Important Points:

• Family Definition: Self+ Spouse+ 2 children + Parents or Parents-in-Law
• Sum insured:  Self, spouse & two children:  Floater cover of INR 500,000/-
• Sum Insured: Parents / Parents in laws covered separately for a Floater cover of INR 300,000/-
• Premium for Parents / In-Laws, 3rd and 4th child will be borne by the employee.
• Only 2 dependent Parents / In-Laws can be enrolled. The cross-combination of Parents and In Laws is not allowed in the policy.
• If you are enrolling your Parents / In-Laws for the first time, they cannot be changed or deleted for the next 3 years.
• Room Rent restriction- Allowed up to single standard AC room

       (In case insured opted the higher category  room cost of incremental  charges on the entire bill will be borne by employee)

• ICU / ICCU is covered as per actuals
• Maternity Capped at INR 100,000 for Normal as well as C-section for 2 deliveries only
• New born baby- Covered from day 1
• Ambulance charges covered for INR 1000 per claim
• Pre and Post Hospitalization – Covered for 30 & 60 days respectively.
• Mid-term addition of child / spouse will be permitted only in case of new born / newly married spouse subject to intimation within 30 days from the date of birth /marriage.
• Any other mid-term addition will not be permitted.