Health Insurance Policy - Retail

• Wide Coverage – Rs. 50,000 to Rs. 5 lakh
• No medical check-up if you don’t have any medical history: up to 45 years
• Family Floater: One plan, full family
• Flexible Plans: Metro Plan, Semi Metro Plan & Rest of India
• IT Exemption: Under Sec 80D

• Your hospital room rent, boarding expenses and doctor fees
• Operation Theatre and Intensive Care charges
• Medicines that you consume during the hospital stay
• Pre and Post hospitalisation expenses up to 30 and 60 days respectively

• Treatment taken outside India.
• Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials.
• Cosmetic or plastic Surgery
• Change-of-Gender treatments
• Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports
• Rest cure, rehabilitation and respite care .
• Treatment with alternative medicines like acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology and aromatherapy .
• Expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent. .
• Sterility and infertility .
• Unproven treatments .

Note: The above lists of inclusion & exclusions are illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings. .