My Health Care Plan

Get the flexibility to personalise coverage for you and your family with our plan that’s truly modular

Receive outpatient benefits equal to 2X premium amount paid for enhanced medical support

Choose adequate sum insured from 3 lacs to 5 crores that suits your need

Avail the option of unlimited reinstatement of sum insured even if you have exhausted it due to claims

Benefit from consumable coverage (up to SI limit) that covers the cost of items like gloves, syringes, and bandages used during treatment

Get the option to add international cover applicable for only medical emergencies that you encounter overseas

Ensure coverage for expenses incurred for maternity, surrogacy, complications of assisted reproductive technologies (ART), and care for your newborn

Avail preventive health check-ups every year from the first year of your policy to stay ahead of health issues

Renewal premium of this plan will be waived off for 1 year in case of the proposer's demise

Enjoy flat 5% discount if you make an online purchase from our website or application

Avail discounts of 15% for Zone B and 25% for Zone C depending on where you live

Avail up to 12.5% wellness discount for healthy habits on renewal and 5% fitness discount on buying a new policy if you are a marathon runner

Access 5% discount if you have with us any Motor, Health, Home, Cyber and Pet policy with premium of Rs.2500 or higher

Become eligible for early bird discount, long term policy discount, family discount, and employee discount

*For Age group of 0-20 Premium Starts at INR 5426 Annually which is about INR 15 per day.

Coverage for the cost of in-patient hospitalisation (including room type choices), ICU charges (at actuals), and all day care procedures, surgeries, and other essential medical services

Pre-hospitalisation expenses (up to 60 days) and post-hospitalisation expenses (up to 90 days) with flexible customisation options to suit your needs are covered

Doctor consultations at their clinic or online, along with pathology, radiology and annual preventive health check-ups as per specified limits are covered

Coverage for medical expenses incurred during at-home treatment as per the doctor’s advice in case there are no beds available at the hospital or the patient can’t be moved to the hospital

Any medical expenses incurred while undergoing advanced treatment methods and modern technological procedures are covered

Medical expenses for an organ donor’s in-patient treatment during organ harvesting are covered, provided the insured is the recipient of the donated organ

Coverage for ayurvedic, yoga, unani, siddha and homeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury

Coverage for expenses incurred during treatment for maternity, surrogacy, complications of assisted reproductive technologies (ART) and newborn

Additional sum insured for covering hospitalisation expenses of a newborn is provided

Covers expenses incurred for items such as wheelchair, crutches, walker, and hearing aid required after an illness or injury

Exhausted sum insured or SI will be reinstated so that you can avail the full coverage for your next claim in a policy year if needed

If an unfortunate claim exhausts Sum Insured limit, the then additional amount of 20% Sum Insured (up to 25 INR lacs) will be available

Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan

Additional coverage options like cumulative bonus, airlift cover, family visit, renewal premium waiver, and consumables cover among others are available

Please read policy wording for detailed terms and conditions

Treatment expenses during the first 30 days except for treatment of accidental injuries

Treatment expenses for pre-existing diseases such as diabetes, asthma, thyroid and other PED, are excluded until 12/24/36 months (as selected) from date of your first My Health Care Plan

Treatment expenses for specified illnesses, including hernia, gout, endometriosis, and cataract are excluded are excluded until 12/24/36 months (as selected) from date of your first My Health Care Plan

Coverage for maternity treatment for a pre-defined, continuous waiting period of 12/ 24/ 36 months

Cost of diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment

Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances

Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns

Medical expenses incurred as a result of self-harm, intoxication, illegal actions, hazardous activities, etc.

Part of the claim will be borne by you (the policyholder) if you have opted for deductibles or co-pay

Please read policy wording for detailed exclusions

Pre-determined weekly payout if the insured is hospitalised for at least 72 consecutive hours due to an illness (excluding infections) or accidental injury during the policy period

Increased sum insured (up to 3X specified limit) for hospitalisation for in-patient treatment due to a listed critical illness or accidental bodily injury

Medical expenses incurred overseas in case of emergency care can be reimbursed (up to Hospitalisation SI) limit)

Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service

Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet and nutrition consultations as per the chosen plan