Medical expenses like room rent, ICU charges, operation theatre charges, doctor’s fees, etc. arising out of minimum 24 hours of hospitalization will be covered
Day Care Treatment
Medical expenses incurred for listed 405 day care procedures will be covered which require less than 24 hours hospitalization
Pre and Post-Hospitalization Medical Expenses
Pre & post hospitalization medical expenses upto specified number of days prior to and after discharge based on the plan opted will be covered.
There will be a 100% restoration of the Base Sum Insured once in a policy year in case the Base Sum Insured and Cumulative bonus is insufficient due to previous claims. In case of accident related claims, restoration will be applicable from first claim onwards. This restored amount can be used for all future claims not related to the same illness for which a claim has been for the same Insured Person.
Cumulative Bonus can be earned upto 50%/ 100% of the sum insured as per plan opted in case of a claim free year at 10% per year. There will be no reduction in Cumulative Bonus in case of a claim.
Annual Health Check-up
The policy includes one health check-up for each Insured Person above 18 years of age for specified tests at no additional cost. Availing the health check-up will not impact the Base Sum Insured or the Cumulative Bonus. This will be offered regardless of any claim in the Policy.
Second E-Opinion Cover
Policy will facilitate to avail of Second E-Opinion on medical condition occurring during policy period. The opinion can be availed multiple times during the policy period
Policy will cover ambulance expenses for transportation to the hospital in case of an emergency.
Organ Donor Cover
In-patient hospitalization expenses of the donor in case of an organ transplant will be covered.
Policy covers in-patient medical expenses related to Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems.
Policy covers medical expenses for treatment taken at home on the advice of the medical practitioner
The policy comes with a host of other covers which are in built or available as an optional cover (on payment of additional premium) depending on the plan chosen.
Hospital Daily cash: It will pay a specified daily cash amount from day one in case the hospitalisation extends for at least 3 consecutive days.
Convalescence Benefit: This benefit pays a lumpsum specified amount in case the hospitalisation exceeds for a minimum period of 10 consecutive days.
Home Nursing Benefit: This cover pays for the services of a qualified nurse at the residence of the insured after discharge from hospital.
Daily Cash for Accompanying an Insured Child: It will pay a specified daily cash amount from day one in case the hospitalization of an Insured child extends for at least 3 consecutive days.
Compassionate Visit: This benefit pays for the cost of return journey of Insured’s immediate relative from place of residence to hospital.
Air Ambulance Cover: It will cover expenses for ambulance transportation in an airplane or helicopter for emergency life threatening situations.
Maternity Covers (All the below 3 covers need to be taken together)
- Maternity Benefit: It covers medical expenses for the delivery of insured’s child or lawful termination of pregnancy. Cover is available for 2 deliveries across all policy years. Pre and post-natal expenses are covered.
- New Born Baby Cover: It covers medical expenses incurred on the insured’s new born baby.
- Vaccination Expenses: It will cover the vaccination expenses incurred on the new born baby. The expenses will be covered from the birth till the baby completes 2 years
Product UIN: KOTHLIP23109V042223