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Eligibility :

All individuals in the age group of 5 years to 65 years

Eligibility for Insurance Cover :

Plan A : Primary account holders, spouse + 2 dependant children
Plan B : Primary account holders, spouse + 2 dependant children + Parents 
Dependant children means: male child up to 21 years; female child up to 25 years or marriage/employment, whichever is earlier

Age Limit :

  • 5 years to 65 years without medical examination
  • Children between 3 months and 5 years can be covered provided one or both parents are covered concurrently
  • Lifetime renewal can be done provided policy is continuous without any break
  • Grace period of 30 days from the date of expiry of policy is available for renewal of policy

Sum Insured :

  • Minimum Rs 50,000/- and in multiples of Rs 50,000/-; Maximum Rs 5 Lacs
  • Sum insured can be increased by two slabs only on every renewal of policy
  • Sum Insured is on Family Floater Basis

What is Covered :

  • Hospitalisation expensed for medical/surgical treatment arising out of any disease/illness/accident including pre-hospitalisation related expenses up to 30 days and post hospitalization related expenses up to 60 days
  • Personal Accident Death Cover : Primary account holder: 100% of mediclaim sum insured, spouse: 50%; Child above 12 years : 20%; child up to 12 years: 10%. Personal Accident cover is not available for parents

Policy Period :

  • 12 months
  • Risk to commence from date of debit of premium to primary account holder’s account

Nomination Facility :


Income Tax Rebate :

Available under Section 80D of Income Tax Act

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