Health Ensure:

Expenses Covered:

• In-patient Hospitalisation Treatment
• Pre-Hospitalisation
• Post-Hospitalisation
• Road Ambulance
• Day Care Procedures
• Organ Donor Expenses
• Preventive Health Check Up
• Ayurvedic / Homeopathic Hospitalisation Expenses

Members Covered:

Individual Policy -Self, Spouse, Dependent Children, Grandchildren, Parents, Sister, Brother, Parents In law, Grand Parents

Floater Policy -Self, Spouse, Dependent Children, for Parents, Parents In law, a separate floater policy can be taken.

Age Criteria:

Proposer/ Spouse/ Dependent Parents/ Sister/ Brother/Parent In law/Grand Parents - 18 years to lifetime.

Sum Insured Options:

Individual Policy
50000	75000	100000	150000	200000	300000	400000	500000	1000000

Floater Policy
200000	300000	400000	500000	1000000

Discounts:

Long-Term Policy Discount

• 4% discount is applicable if the policy is opted for 2 years
• 8% discount is applicable if the policy is opted for 3 years

Loading due to adverse Health Conditions:

The loading would be applicable on per individual basis for the proposals with adverse health conditions given below: Hypertension, Diabetes, Obesity, Cholesterol Disorder, Cardiovascular diseases, or multiple risk factors.

Condition	Loading on premium of the Individual
Diabetes	5%
Hypertension	5%
Cholesterol Disorder	5%
Obesity	5%
Cardiovascular diseases	5%

Zone wise premiums:

Zone A	Zone B
Delhi / NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore, Kolkata, Ahmedabad, Vadodara, and Surat.	Rest of India apart from Zone A cities are classified as Zone B.

Waiting Period:

Details of Waiting Period	Duration
All treatments except for Accidental injuries	30 days
Any types of gastric or duodenal ulcers, Surgery of varicose veins and varicose ulcers, hydrocele, etc	12 months
Any Pre-existing condition	24 months
Specific diseases like-Hernia of all types, Hysterectomy, All types of sinuses etc	24 months
Joint replacement surgery, Hypertrophied turbinate etc	48 months