Plan Types 

• Individual Health Insurance: Sum insured up to ₹3 crore, lifelong renewability, global cover, pre/post hospitalisation, daycare, AYUSH, diagnostics, maternity (in select plans)

• Family Floater Plan: Covers up to 7 members under one policy; family discounts up to 32%; lifetime renewals

• Super Top-Up: Additional cover if base policy is exhausted, more affordable than buying full cover anew

• Critical Illness Plan: Covers ~100 severe illnesses, includes benefits like no claim bonus, lifelong renewability

• Senior Citizen Plan: Up to ₹25 lakh sum insured, preventive health check-ups, home healthcare features

Key Features

• Claim settlement ratio approximately 96.4% (FY2020‑21) 

• Over 12,000-network hospitals across India; online claim tracking

• Discounts for long-term policies (5–10%) and family floater plans 

• Additional covers: automatic restoration of sum insured, cumulative bonus, OPD, maternity, consumables

Eligibility & Renewal

• Entry age: 91 days to 65 years (limits vary by plan); renewable lifelong for many plans

• Pre‑existing disease waiting period: typically 2–4 years depending on plan and sum insured

Agent Guidance
Advise on benefits like global cover, restoration, and high sum insured options. Clarify exact waiting‑period terms per plan; emphasize seamless process and policy discounts.