Family Complete

Coverage applies to adults from 18 years onwards, children from 3 months to 30 years, and pet dog/cat from 3 months to unlimited age.

Get long-term protection up to 5 years for your family and your pet with multiple exclusive benefits.

Pets are treated as integral family members and are covered under the same insurance coverage.

Enhance your policy with exclusive additonal covers, ensuring comprehensive protection for you and your pet.

Get reimbursement for advertising and reward expenses incurred to locate your pet if it is lost or stolen.

Get coverage for your pet’s alternate accomodation in case you are hospitalised and unable to take care of your pet.

Covers legal liability for injury/death/property damage caused by your insured pet per claim.

Get coverage for hospitalisation expenses up to Sum Insured for you and your pet.

Covers room rent for single private AC room for you and your pet. Option to upgrade room category is available.

Covers emergency road ambulance expenses up to Sum Insured.

Reimburses medical expenses incurred for you and your pet for up to 60 days before hospitalisation and for up to 90 days after discharge.

Covers listed advanced procedures for both pets and humans up to Sum Insured.

Get coverage upto Sum Insured if hospitalised under AYUSH facilities. Only applicable to humans.

Covers organ donor-related expenses for both pets and humans.

Covers treatment taken at home when hospitalisation is medically required but you or your pet cannot be moved or hospital room is unavailable.

Reimburses domestic travel cost for one family member/friend/relative when insured is hospitalised more than 200 km away.

Get up to 25% accrual bonus for each claim-free year, up to 100%.

With our Sum Insured Reinstatement, your inpatient hospitalisation coverage gets a fresh start an unlimited number of times if exhausted.

Get up to 20% of Sum Insured for cataract treatment, max up to INR 1 Lakh per eye. No limit applicable for more than 10 Lakh SI.

Get a fixed recovery benefit of 1% of Sum Insured up to INR 50,000 if you or your pet’s hospitalisation exceeds 5 continuous days.

Expenses for treatments, procedures, services, or supplies that lack sufficient medical evidence of effectiveness are not covered.

Expenses incurred at hospitals, medical practitioners, or providers specifically excluded by the insurer are not covered; however, in emergencies or accidents, costs up to patient stabilisation may be payable.

Cosmetic dental procedures, dentures, prostheses, implants, orthodontics, and non-accident-related dental surgeries are not covered unless required due to accidental injury to natural teeth and involving hospitalisation.

Vitamins, minerals, and other over-the-counter supplements are not covered unless prescribed by a medical practitioner as part of a hospitalization or day-care treatment.

Claims related to breeding, pregnancy, whelping, queening, racing, guarding, hunting, commercial activity or working pets are excluded.

Grooming, bathing, nail clipping, cosmetic treatments, aesthetic procedures and similar routine care expenses are not covered.

Claims for diseases preventable through timely vaccination or prophylactic medication may not be covered if the required schedule was not followed.

Covers air ambulance transportation expenses for both pets and humans up to INR 10 Lakh within India for emergency life-threatening situations.

Increases cover up to twice the In-patient Hospitalisation Sum Insured for listed major illnesses or accidental injuries

Doubles the in-patient hospitalisation Sum Insured once in a policy year after exhaustion of in-patient Sum Insured.

Pays a lump sum on birth of a child or a pet litter after a 12 month waiting period.

Covers prescribed external medical aids after an admissible hospitalisation claim, up to 10% of Sum Insured, max INR 5 lakh.

Optional higher bonus structure with variants such as 50% up to 200/500% and 100% up to 200/500/600%.

Covers planned and emergency hospitalisation outside India for Sum Insured INR 10 lakh and above; with mandatory co-pay options of 10%, 20%, 30%, 40% or 50%.

Covers a wide list of consumables, including pet-specific medical consumables.

For Sum Insured INR 10 lakh and above; covers one claim without annual Sum Insured limit during the lifetime of the in-patient policy.

Optional Cover for NRIs/OCIs providing a 35% discount on premium. Can extend to pets if the pet resides overseas with the insured person.

Pays entry age premium until a claim is paid.

You can opt for co-pay of 5%, 10%, 15% or 20% and avail discounts on premiums.

Access to special rates on services like OPD, diagnostics, pharmacy and wellness services through network/app.

Reimburses additional pet boarding expenses if the pet parent’s return to India is delayed due to listed reasons.

Get support for adopting a new pet if the insured pet passes away, is euthanized due to incurable suffering, or is lost/stolen and not recovered within 30 days.