AI Plan Summary*
Instant synthesis of official IRDAI public disclosures & policy wordings.
Zero Pre-Medical Screening
Get insured without mandatory hospital medical check-ups or proposal rejections for Plan B.
Dialysis Support Cover
Covers regular dialysis expenses up to ₹1,500 per sitting for up to 24 continuous months.
Cardiac & Renal Complications
Covers diabetic heart attacks, strokes, neuropathy, and retinopathy after just 12 months.
Coverage & Limits
Inpatient hospitalisation, room rent, ICU limits, and procedures.
Single Private Room (Zero 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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