A comprehensive health insurance policy that comes with protection plus rewards and value added benefits to help you stay fit.
Medical expenses like room rent, ICU charges, operation theatre charges, doctor’s fees, etc. arising out of minimum 24 hours of hospitalization will be covered
Day Care Treatment
Medical expenses incurred for listed 405 day care procedures will be covered which require less than 24 hours hospitalization
Pre and Post-Hospitalization Medical Expenses
Pre & post hospitalization medical expenses upto specified number of days prior to and after discharge based on the plan opted will be covered.
There will be a 100% restoration of the Base Sum Insured once in a policy year in case the Base Sum Insured and Cumulative bonus is insufficient due to previous claims. In case of accident related claims, restoration will be applicable from first claim onwards. This restored amount can be used for all future claims not related to the same illness for which a claim has been for the same Insured Person.
Cumulative Bonus can be earned upto 50%/ 100% of the sum insured as per plan opted in case of a claim free year at 10% per year. There will be no reduction in Cumulative Bonus in case of a claim.
Annual Health Check-up
The policy includes one health check-up for each Insured Person above 18 years of age for specified tests at no additional cost. Availing the health check-up will not impact the Base Sum Insured or the Cumulative Bonus. This will be offered regardless of any claim in the Policy.
Second E-Opinion Cover
Policy will facilitate to avail of Second E-Opinion on medical condition occurring during policy period. The opinion can be availed multiple times during the policy period
Policy will cover ambulance expenses for transportation to the hospital in case of an emergency.
Organ Donor Cover
In-patient hospitalization expenses of the donor in case of an organ transplant will be covered.
Policy covers in-patient medical expenses related to Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems.
Policy covers medical expenses for treatment taken at home on the advice of the medical practitioner
The policy comes with a host of other covers which are in built or available as an optional cover (on payment of additional premium) depending on the plan chosen.
Hospital Daily cash: It will pay a specified daily cash amount from day one in case the hospitalisation extends for at least 3 consecutive days.
Convalescence Benefit: This benefit pays a lumpsum specified amount in case the hospitalisation exceeds for a minimum period of 10 consecutive days.
Home Nursing Benefit: This cover pays for the services of a qualified nurse at the residence of the insured after discharge from hospital.
Daily Cash for Accompanying an Insured Child: It will pay a specified daily cash amount from day one in case the hospitalization of an Insured child extends for at least 3 consecutive days.
Compassionate Visit: This benefit pays for the cost of return journey of Insured’s immediate relative from place of residence to hospital.
Air Ambulance Cover: It will cover expenses for ambulance transportation in an airplane or helicopter for emergency life threatening situations.
Maternity Covers (All the below 3 covers need to be taken together)
Product UIN: KOTHLIP21065V032021
Entry Age - 91 Days for Child and 18 Years for Adult
Maximum Entry Age for Adult - 65 Years
Maximum Entry Age for Child - 25 Years, after which the Child will be considered as an Adult
Exit Age/Renewal - The Policy provides for life-long renewal
Policy Period - 1/2/3 Years
Policy Type - Individual/Family Floater
Self, Spouse, natural or adopted dependent children, parents, parents-in-law and siblings, Employer-Employee. Natural/Appointed Guardian can also take insurance for minor under their guardianship.
A Family Floater policy can cover a maximum of 2 adults and 3 dependent children under a single policy.
Waiting period for Pre-existing Diseases - As per Plan opted
Pre-policy Medical check-up
The customer might have to undergo Medical tests based on the underwriting guidelines issued by the company from time to time. Medical tests will be facilitated by us and conducted at our network of diagnostic centers. The validity of such tests will be up to 30 days. The details of the medical test and the center at which such tests shall be conducted will be informed to you before the medical examination.
Now the premium you pay and co-pay option is determined based on the city where you reside.
* Tax Benefit mentioned herein is subject to the fulfilment of conditions mentioned in the Income Tax Act, 1961
Now get rewarded for taking care of your health/ fitness through regular preventative and fitness habits. You can earn reward points for the activities mentioned below. These points can be redeemed in accordance with the redemption terms and conditions.
1. Health Risk Assessment (HRA): Insured person should be above 18 Years of age.
2. Health Check-up: The Insured needs to undergo the check up as per Annual Health Check Up cover. If the results are within normal limit, additional 500/ 1500 points will be awarded.
3. Preventive Health Check-up: If the results are within normal limit, additional 250 points per test and a maximum of 1500 points per family will be awarded.
Redemption of Reward Points:
a) Each Reward Point will be equivalent to Rs. 0.25.
b) These reward points can be redeemed against any of the following options:
i) Outpatient medical expenses like consultation charges, medicine & drugs, dental expenses, wellness & preventive care.
ii) Diagnostic expenses and health check-ups through our Network providers.
iii) In-patient Treatment and Day Care Treatment claims
iv) Payment of Co-payment
v) List of Non-medical expenses
For more details on wellness/fitness activities and terms of redemption please refer to the policy wordings
Maximum 5,000 reward points per Insured Person in case of Individual Policy and a maximum of 10,000 reward points per family in case of Floater Policy in a Policy Year can be earned.
Value Added Benefits
The benefits listed below will be applicable as per the plan opted for.
Note: The activities may attract additional charges payable directly to the vendor.
Availing the said value added benefits will not impact the Sum Insured or the eligibility for Cumulative Bonus.
Critical Illness Cover: This is a Benefit cover which provides lumpsum benefit in the event of happening of 18 listed critical illnesses. Benefit is available over and above the Base sum insured.
Personal Accident Cover: This is a Benefit cover which provides lumpsum benefit in the event of Accidental Death/ Permanent Total Disablement. Benefit is available over and above the Base sum insured.
Cap on Room Rent: Policy holder can opt for a capping of room rent and will be entitled for a discount in premium. Claim will be paid based on a rateable proportion based on the actual and eligible room rent.
Note: All claims will be processed subject to Policy terms & conditions available in the Policy wordings
Reward Points Accumulation
Collect the relevant reports/ bills/ certificates after undergoing the tests or undertaking the activity.
Send us the relevant reports for the tests and/ or receipts/ bills for the specific activities which you have undergone.
To track your reward points, call us on 1800 266 4545 or email us at firstname.lastname@example.org
Reward Points Redemption
For a smooth and hassle-free claims experience, it is important to understand the exclusions/ waiting period in your policy.
30 Day Waiting Period
Expenses related to treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident. This exclusion also doesn’t apply if the Insured Person has continuous coverage for more than twelve months.
Specified disease/ procedure Waiting Period
This includes medical expenses incurred for certain specified illnesses or conditions like Hernia, Fissures/Fistula, Arthritis, Gout etc. during the first 2 consecutive years of the commencement of the policy.
Pre-existing Disease Waiting Period
Any Pre-Existing Disease will not be covered until waiting period as per Plan opted for as elapsed.
Treatment for alcoholism, drug or substance abuse; intentional self-injury; cosmetic surgery; Expenses related to any, unproven treatment; Expenses related to sterility and infertility, claim related to breach of law with criminal.
For a complete list of permanent exclusions, please refer to the policy wordings on our website.
Terms of Cancellation
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