Plan Types

Individual Health Insurance:
Sum insured up to ₹3 crore, lifelong renewability, worldwide coverage, pre/post-hospitalisation, daycare procedures, AYUSH treatments, diagnostics, and maternity (in select plans).

Family Floater Plan:
Single policy covering up to 7 family members with family discounts up to 32%; lifelong renewals available.

Super Top-Up:
Acts as additional cover once the base sum insured is exhausted; cost-effective compared to purchasing a fresh policy.

Critical Illness Plan:
Coverage for ~100 major illnesses, with added benefits like no-claim bonus and lifelong renewability.

Senior Citizen Plan:
Specially designed for elderly customers; sum insured up to ₹25 lakh, preventive health check-ups, and home healthcare benefits.

Key Features

• High Claim Settlement Ratio: ~96.4% (FY2020-21)

• Wide Hospital Network: 12,000+ hospitals across India with easy online claim tracking

• Policy Discounts: 5–10% discounts on long-term policies and up to 32% for family floaters

• Comprehensive Add-ons: Automatic restoration of sum insured, cumulative bonus, OPD cover, maternity benefits, consumables cover

Eligibility & Renewal

• Entry Age: From 91 days to 65 years (varies by plan)

• Renewal: Lifelong renewability for most plans

• Pre-Existing Diseases: Waiting period of 2–4 years depending on plan and sum insured

Agent Guidance

• Emphasize benefits like global coverage, high sum insured, and restoration features.

• Clarify waiting periods for pre-existing conditions depending on the selected plan.

• Highlight policy discounts and the smooth claim process as key advantages for customers.