Overall Sum Insured (SI) (in Rs.) Premium Coverage 5, 7.5, 10, 15, 20, 25, 50 Lacs, 1 Cr, 3 Cr & Unlimited SI
Roll Over SI (Portability) 10 Lacs and above as per guideline
Zones Zone based – 4 zones as per sheet 2; No Zone Based Co-pay
Tenure 1 / 2 / 3 Years
Pricing Age band wise; 5 years age band; maximum of 2 Adults + 3 Children
Entry Age 18 Years to No Limit
Age Adult 18+ and Child up to 30 Years

Base Covers

Benefit Coverage Type Coverage Details
In-patient Treatment Base Up to SI
Day Care Procedures / Treatment Base Up to SI
Modern Treatments Base Up to SI
Pre-Hospitalization Medical Expenses Base 90 Days
Post-Hospitalization Medical Expenses Base 180 Days
In-patient AYUSH Hospitalization Base Up to SI
Domestic Road Ambulance Base Up to SI
Donor Expenses Base Up to SI
Domiciliary Hospitalization Base Up to SI
Guaranteed Cumulative Bonus Base 20% of SI for every claim-free year up to 100%, will not reduce on future claims
Reset Benefit Base Unlimited times for any illness
Bariatric Surgery Base Up to SI
In-patient Treatment for Surrogate Mothers Base Up to Rs. 5 Lakh
In-patient Treatment for Oocyte Donor Base Up to Rs. 5 Lakh
Wellness Program Base Up to 30% discount on renewal premium basis wellness points accrued. Ambulance assistance, health assistance, and discounts on services and products.

Optional Covers

Benefit Type Coverage Details
Infinite Care Optional Coverage up to Unlimited Sum Insured for any one claim in the lifetime of the policy.
Cover must be opted within first 2 policy years from date of joining.
Coverage ceases once a claim is made and will not be available for subsequent renewals.
Power Booster (Guaranteed Super Bonus) Optional 100% additional SI per year up to Unlimited SI, irrespective of claims
Jumpstart Add On Covers Asthma, Diabetes, Hypertension, Hyperlipidaemia, Obesity & PTCA from 31st day
Maternity Benefit
  • Maternity Expenses
  • New Born Baby Cover
  • Vaccinations for new born baby in the first year
 Optional Maternity Expenses (Annual Premium); waiting period of 2 years
  • Up to 10% of SI – Rs. 50,000 / 75,000 / 1,00,000
  • New Born Baby Cover – Twice the SI of Maternity
  • Vaccinations – 1% of SI, max up to Rs. 10,000
BeFit Add On All plans covered
Claim Protector Optional Up to SI (within Base SI)
Inflation Protector Optional Available
Domestic Air Ambulance Cover Optional Up to SI
Convalescence Benefit Optional Up to Rs. 20,000
Nursing at Home Optional Rs. 2,000 per day, maximum up to 10 days
Compassionate Visit Optional Up to Rs. 20,000
Health Check-Up Optional 0.5% of SI, max up to Rs. 5,000; listed tests on cashless basis
Critical Illness Optional Up to SI, max up to Rs. 50 Lakhs; up to 50 years of age for adults
Personal Accident Optional Up to SI, max up to Rs. 50 Lakhs; up to 65 years of age for adults only
Voluntary Co-payment Optional 10%, 20%, 30%, 40% & 50%
Dependent Accommodation Benefit Optional Rs. 1,000 per day, up to 10 days
Durable Medical Equipment Cover Optional Up to SI subject to maximum of Rs. 5 Lakh (within Base SI)
Tele Consultations Optional Unlimited
Room Modifier Optional
  1. Any room category
  2. Twin sharing room only
  3. 1% of SI for normal room and 2% of SI for ICU (for SI options up to Rs. 7.5 Lakhs)

Waiting Periods

Initial waiting period 30 days
PED waiting Period 3 years
Specific disease waiting period 2 years
Maternity waiting period 2 years
Bariatric surgery 2 years; 30 days in case Jumpstart is opted
Critical Illness Waiting Period / Survival Period 90 days / 0 days
Waiting period for Diabetes, Hypertension & Cardiac conditions unless PED 90 days