Get coverage for medical treatment post hospitalisation for all insured members    

The policy will cover pre and post hospitalisation expenses as well. The period of the treatment covered is 30 days before you get admitted to the hospital and 60 days after you get discharged from the hospital.     

The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice 

Get coverage for the ambulance expenses up to Rs 2000 for any emergency hospitalisation. These expenses are paid once the in-patient claims are approved

Get the health pulse policy and you can cancel within 15 days to get a full refund.

Save taxes on the premiums paid under section 80D of the income tax act    

There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly    

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•Ancillary hospital charges

•Hazardous activities

•Artificial life maintenance

•Circumcision

•AYUSH treatments, except inpatient treatments taken under Ayurveda, Unani, Sidha and Homeopathy

•Conflict & disaster

•External congenital anomaly

•Convalescence & rehabilitation

•Cosmetic and plastic surgery

•Dental/oral treatment

•Eyesight & optical services

•Experimental or unproven treatment

•Hormone Replacement Therapy

•Hospitalisation not justified

•Inconsistent, irrelevant or incidental diagnostic procedures

Non-medical expenses    

•Obesity and weight control programs

•Reproductive medicine & other maternity expenses

•Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments

•Sexually transmitted infections & diseases

•Sleep disorders

•Substance related and addictive disorders

•Unlawful activity

•Treatment received outside India

•Unrecognized physician or hospital

•Generally excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure II of the Policy Document.

We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the Policy.

• AYUSH Treatment: Any covered Critical Illnesses diagnosed and/or treated by a Medical Practitioner who practices AYUSH Treatment.

• Conflict & Disaster: Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.

• External Congenital Anomaly: Screening, counselling or treatment related to External Congenital Anomaly.

• Cosmetic and Reconstructive Surgery: Any Critical Illnesses arising due to treatment undergone purely for cosmetic or psychological reasons to improve appearance. 

•Experimental/ Investigational or Unproven Treatment:

a. Services including device, treatment, procedure or pharmacological regimens which are considered as investigative or Unproven / Experimental Treatment.

b. Biodegradable (bioresorbable, bioabsorbable) polymer drug eluting stents will be considered as experimental and investigational for all purpose.

Hazardous Activities: Any claim relating to Hazardous Activities.    

 HIV, AIDS, and related complex: Any condition directly or indirectly caused by or associated with Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS), including any condition that is related to HIV or AIDS.    

•Reproductive medicine & other Maternity Expenses: Any Critical Illness arising out of , directly/ indirectly caused by, contributed to or aggravated by:

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a. Pregnancy or Child Birth Pregnancy (including voluntary termination), miscarriage, maternity or child birth (including through caesarean section)

b. Birth Control Any type of contraception, sterilization, abortions, voluntary termination of pregnancy or family planning;

c. Assisted Reproduction Infertility services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy;

d. Sexual disorder and Erectile Dysfunction. Treatment of any sexual disorder including impotence (irrespective of the cause) and sex changes or gender reassignments or erectile dysfunction;

e. Any costs or expenses related to pregnancy, complications arising from pregnancy or medical termination of pregnancy unless caused by an Accident.    

•Sexually transmitted Infections & Diseases: Screening, prevention and treatment for sexually related infection or disease.

• Substance related and Addictive Disorders: Treatment and complications related to disorders of intoxication, dependence, abuse, and withdrawal caused by drugs and other substances such as alcohol or nicotine.

• Traffic Offences & Unlawful Activity: Any condition occurring as a result of breach of law by the Insured Person with criminal intent.      

•Unrecognized Physician or Hospital:

a. Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by Central council of Homeopathy or by relevant authorities in the area or country where the treatment is taken.

b. Treatment or Medical Advice related to one system of medicine provided by a Medical Practitioner of another system of medicine.

c. Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or relatives.

d. Treatment provided by Hospital or health facility that is not recognized by the relevant authorities in India or any other country where treatment takes place.

e. Treatment or services received in health hydros, nature cure clinics or any establishment that is not a recognized Hospital or healthcare facility