Policy Features

Individual Health Guard Insurance is what you need should you find yourself hospitalised or in a medical emergency.

 

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Sum insured options ranging from Rs 1.5 lakh to Rs 50 lakh, with two plan variants to choose from
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This policy covers you, your spouse and your children. Under the Gold Plan, the policy covers in-patient hospitalisation expenses (upto Rs 20,000)
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The expenses incurred in a recognised Ayurvedic/homoeopathic hospital where the admission period is not less than 24 hours
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Medical expenses incurred during the treatment of listed daycare procedures or surgeries are covered under this policy.
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In case of continuous hospitalisation of more than 10 days, you will be eligible for a benefit payout of Rs 5,000 per year, provided that the hospitalisation claim is admissible
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Under the Gold Plan, bariatric surgery is covered under medical advice, subject to certain terms and conditions.
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In case your sum insured along with the cumulative bonus (if any) has been completely exhausted during the policy year, we will reinstate it
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The policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalisation.
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You can avail emergency ambulance services up to Rs 20,000 at the time of admission or discharge
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Expenses towards organ donor’s treatment for harvesting of the donated organ are covered under this policy
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A daily cash benefit of Rs 500 per day, for up to 10 days during each policy year
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The amount will be payable as accommodation expenses for one parent/legal guardian to stay with a minor insured under the policy, for an admissible claim
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Maternity expenses and medical expenses towards treatment of a newborn baby are covered under the policy subject to certain terms and conditions. This feature is available under the Gold Plan