• This insurance is available to cover the individual and their family members.
• Children between the age of 3 months to 21 years can be covered provided parents are covered simultaneously.
• The policy covers hospitalization expenses for the treatment of illness/injury provided hospitalization is more than 24 hours.
• Pre-hospitalization expenses for 30 days and post hospitalization expenses for 60 days are also payable.
• Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where 24 hour hospitalization is not required.
• Pre-existing diseases can be covered after 4 claim free years.
• Some of the diseases (e.g Cataract and hernia) are covered after two years.
• Only Accidental injuries are covered within 30 days from inception of the policy.

Major Exclusions

• Dental treatment except arising out of accident.
• Debility and General Run Down Conditions.
• Sexually transmitted diseases and HIV (AIDS)
• Circumcision, Cosmetic surgery, Plastic surgery unless required to treat injury or illness.
• Vaccination and Inoculation.
• Pregnancy and child birth.
• War, Act of foreign enemy, ionising radiation and nuclear weapon.
• Treatment outside India.
• Naturopathy
• Domiciliary Treatment.
• Experimental or unproven treatment.
• All external equipments such as contact lenses, cochlear implants etc.

“Insurance is the subject matter of solicitation"
MADHUVAN INSURANCE BROKING – An IRDA recognized Insurance Broking House