Insurance Plans
WE OFFER COMPREHENSIVE HEALTH INSURANCE PLANS
Protect yourself and your family with smart health insurance solutions designed for complete financial security. From hospitalization coverage and unlimited restoration benefits to specialized care for pre-existing conditions, our plans ensure peace of mind during every stage of life.
SARVAH plan
A complete health insurance solution designed to provide maximum financial protection during medical emergencies. SARVAH offers extensive hospitalization coverage with flexible benefits, helping individuals and families access quality healthcare without worrying about unexpected expenses. The plan is built to ensure long-term security through bonus benefits, restoration features, and enhanced claim support.
key benefits
Comprehensive Hospitalization Coverage
Get coverage up to ₹3 Crore with no restrictive sub-limits or co-payment conditions. This ensures policyholders can receive the best medical treatment without compromising due to financial limitations.
Gullak Benefits
SARVAH rewards policyholders with bonus coverage every claim-free year. The sum insured can increase significantly over time, offering up to 10x growth on the base coverage amount, helping you stay prepared for future healthcare needs.
Unlimited Restoration Benefit
If your sum insured gets exhausted during treatment, the policy automatically restores the coverage amount within the same policy year. This benefit is available for both related and unrelated illnesses, ensuring uninterrupted protection.
Surplus Benefit
Receive an additional 100% of your sum insured from Day 1 for the first claim in every policy year. This feature strengthens your financial support during major medical emergencies.
No Zonal Co-payment
Policyholders can avail treatment in higher-zone hospitals without paying additional co-payment charges, providing the freedom to access premium healthcare facilities across locations.
Lifetime Health
Lifetime Health is a long-term healthcare protection plan designed to upgrade your existing insurance with advanced riders and enhanced benefits. It focuses on continuity, restoration, and long-term premium advantages, making it ideal for individuals seeking lifelong health security.
Key Benefits
Advanced Health 360 Riders
Enhance your health insurance coverage with newly launched Health 360 Riders that provide additional protection and customizable healthcare benefits tailored to evolving medical needs.
Continuity Benefits
Existing policyholders with a sum insured of ₹10 Lakhs or above can enjoy continuity benefits on the entire insured amount, ensuring seamless transition and uninterrupted coverage.
Unlimited Restoration Benefit
The policy automatically restores your sum insured for unrelated illnesses, ensuring multiple claims can be managed efficiently within the same policy period.
Premium Waiver Benefits
In eligible situations, the policy provides premium waiver benefits for the next policy year, helping reduce financial burden during difficult times.
Renewal Premium Benefits
Loyalty Discounts:
Enjoy long-term savings with attractive loyalty discounts:
- 5% discount from the 4th policy year onwards
- 10% discount from the 8th policy year onwards
These benefits encourage continuous coverage while rewarding customer loyalty.
Super Top Up
Super Top Up is an enhanced protection plan that provides additional financial support beyond your base health insurance coverage. It is designed to help policyholders manage rising medical expenses while offering flexibility, comfort, and specialized care benefits.
Key Benefits
Comprehensive Coverage for Non-Medical Expenses
Unlike traditional health insurance plans, this policy covers non-medical hospitalization expenses, helping policyholders avoid hidden costs and unexpected financial stress during treatment.
Flexible “Switch Off” Feature
Save on premiums by temporarily switching off coverage when it is not required, such as during extended international travel. This flexible feature helps optimize insurance costs based on your lifestyle needs.
No Cap on Room Rent
Choose your preferred hospital room without restrictions. Whether it is a single AC room, suite, or premium accommodation, the policy provides complete flexibility and comfort during hospitalization.
Unlimited Restoration of Sum Insured
The policy automatically replenishes the sum insured after claims, ensuring continuous protection for both related and unrelated illnesses throughout the policy year.
Specialized Care for Pre-Existing Conditions
The plan is specifically designed to support individuals managing pre-existing medical conditions by offering tailored healthcare benefits for:
- Asthma
- Diabetes
- Hypertension
- Dyslipidemia
- Obesity
This makes the plan highly suitable for individuals seeking long-term protection while managing chronic health conditions.