Voluntary Deductible

You can choose to pay a fixed amount out of pocket before the policy starts paying for your claims, which can help lower your premium.

Specific Illness Waiting Period

You can reduce the standard waiting period for specific illnesses to just 1 year, so you get coverage sooner.

Cumulative Bonus Booster

For every claim-free policy year, you get an additional 100% of your sum insured, up to a maximum of 500%.

OPD Treatment

This cover takes care of outpatient expenses, including doctor consultations, diagnostic tests, and medicines, for any illness or injury.

Unlimited Cover

Once in the lifetime of the policy, this benefit covers the full admissible amount for any one claim during a single hospital stay or day care treatment.

Unlimited Restoration of Sum Insured

If you use up your sum insured, the plan restores your base sum insured to 100% as many times as needed during the policy year.

Maternity Expenses

The plan covers expenses for delivery, whether normal or cesarean, as well as miscarriage or lawful termination of pregnancy during the policy year.

Consumables / Non-Medical Expenses Cover

This cover takes care of the cost of consumables and other non-medical items used during your treatment.

Co-pay Waiver for Excluded Hospitals

Even if you get treated at a hospital outside the network list, you do not have to pay the usual co-pay amount.

Co-pay Waiver Outside Kerala

If you receive treatment outside Kerala, this waiver removes the co-pay you would normally have to pay.

Injury or illness caused by war or war-like situations

Circumcision, unless needed for an illness or caused by an accident

Birth defects and related illness

Vaccination, except when given after an animal bite

Cost of spectacles, contact lenses, hearing aids, and similar equipment

Injury or illness caused by nuclear weapons or materials

Treatment for alcohol, drug, or substance abuse

Sexually transmitted diseases, other than HIV/AIDS