Individual Policy -Self, Spouse, Dependent Children, Grandchildren, Parents, Sister, Brother, Parents In law, Grand Parents
Floater Policy -Self, Spouse, Dependent Children, for Parents, Parents In law, separate floater policy can be taken.
Proposer/ Spouse/ Dependent Parents/ Sister/ Brother/Parent In law/Grand Parents - 18 years to lifetime.
Sum Insured Options
Loading due to adverse Health Conditions
The loading would be applicable on per individual basis for the proposals with adverse health conditions given below: Hypertension, Diabetes, Obesity, Cholesterol Disorder, Cardiovascular diseases, or multiple risk factors.
|Condition||Loading on premium of the Individual|
Zone wise premiums
|Zone A||Zone B|
|Delhi / NCR, Mumbai including (Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore, Kolkata, Ahmedabad, Vadodara and Surat.||Rest of India apart from Zone A cities are classified as Zone B.|
|Details of Waiting Period||Duration|
|All treatments except Accidental injuries||30 days|
|Any types of gastric or duodenal ulcers, Surgery of varicose veins and varicose ulcers, hydrocele, etc||12 months|
|Any Pre-existing condition||24 months|
|Specific diseases like-Hernia of all types, Hysterectomy, All types of sinuses etc||24 months|
|Joint replacement surgery, Hypertrophied turbinate etc||48 months|
Note- Please refer the policy wordings for detailed policy terms and conditions