PRESENTS
T H E F U T U R E O F H E A L T H I N S U R A N C E. 

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PRESENTS
T H E  F U T U R E  O F  H E A L T H  I N S U R A N C E

This plan rewards you for
staying healthy with premium payback
and loyalty beneﬁts.. 

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This plan rewards you for
staying healthy with premium payback
and loyalty beneﬁts.

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Note : This is is an optional benefit that is pre-added in the sales proposition. Available on payment of additional premium.
Refund of ﬁrst year’s base premium after
every 5 claim-free years
Premium Payback. 

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Note : This is is an optional benefit that is pre-added in the sales proposition. Available on payment of additional premium.
Refund of ﬁrst year’s base premium after
every 5 claim-free years
Premium Payback

Note : This is an optional benefit (Cumulative Bonus Booster) available on payment of additional premium.
Enjoy unlimited 100% cumulative bonus
of your Sum Insured every year,
even if you claim.
Infinity Bonus. 

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Note : This is an optional benefit (Cumulative Bonus Booster) available on payment of additional premium.
Enjoy unlimited 100% cumulative bonus
of your Sum Insured every year,
even if you claim.
Infinity Bonus

Note : Provided no hospitalization related claim has been made in 7 preceding policy years. Waiting Period shall be waived off for this additional Sum Insured. If there is an increase in Sum Insured, the original Sum Insured at the Policy's inception will be considered.
Double your Sum Insured after 7 claim-free
years with no waiting period.
Loyalty Boost. 

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Note : Provided no hospitalization related claim has been made in 7 preceding policy years. Waiting Period shall be waived off for this additional Sum Insured. If there is an increase in Sum Insured,
             the original Sum Insured at the Policy's inception will be considered.
Double your Sum Insured after 7 claim-free
years with no waiting period.
Loyalty Boost

Note : This is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.
Option to choose upto 5 years policy tenure
Freedom from
Renewal Worries. 

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Note : This is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.
Option to choose upto 5 years policy 
tenure
Freedom from
Renewal Worries

Note : This is an optional benefit that is pre-added in the sales proposition. Available on payment of additional premium with multi tenure policies and only one claim is payable in the entire policy term.
Combine annual Sum Insured of multi-year
policy for a single claim.
Tenure Multiplier. 

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Note : This is an optional benefit that is pre-added in the sales proposition. Available on payment of additional
 
premium with multi tenure policies and only one claim is payable in the entire policy term.
Combine annual Sum Insured of multi-year
policy for a single claim.
Tenure Multiplier

Note : This is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.
Renew your policy early and save more!
Enjoy a 5% discount when you renew
30 days before your due date, or 2.5%
within the 30 days.
EARLY RENEWAL
DISCOUNT. 

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Note : This is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.
Renew your policy early and save more!
Enjoy a 5% discount when you renew
30 days before your due date, or 2.5%
within the 30 days.
EARLY RENEWAL
DISCOUNT

Note : This is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.
Your policy will remain active, ensuring continuous protection during
the grace period.
Grace Period
Coverage. 

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Note : This is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.
Your policy will remain active, ensuring 
continuous protection during
the grace period.
Grace Period
Coverage

Note : Wellness Benefit is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.
on renewal premiums through healthy days
program on Care Health - Customer App
under wellness beneﬁt
Wellness Discount
upto 30%. 

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Note : Wellness Benefit is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.
on renewal premiums through healthy days
program on Care Health - Customer App
under wellness beneﬁt
Wellness Discount
upto 30%

Note : Available discounts on premium are 30% in first year, 20% in second Year and 10% in 3rd Year.
on premium for new policy buyers
Discounts on premium are available only for ﬁrst 3 years - 30% discount
in ﬁrst year, 20% in second year and 10% in third year.
Welcome Discount
upto 30%. 

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Note : Available discounts on premium are 30% in first year, 20% in second Year and 10% in 3rd Year.
on premium for new policy buyers
Discounts on premium are available only for ﬁrst 3 years - 30% discount
in ﬁrst year, 20% in second year and 10% in third year.
Welcome Discount
upto 30%

SI Options (in `)
In-Patient Care/ Day Care Treatment
Room Rent
ICU
Pre-Hospitalization Medical Expenses Post-Hospitalization Medical Expenses
AYUSH Treatment
Domiciliary Hospitalization
Organ Donor Cover
Ambulance Cover
Cumulative Bonus Unlimited Automatic Recharge
Loyalty Boost
MediVoucher
Premium Payback*
Wellness Discount*
New Born – Wait Period Beneﬁt
Unlimited E-Consultations
Health Services
5L \7L \10L \15L \20L\25L\50L\1Cr
Up to SI
All Category Rooms Allowed
No Limit
Up to SI, upto 60 days prior to hospitalization Up to SI, upto 90 days after discharge Up to SI
Up to SI Up to SI Up to SI, Any mode of transport such as Road Ambulance/ Air Ambulance etc.
50% of base SI per year irrespective of claim, max up to 100%
Available for unlimited times for unrelated or same illness.
Double Sum Inured if no claim has been made in 7 preceding Policy Years. Waiting Period shall be waived 2 pharmacy vouchers of Rs. 250 each per Policy shall be provided on 1st renewal with the Company
In case no Claim is made for the preceding 5 consecutive Policy Years, then 1st Policy Year premium shall be
refunded in every block of 5 years
Upto 30% discount on Renewal Premium with healthy days program on Care Health - Customer App
Wait Period as per current policy will be applicable to the new born if added within 90 days of birth.
Available for Consultations with General Physicians
Discount Connect – Discounts on services such as consultations, diagnostics, etc at our network.
PLAN DETAILS. 

