AI Plan Summary*
Instant synthesis of official IRDAI public disclosures & policy wordings.
4X Total Coverage
Combines 2X Day-1 Secure benefit, 100% 2-year Plus bonus, and 100% Restore benefit into 4X total protection.
Protect Benefit
Covers all listed non-medical expenses and consumables like gloves, masks, PPE kits, and syringes at actuals.
Any Room Category
No restriction on daily room rent tariff. Choose any room tier from Single Private AC to Luxury Suite.
Coverage & Limits
Inpatient hospitalisation, room rent, ICU limits, and procedures.
Any Category (Zero Capping)
100% Automatic Restore (For Any Illness)
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.
5,24,670+ 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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