AI Plan Summary*
Instant synthesis of official IRDAI public disclosures & policy wordings.
2-Hour Hospitalization Cover
Covers inpatient treatments requiring short stays of 2 hours or more, beyond traditional 24-hour rules.
Up to 100% HealthReturns
Earn monthly HealthReturns by staying active, reaching up to 100% of your annual policy premium.
Mental Health Inpatient Care
Inpatient medical treatments for mental illness, anxiety disorders, and depression covered up to full sum insured.
Coverage & Limits
Inpatient hospitalisation, room rent, ICU limits, and procedures.
Single Private AC Room (Zero Capping)
100% Reload Once/Year (Unrelated)
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
Licensed IMF AdvisoryHAMCHAAR IMF LLP · IRDAI License IMF09380620250815 · Zero fees charged for consultation