Day Care Treatments
All day care treatments that take less than 24 hours of hospitalization due to technological advancement but otherwise would have needed a day are covered
Hospitalization at Home
Treatments done at home due to patient condition or unavailability of hospital bed are all covered upto sum insured
Hospital Room Eligibility
There are no sublimits on availing rooms under hospitalization; total payment up to Sum Insured permitted
Alternate Medicine
Coverage upto Rs 5 Lacs for utilizing ayurveda, unani or other alternate medicine methods in Govt. hospitals; Rs 30,000 in other accredited hospitals
Share Claim Payments
Full claims payment by Insurer; Customer doesn't bear any part of claim payments, for lifetime
Bonus on No Claim
Incremental cover up to Rs 1 Lac added for every claim free year up to a cumulative maximum of Rs 5 Lacs; no reduction if there is a claim
Restoration of Cover
Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year
Pre existing conditions
There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase
Ambulance Charges
Up to Rs 5,000 per hospitalization offered for utilizing ambulance services; payable with hospitalization claim
Worldwide Emergency
No coverage provided outside India even under emergency
Domestic Evacuation
Upto Rs 100000 for emergency domestic evacuation for bed-to-bed transfer
Maternity
This plan doesn't provide coverage for maternity & related claims
Health Checkups
Health checkup permissible annually except 1st year, in designated network
Doctor-on-Call Service
No complimentary access to doctors in company network through a call
Health Assessment
This plan doesn''t provide any complimentary access to a Health Assessment Report
Wellness Factors
This plan provides access to a health portal as well as to a health maintenance network
Network Hospitals Covered
RSA has a list of 4195 hospitals that offer cashless hospitalization