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Hospitalisation for at least 24 consecutive hours for medically necessary treatment, including room charges, nursing, ICU, surgeon and doctor fees, anaesthesia, blood, oxygen and operation theatre charges.

Treatment requiring less than 24 hours of hospitalisation, up to the Sum Insured.

Listed advanced methods including Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Monoclonal Antibody Immunotherapy injections, Intra Vitreal injections, Robotic Surgery, Stereotactic Radio Surgery, Bronchial Thermoplasty, Prostate Vaporisation, IONM and listed Stem Cell Therapy, up to the Sum Insured.

Medical expenses incurred during the 60 days before hospitalisation, up to the Sum Insured.

Medical expenses incurred during the 180 days after discharge, up to the Sum Insured.

In-patient treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy, up to the Sum Insured.

Treatment at home where the condition actually merits domiciliary hospitalisation; the treatment must continue for more than 3 consecutive days.

Donor medical expenses for organ transplant surgery where the insured person is the recipient. Donor pre- and post-hospitalisation expenses are not covered.

Up to ₹10,000 per year for SI below ₹15 lakh and up to the Sum Insured for SI of ₹15 lakh and above.

Adds 50% of the base Sum Insured each year, up to 100% of the base Sum Insured. The accrued bonus is not reduced after a claim.

Reinstates the base Sum Insured unlimited times in the policy year after exhaustion, for the remaining policy year.

Unlimited General Physician e-consultations through voice, video call, chat or email chat during the policy year.

Health Portal access, including doctor-on-chat and healthy-tip reminders, plus Discount Connect offers on consultations, diagnostics, maternity and other services at the Care network.

Treatment of Pre-Existing Diseases and direct complications is not covered for the first 36 months of continuous coverage. The waiting period applies afresh to an increase in Sum Insured.

Listed conditions and procedures are not covered for the first 24 months. These include specified ENT conditions, BPH, cataract, D&C, piles, hernia, hydrocele, kidney/ureter stones, varicose veins, joint procedures, certain tumours/cysts, myomectomy, Parkinson's, Alzheimer's and dementia.

Treatment of illness during the first 30 days from policy commencement is not covered, except claims arising from an accident.

Admission primarily for investigation or diagnosis, and diagnostic expenses unrelated or incidental to the current diagnosis and treatment.

Enforced bed rest, custodial care, rehabilitation, respite care and similar services are not covered.

Surgical treatment for obesity is excluded except where the policy's medical, BMI, age and clinical criteria are met.

Treatment, including surgical management, to change bodily characteristics to those of the opposite sex.

Cosmetic or plastic surgery, except medically necessary reconstruction following an Accident, Burns or Cancer or treatment required to remove a direct and immediate health risk.

Treatment arising from specified professional hazardous or adventure sports, including rock climbing, mountaineering, rafting, motor racing, scuba diving and sky diving.

Treatment directly arising from committing or attempting to commit a breach of law with criminal intent.

Treatment at Hospitals, by Medical Practitioners or by providers specifically excluded by the insurer.

Treatment for alcoholism, drug or substance abuse, addictive conditions and their consequences.

Treatment received at health hydros, nature cure clinics, spas, convalescent homes, detoxification centres, homes for the aged and similar establishments.

Vitamins, minerals and similar substances available without prescription, except where prescribed as part of Hospitalisation or Day Care Treatment.

Correction of eyesight for refractive error of less than 7.5 dioptres.

Treatments, procedures or supplies lacking significant medical documentation supporting their effectiveness.

Contraception, sterilisation, IVF, ZIFT, GIFT, ICSI, gestational surrogacy and reversal of sterilisation.

Expenses arising from childbirth, complicated delivery and Caesarean section, except ectopic pregnancy; miscarriage is excluded unless due to an accident.

Items listed under List I of Annexure I are not payable unless specifically covered through an applicable benefit.

Treatment arising from participation in naval, military, air force operations or professional/semi-professional aviation.

Treatment by a person who is not a Medical Practitioner, treatment outside the practitioner's licensed discipline and self-medication.

Routine eye and ear examinations, dentures, artificial teeth and similar external appliances or devices.

External prostheses, corrective devices and specified external durable medical equipment such as wheelchairs, walkers, glucometers, crutches and related devices.

