Comprehensive Health Insurance

It offers extensive coverage for a wide range of medical expenses including room rent, doctor’s fees, nursing charges, surgery costs, medical tests and other healthcare needs, ensuring you get the care you need without worrying about big hospitalisation bills.

Explore our wide range of products to select plans suited for you and your family

You can choose any doctor, hospital, or specialist from our network hospital for cashless treatment ensuring you receive the best possible care.

Our plans include coverage for regular preventive health check-ups, aiding in early detection and prevention of illnesses.

You can renew your health insurance plans throughout the lifetime, ensuring continuous coverage without age restrictions.

Choose adequate sum insured that suits your budget from 3 lakh to 5 crores

You can decide to cover your family members under shared Sum Insured (Floater) or Separate Sum Insured (Individual)

5% online discount in select plans

Depending on where you live you can avail discount. 15% for Zone B and 25% for Zone C in select plans

5% Fitness discount on new policy for Marathon runners and upto 12.5% Wellness discount for healthy habits on renewal in select plans

5% discount if you have with us any Motor, Health, Home, Cyber and Pet policy with premium of Rs.2500 or higher in select plans

You may be eligible for more discounts like Early Bird, Long Term Policy, Family as specified under plans

You are rewarded with a cumulative bonus for each claim-free year, which typically increases the sum insured without an additional premium, encouraging you to maintain good health.

Covers hospitalization expenses & Day Care procedures & surgeries with Room rent limit as specified and ICU at actuals

Coverage available as specified under the plan with option to customize as required in specified plans

Coverage available in select plans for Tele Consultation, In-clinic Doctor Consultation, Pathalogy, radiology and annual preventive health check up as per limit specified

Many comprehensive plans offer coverage for maternity-related expenses, including prenatal and postnatal care, delivery charges, and newborn care, supporting you during significant life events.

Coverage available in select plans for Medical Expenses, that are incurred on home treatment on the advice of the attending Medical Practitioner cause patient cannot be moved to hospital or hospital bed is not available

Medical expenses incurred in undergoing treatment using modern and advanced technologies or procedures

Coverage available in select plans for Medical expenses incurred for organ donor's in-patient treatment for harvesting the donated organ if insured is the receiver

Medical expenses for ayurvedic, yoga, unani, siddha and homeopathic, treatments on advice of a doctor for illness or body injury

Coverage available in select plans for expenses incurred for items such wheelchair, crutches, walker, hearing aid following illness or injury

Sum Insured exhausted will be reinstated and available fully for next claim as specified under the plan

If an unfortunate claim exhausts Sum Insured limit, the then additional Sum Insured would be available in select plans

Many more covers like Cumulative Bonus, Airlift Cover, Family Visit, Renewal premium waiver, Consumables cover etc.

Please read Policy wording for detailed terms and conditions

30 days, except for claims due to accidents

You need to wait for continuous 12 /24/36 months as specified in your plan to make a claim for pre-existing diseases such as diabetes, high blood pressure, thyroid, asthma, etc.

You need to wait for continuous 12 /24/36 months as specified in your plan to make a claim for some treatments like cataract, knee-replacement, hernia, gout, endometriosis. See Policy Wording for entire list

You need to wait for continuous 12 /24/36 months as specified in the plan to make a claim.

Primarily for diagnostics and evaluation purposes or not related to current diagnosis and treatment

Purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of hospitalization /day care

Any treatment to change appearance unless for reconstruction following an Accident, Burns or medically necessary treatment

Medical expenses incurred as a result of self-harm, as a result of intoxication, illegal actions, hazardous activities, etc.

Part of the claim will have to be borne by you if you have Deductible or Copay

Please read Policy wording for detailed exclusions

Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet and nutrition consultations as per the chosen plan

Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service

Covers cost of consumable items (e.g., gloves, syringes, bandages) used during treatment, up to specified limit.