Consumables or non-medical expenses can make up 10% to 20%* of your hospital bill and add up quickly during major treatments. This cover takes care of the costs of non-payable items like gloves, syringes, cotton and more, up to the full Sum Insured.

A single hospitalisation or multiple treatments in a year, like a surgery followed by post-op care or recurring illnesses, can quickly exhaust your sum insured (SI). This cover refills your entire coverage unlimited times in a year, even for the same illness or injury.

With medical costs rising every year, a one-time sum insured (SI) might not keep up with all your expenses. This cover offers 2 options to automatically boost your SI by 20% or 33.33% every year*, up to 100% of the SI, at no extra cost.

This covers emergency airlift charges within 7.5% of SI or up to ₹5 lakh, whichever is higher. For example, if your SI is ₹20 lakh and your claim amount is 1.5 lakh, we will pay 1.5 lakh (7.5% of 20 lakh). Now, if your SI is ₹3 crore and claim amount is ₹10 lakh, we will cover up to ₹5 lakh.

The cost of childbirth can be quite high due to delivery charges, post-natal care, and more. This cover helps ease the financial strain by covering maternity expenses up to ₹2 lakh*, depending on the coverage opted, so you can focus on welcoming the baby home.

This cover helps pay for your baby’s medical and vaccination expenses up to ₹1 lakh*, depending on the coverage opted, ensuring your little one gets the care they need during those crucial first months.

Medical equipment like wheelchairs and hospital beds, often needed for long-term recovery and home care, can be costly. If these are prescribed for at least 3 months, this cover pays for them up to 5%* of the sum insured (max ₹2.5 lakh*).

Items like compression stockings, corrective splints or nebulisers are important for ongoing care at home but can be expensive. This cover takes care of such costs up to 1%* of the sum insured (max ₹20,000*), making your recovery smoother and more comfortable.

This cover g​ives you 100%* of your SI amount on the same claim after the existing SI has been used up completely. For example, if your base cover is ₹10 lakh, you can get another ₹10 lakh for the same claim if it’s been used up. This cover can be used once per policy year.

Regular doctor visits, tests, dental treatments and even medicines can cost a lot over time. This cover helps manage everyday healthcare costs by covering such OPD expenses ​(up to 35% of the OPD limit opted), reducing your financial strain.

This c​over pays for doctor-recommended treatments like dialysis, chemotherapy (excluding any supporting medication) and hepatitis (with positive diagnosis with blood report), at home within your SI for up to 15 days a year, via registered providers.

If you have an existing health condition like diabetes, asthma or hypertension, you have to wait for 3 years before getting coverage for related treatments. This cover lets you reduce the default 3-year waiting period for such pre-existing illnesses to 24 or even 12 months.

Certain s​pecific illnesses like hernia, joint replacement and cataract require long-term care and often have a waiting period of ​up to 2 years. This cover lets you shorten the waiting time for such listed illnesses to 12 months, so you can access timely treatment.

Your choice of hospital room can affect not just your comfort but also the total bill. With this cover, you can upgrade your existing hospital room to a Single Private AC room or a twin-sharing room, while covering the room rent costs so you can recover without worrying about costs.

This is the total amount of medical costs you pay before your insurance coverage kicks in. We offer aggregate deductibles from ₹10,000 up to ₹1 lakh. So, if you pick ₹10,000 as your aggregate, you will pay your medical bills up to ₹10,000 before we start covering your medical costs.