickness Hospital Cash Deductible of 5% of benefit amount for Accident Medical expense reimbursement Coverage will be 100% of the
- any Pre-existing Condition, any complication arising from it or suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection; or serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by the Policyholder, shall return the pro rata premium for any such Insured Period of service under the circumstances described in a Hazard; or