AI Plan Summary*
Instant synthesis of official IRDAI public disclosures & policy wordings.
Day-1 Chronic Illness Cover
Covers declared Diabetes, Hypertension, Asthma, High Cholesterol, Obesity, and COPD from Day 1.
Super Reload Benefit
Restores 100% of sum insured unlimited times a year for both same illness and unrelated hospitalizations.
Super Credit Bonus
Increases sum insured by 50% per year up to 100% regardless of whether you file claims or not.
Coverage & Limits
Inpatient hospitalisation, room rent, ICU limits, and procedures.
Single Private AC Room (Zero Capping)
100% Unlimited Super Reload
60 Days Pre-hospitalization / 180 Days Post-hospitalization covered at actuals
All modern surgical procedures requiring <24 hours admission covered at actuals
Road ambulance covered up to actuals; Air ambulance up to ₹5,00,000 per policy year
100% Inpatient hospitalisation covered in Ayurvedic, Yoga, Unani, Siddha, Homeopathy institutes
Covered up to full Sum Insured for harvesting organ from donor
Value Added Services
Complimentary checkups, teleconsultations, and wellness rewards.
Waiting Periods
Initial, pre-existing disease (PED), and specific illness timelines.
Additional Features
Cumulative Bonus (NCB), Consumables, and Maternity riders.
Claim Settlement Track Record
Official IRDAI public disclosures (Form NL-37) on claim settlement metrics.
2,36,490+ Claims Paid across retail health.
Average pre-authorization approval time at network hospitals.
Financial stability metric (Mandatory IRDAI statutory minimum is 1.50).
Exclusions
Standard non-payable conditions per IRDAI master circular.
Summary
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