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SI Options (in `)
In-Patient Care/ Day Care Treatment
Room Rent
ICU
Pre-Hospitalization Medical Expenses 
Post-Hospitalization Medical Expenses
AYUSH Treatment
Domiciliary Hospitalization
Organ Donor Cover
Ambulance Cover
Cumulative Bonus  
Unlimited Automatic Recharge
Loyalty Boost
MediVoucher
Premium Payback*
Wellness Discount*
New Born – Wait Period Beneﬁt
Unlimited E-Consultations
Health Services
5L \7L \10L \15L \20L\25L\50L\1Cr
Up to SI
All Category Rooms Allowed
No Limit
Up to SI, upto 60 days prior to hospitalization  
Up to SI, upto 90 days after discharge 
Up to SI
Up to SI 
Up to SI  
Up to SI, Any mode of transport such as Road Ambulance/ Air Ambulance etc.
50% of base SI per year irrespective of claim, max up to 100%
Available for unlimited times for unrelated or same illness.
Double Sum Inured if no claim has been made in 7 preceding Policy Years. Waiting Period shall be waived 
2 pharmacy vouchers of Rs. 250 each per Policy shall be provided on 1st renewal with the Company
In case no Claim is made for the preceding 5 consecutive Policy Years, then 1st Policy Year premium shall be
refunded in every block of 5 years
Upto 30% discount on Renewal Premium with healthy days program on Care Health - Customer App
Wait Period as per current policy will be applicable to the new born if added within 90 days of birth.
Available for Consultations with General Physicians
Discount Connect – Discounts on services such as consultations, diagnostics,  etc at our network.
PLAN DETAILS

Entry Age – Minimum
Entry Age – Maximum Exit Age
Cover Type
Tenure Options
Pricing
Relationship Allowed
Initial Waiting Period Named Ailment Waiting Period Pre-Existing Diseases Waiting Period
Grace period coverage*
Adult : 18 years; Child : 5 years
Adult: No Upper Age Limit; Child: 24 Years Adult: Lifelong; Child: 25 Years
Individual: max up to 6 persons; Floater: max up to 2A2C
1/2/3 /4/5 Years
Zone 1 - Delhi NCR, Surat, Mathura, Aligarh
Zone 1A - Telangana, Mumbai (MMR), Ahmedabad, Vadodra, Nashik
Zone 2 - Pune, Indore, Bengaluru Urban, Rest of Gujarat
Zone 3 - Rest of India Note - Cities above means adjoining cities also
Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, Grand-Father, Grand-Mother and as per insurable interest
30 Days for all Hospitalization except Accidental Hospitalization
24 months
36 months
Your policy will remain active, ensuring continuous protection during the grace period
ELIGIBILITY
CRITERIA
*This is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.. 

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Entry Age – Minimum
Entry Age – Maximum 
Exit Age
Cover Type
Tenure Options
Pricing
Relationship Allowed
Initial Waiting Period 
Named Ailment Waiting Period 
Pre-Existing Diseases Waiting Period
Grace period coverage*
Adult : 18 years; Child : 5 years
Adult: No Upper Age Limit; Child: 24 Years 
Adult: Lifelong; Child: 25 Years
Individual: max up to 6 persons; Floater: max up to 2A2C
1/2/3 /4/5 Years
Zone 1 
- 
Delhi NCR, Surat, Mathura, Aligarh
Zone 1A 
-  
Telangana, Mumbai (MMR), Ahmedabad, Vadodra, Nashik
Zone 2  
- 
Pune, Indore,  Bengaluru Urban, Rest of Gujarat
Zone 3 
- 
Rest of India
 
 
Note - Cities  above  means adjoining cities also
Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in law, 
Grand-Father, Grand-Mother and as per insurable interest
30 Days for all Hospitalization except Accidental Hospitalization
24 months
36 months
Your policy will remain active, ensuring continuous protection during the grace period
ELIGIBILITY
CRITERIA
*This is an optional benefit and pre-added in the sales preposition. Available on payment of additional premium.

OPTIONAL BENEFIT
ANNUAL HEALTH CHECK-UP
Once in a year annual health check-up for every insured through mobile application
INSTANT COVER
No ped wait period (for Diabetes/ Hypertension/ Hyperlipidaemia/ Asthma/ Obesity/ Hypothyroidism/ Coronary Artery disease (ptca prior 1 year)) CLAIM SHIELD
List of items as per annexure I (list I, II, III and IV) that are non-payable shall be covered
Infinity Bonus
Additional 100% every Renewal; Max No Limit
PED WAIT PERIOD MODIFICATION
Option to reduce PED wait period
to 1 Year or 2 Year
OPD COVER
4 GP Physical consultation per insured
4 Specialist Consultation per insured per year
Max `500 per consultation. 

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OPTIONAL BENEFIT
ANNUAL HEALTH CHECK-UP
Once in a year annual health check-up for every 
insured through mobile application
INSTANT COVER
No ped wait period (for Diabetes/ 
Hypertension/ Hyperlipidaemia/ Asthma/ 
Obesity/ Hypothyroidism/ Coronary Artery 
disease (ptca prior 1 year)) 
CLAIM SHIELD
List of items as per annexure I (list I, II, III and 
IV) that are non-payable shall be covered
Infinity Bonus
Additional 100% every Renewal; Max No Limit
PED WAIT PERIOD MODIFICATION
Option to reduce PED wait period
to 1 Year or 2 Year
OPD COVER
4 GP Physical consultation per insured
4 Specialist Consultation per insured  
    per year
Max `500 per consultation

Ultimate Care