Health Insurance

Schedule of Benefits - Individual & Family Floater
Basic Sum Insured per Policy Year	Rs. 200000; Rs. 300000; Rs. 400000
In-patient Treatment	Covers hospitalisation expenses due to sickness or accident upto the Policy Sum Insured
Pre-hospitalization	Pays for medical expenses incurred 60 days immediately before hospitalisation
Post-hospitalization	Pays for medical expenses incurred 90 days immediately after the discharge post hospitalisation
Day Care Procedures	Pays for 141 listed day care procedures which do not require 24 hours hospitalisation due to technological advancement
Domiciliary Treatment	Pays for expenses incurred for medical treatment taken at home, on the advice of a physician
Organ Donor	Pays for medical expenses for harvesting an organ donated
Emergency Ambulance (Limit per hospitalisation)	Pays upto max. Rs. 2,000 for utilising an ambulance in an emergency
Ayurvedic / Homeopathic	Pays for medical expenses for inpatient treatment under Ayurveda, Unani, Siddha or Homeopathy. Pays upto 20% of Sum Insured; Maximum Rs. 20,000 (for Policy Sum Insured 2L & 3L) and Rs. 25,000 (for policy Sum Insured Rs. 4L)
Cumulative Bonus	5% increase in Sum Insured for every claim free year; upto Maximum 50%
Health checkup	Pays Upto 1% of Sum Insured; Max Rs. 5000