Health Guard Policy

Choose from multiple plans to meet your requirements

Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore

Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims

Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans

Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan

Get flat 5% discount when you buy a policy on our website or our Caringly Yours app

Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live

Avail up to 12.5% wellness discount for healthy habits on renewal

Please read policy wording for detailed terms and conditions

Coverage for the cost of in-patient hospitalisation (including room rent type choices), all types of day care procedures, and surgeries

Pre-hospitalisation expenses (up to 60 days) and post-hospitalisation expenses (up to 90 days) are covered as per policy terms

Medical expenses for an organ donor’s in-patient treatment during organ harvesting are covered, provided the insured is the recipient of the donated organ

Coverage for ayurvedic, yoga, unani, siddha and homeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury

Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans

Exhausted sum insured exhausted or SI will be reinstated so that you can avail full coverage for your next claim in a policy year (as per policy terms) if needed

If an unfortunate claim exhausts Sum Insured limit, the then additional amount of 20% Sum Insured (up to 25 INR lacs) will be available

Sum Insured automatically increases at renewal by opted percentage if there is no claim in expiring period

Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan

Please read policy wording for detailed terms and conditions

Treatment expenses during the first 30 days except for treatment of accidental injuries

Treatment expenses for pre-existing diseases such as diabetes, asthma, thyroid and other PED, are excluded until 36 months from date of your first Health Guard Policy

Treatment expenses for specified illnesses, including hernia, gout, endometriosis, and cataract are excluded until 24 months from date of your first Health Guard Policy

Treatment expenses related to maternity are excluded until 72 months from date of your first Health Guard Policy

Medical expenses primarily for diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment

Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances

Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns

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

Part of the claim will be borne by you if you have opted for deductibles or co-pay

Please read policy wording for detailed exclusions

Covers expenses incurred for rapid ambulance transportation to the nearest hospital in an airplane or helicopter from the first incident site of illness or accident during policy period

Covers medical expenses for in-patient hospitalisation beyond the voluntary aggregate deductible limit (INR 50,000/ INR 1,00,000/ INR 2,00,000/ INR 3,00,000) as opted as per policy terms for in-patient hospitalisation treatment

Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, and diet & 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

Removes the room type restriction of "up to single private air-conditioned room" for Health Guard Gold and Platinum plans and provides coverage for actual room rent expenses without a limit

Explore more add-ons to enhance coverage