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A health insurance policy for your family with flexible plans to suit your needs.
key attractions
Cover for your whole family
Covers your family and extended family (Parents/Siblings/Grand Parents/Grand Children/ Daughter-in-law / Son-in-law)
Double your cover
After 4 claim-free years, you can choose to double the Sum Insured
No Medical Test
Upto 45 years of age with clean medical history medical tests are not required
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Maximum Age: 65 years
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Sum insured:
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Plan A: Rs.3 lakhs / Rs.6 lakhs/ Rs.9 lakhs
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Plan B: Rs.12 lakhs/Rs.15 lakhs /Rs. 18 lakhs
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- Policy Tenure : 1 year or 2 years
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Premium: Your health insurance premium is calculated on following parameters:
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Cover opted (Individual)
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Sum Insured Selected
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Age of senior most member
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Tax Benefit:
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*Tax deductions are subject to provisions of Sec.80D of the Income Tax Act, 1961 and applicable amendments and are subject to change in the tax laws
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Suggest to consult your tax advisor for more information on this benefit
Seamless Claim Process:
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Step 1: Inform Insurance Company’s health claims team, RCARE, of hospital admission using the helpline number 1800 3009 given on your health card
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Step 2: Submit the required documents to RCARE
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Step 3:
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Network Hospital - RCARE will arrange for Cashless facility
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Non-Network Hospital - For Re-imbursement claims please follow the process as mentioned in policy wordings
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Coverage |
Individual Plan |
Family Floater Plan |
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Who can buy this policy |
This policy provides coverage to an individual. |
It covers several members of a single family under the same plan by paying a single premium in a year. |
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What it offers |
This policy offers benefits like cashless hospitalization, reimbursement, pre and post hospitalization expenses, and numerous other add-on features. |
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How it works |
In case of an illness, the entire sum insured covers only one individual. |
In case of multiple illnesses, the sum insured gets distributed among the members. |
Call Option:
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If you do not make any claim on your policy for 4 consecutive years, then by end of the 4th year, your cumulative bonus will be equal to your base sum insured.
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In the 5th year, you can choose the “Call Option” to double your sum insured by adding this earned cumulative bonus. Thereafter, you can accumulate the cumulative bonus again.
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Intentional self-injury / injury under influence of alcohol or drugs / criminal act
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Treatment received outside India / Stem Cells surgery
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Diseases such as HIV or AIDS or STD
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Diseases existing from the time of birth (Congenital diseases)
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Maternity, fertility excluding Ectopic pregnancy
*The list is indicative. Please read the prospectus / policy wordings for complete list
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