Alopecia wigs, toupees and hair or hair-fall treatments and products.

Screening, counselling or treatment for external congenital anomalies, defects or birth defects.

Treatment of mental retardation, arrested or incomplete mental development, subnormal intelligence or mental intellectual disability.

Circumcision unless necessary for treatment of an Illness or required because of an Accident.

Preventive care, vaccination, inoculation, immunisation and tonics, except specified benefits such as Annual Health Check-Up and post-bite treatment.

Artificial life maintenance or life-support treatment after confirmation of a vegetative or brain-dead state where recovery or restoration is not possible.

Hydrotherapy, Acupuncture, Reflexology, Chiropractic treatment and treatment under unrecognised systems of medicine, except covered AYUSH treatment.

War, invasion, foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military/usurped power, seizure, capture, arrest, restraint or detention.

Self-destruction, self-inflicted Injury, attempted suicide and suicide.

Charges incurred to procure documents relating to treatment or Illness.

Separately charged TV, cosmetics, hygiene articles, body-care products, bath additives and similar incidental items.

RMO charges, service charges, surcharges, hospital night charges and transportation charges of visiting consultants.

Loss, claim or expense arising from a nuclear, chemical or biological attack or weapon.

Impairment of intellectual faculties caused by abuse of stimulants or depressants, unless prescribed by a Medical Practitioner.

Treatment in clinics, rest homes, convalescent homes for addicts, detoxification centres, sanatoriums, homes for the aged and similar institutions.

Remicade, Avastin or similar injectable treatments received outside In-patient or Day Care Hospitalisation.

Advanced Technology Methods other than those specifically listed under the plan.

Hormone replacement therapy.

Illness or Injury attributable to tobacco, intoxicating drugs, alcohol, hallucinogens or smoking.

Treatment or expenses that are not Reasonable and Customary and/or not Medically Necessary.

Reduces premium when treatment is taken at listed Smart Select hospitals; treatment outside the listed hospitals carries an additional 20% co-payment per claim.

Changes the eligible room category to Single Private AC Room or Twin Sharing Room, as selected.

Reduces the 36-month PED waiting period to 1 year or 2 years.

Reduces the 24-month Named Ailment waiting period to 1 year.

Waives the PED waiting period for Diabetes, Hypertension, Hyperlipidemia and Asthma when these are declared at first policy issuance. Instant cover starts after the initial 30-day waiting period is over, and it cannot be clubbed with PED wait period modification cover.

Aggregate deductible options of ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹5 lakh or ₹10 lakh.

Optional co-payment choices of 5%, 10%, 20%, 30% or 50% per claim.

Allows a newborn to be added from Day 1; applicable waiting periods continue to apply.

Provides an additional 20% of the Sum Insured, up to a maximum of ₹10 lakh, from Day 1 after the base Sum Insured is exhausted.

Adds up to 100% of the base Sum Insured per year, up to a maximum of 500% of the base Sum Insured.

One cashless health check-up per insured member in each policy year at a Care network provider or empanelled service provider.

Insured members above 12 years can avail unlimited visits to network fitness centres during the policy year.

Recording 10,000+ steps a day can earn a renewal discount of 10% for 120 days, 15% for 180 days, 20% for 240 days or 30% for 270 days.

Emergency air ambulance expenses in India up to ₹5 lakh per year.

For women aged 18+: cashless mammography, cervical cancer screening and PCOS/PCOD tests up to ₹10,000, ₹25,000 or ₹50,000 per year.

Cashless consultation, counselling and rehabilitation for acute depression, OCD, anxiety and PTSD, up to ₹10,000, ₹25,000 or ₹50,000 per year.

Covers non-payable hospital items listed under List I of Annexure I, up to the applicable Sum Insured.

Pays Hospitalisation Expenses for one claim during the policy lifetime without an annual Sum Insured limit, after the base Sum Insured and applicable additional cover are utilised.

Reduces premium when hospitalisation follows consultation with an empanelled independent Medical Practitioner; the policy applies the specified co-payment where the required consultation is skipped for a non-emergency admission.

Provides health coaching, condition-specific diagnostic tests, lifestyle guidance, personalised diet plans and live sessions for insured members with specified chronic diseases such as diabetes, hypertension, hyperlipidemia and hypothyroidism.