Smart Tenure Rider

Get long-term protection for up to 5 years with flexible multi-year options.

Wider list of non-medical items is covered, reducing out-of-pocket costs during hospitalisation.

International treatment support for globally mobile customers.

Benefits like Age Shield, StepUp Benefit, Smart Tenure, and Super Cumulative Bonus are available to keep your plan relevant as your life evolves.

Coverage for teleconsultations, lab tests, dental, fitness, and emotional wellness with Health Prime Rider (HPR) at an additional cost.

Option to cover the cost of hospitalisation or a catastrophic medical event once, with no sum insured limit.

Please read policy wording for detailed terms and conditions.

Covers all major hospitalisation expenses, like room rent, ICU, doctors' fees, surgery costs, medicines, implants, and diagnostic tests, if the insured is admitted for more than 24 hours.

Medical expenses up to 60 days before hospitalisation and expenses up to 90 days after discharge for the same illness are covered.

Covers medical procedures (such as cataract surgery, minor surgeries, etc.) that need less than 24 hours of hospitalisation due to technological advancements.

Covers advanced procedures such as robotic surgeries, oral chemotherapy, immunotherapy injections, stem cell treatments for eligible conditions, and other listed modern treatments.

Covers AYUSH treatments (ayurveda, yoga, naturopathy, Unani, Siddha, homeopathy) when hospitalised for more than 24 hours.

Covers emergency ambulance transportation to the nearest hospital or for hospital-to-hospital transfer.

Covers medically necessary treatment at home when hospital admission is not possible (with a list of excluded illnesses).

Covers the organ donor's medical expenses related to organ harvesting, only when the insured is the recipient.

If the insured is hospitalised 200+ km away from home, travel expenses for one family member to visit are covered (as per specified limits).

Get a 25% increase in sum insured (up to 100% of sum insured) each claim-free year.

If the sum insured is exhausted, it gets refilled unlimited times in the same policy year for new health events (as per the policy conditions).

Please read policy wording for detailed inclusions.

An initial waiting period right after policy issuance is applicable for pre-existing diseases, and an additional waiting period for specific illnesses or procedures (as per the policy details) also applies.

Certain treatments, services, or items may not be covered under the policy (as these fall under standard exclusions) or may have restricted coverage based on the modified terms upon addition of any add-ons/riders.

Expenses on non-medical items are generally not covered under the policy. However, if you choose to add a consumables cover or rider, some of these items may be included, but only as specified in the policy’s list or annexure.

Treatment outside India is not covered by default and is only included if you opt for an International or Global coverage option. Coverage for treatment outside India is subject to meeting the policy’s eligibility criteria and specific terms and conditions.

Please read policy wording for detailed exclusions.

Coverage for planned and emergency treatment abroad (as per the eligible sum insured slabs and co-pay options apply).

Pay the premium amount that was set as per the entry age at the time of policy inception until a claim is paid.

Option to enhance the existing sum insured (at first policy renewal) to the next available slab for sum insured without starting the waiting period again.

Consolidates the total sum insured available during a multi-year policy for the insured.

For one claim, a high-cost hospitalisation can be paid without the annual sum insured capping.

Coverage for specified consumables/non-medical items as per the policy.

Get 100% cumulative bonus for each claim-free year. The sum insured can be increased up to 600% during a 5-year policy.

Coverage for medical expenses up to twice the sum insured amount for listed events in the policy.

Coverage for cashless OPD services such as teleconsultations, lab tests, and dental procedures.

Option to add some specialised riders like NRInsure, Insta Shield, Fetal Flourish, and more.

Air ambulance evacuation in life-threatening emergencies within India (coverage is up to ₹10 lakh).

Coverage, limits, sub-limits, deductibles, co-pays (if any), and waiting periods apply as per the policy schedule.