AI Plan Summary*
Instant synthesis of official IRDAI public disclosures & policy wordings.
Built-in Maternity Cover
Cover for normal delivery (₹15k–₹50k) and Caesarean delivery (₹25k–₹1L) based on Sum Insured with newborn day-1 protection.
Air Ambulance Cover
Up to ₹5,00,000 per policy year for emergency airplane or helicopter patient transfer.
Cumulative Bonus
Cumulative bonus of 50% for ₹5 Lakh sum insured and 100% for ₹7.5 Lakh and above for every claim-free year (up to 100%).
Coverage & Limits
Inpatient hospitalisation, room rent, ICU limits, and procedures.
Single Private AC Room (No Capping)
100% Once per year (100% Refill)
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.
10,48,290+ 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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