The Policy covers individuals aged between 5 and 75 years.( However, children aged between 3 months and 5 years can be covered if one or both parents are covered concurrently).

Exemption under section 80 (D) of the Income Tax Act, 1961 is presently available for premium paid by cheque.

The Policy offers the feature of Third Party Administrator services.

The Policy covers illness / disease or accidental injury leading to expenses of various types referred to above.

Hospitalization expenses and domiciliary hospitalisation expenses referred to above shall be subject to a maximum of the sum insured at inception of the policy.

The Insured is entitled to reimbursement of the cost of medical check-up once at the end of a block of every four underwriting years provided there were no claims reported during the block. The cost so reimbursable shall not exceed an amount equal to 1% of the average sum insured during the block of four underwriting years.

The sum insured under the policy shall be progressively increased by 5% in respect of each claim free year of insurance subject to a maximum accumulation of 10 claim free years of insurance. In the event of a claim under the policy in respect of an Insured Person who has earned any cumulative bonus, the increased sum insured will be reduced by 10 % at the time of renewal. However, the basic sum insured will be maintained at all times.