FEATURES OF THE POLICY

Salient Features Of The Policy

The policy covers reimbursement of Hospitalization / Domiciliary Hospitalization expenses for illness, diseases or injury sustained. The company s liability in respect of all claims during the period of insurance shall not exceed the sum insured per person mentioned in the schedule. Expenses on hospitalization for minimum period of 24 hrs are admissible. The cover is restricted to treatments taken in India only.

Age Limit

This insurance is available to persons between the age of 5 years and 75 years. Children between the age of 3 months and 5 years can be covered provided one or both parents are covered concurrently.

Family Discount

A discount of 10% in the total premium will be allowed comprising the insured and any one or more of the following:Spouse Dependant Children (legitimate or legally adopted children) Dependant parents

Cumulative Bonus

The sum insured under the policy shall be progressively increased by 5% in respect of each claim free year of insurance, subject to maximum accumulation of 10 claim free years of insurance. In case of a claim under the policy in respect of insured person who has earned cumulative bonus the increased percentage will be reduced by 10% of sum insured at the next renewal. However, basic sum insured will be maintained and will not be reduced.

Cost of Health Checkup

In addition to cumulative bonus, the insured shall be entitled for reimbursement of cost of medical check up once at the end of block of every four underwriting years provided there are no claims reported during the block. The cost so reimbursed shall not exceed the amount equal to 1% of the average sum insured during the block of four claim free underwriting years.