Filter by what the wording says.

ACKHLIP23114V012223 — ACKO — Retail health indemnity; benefits available on individual or floater basis as stated in Schedule — Official source date: Not yet verified — source current as of 22 Jul 2026

Room rent

Verified in wordingSchedule-dependent room category/rent limit. If a higher category/rent is used, proportionate deductions apply to associated in-patient expenses, except MRP-billed medicines/items.

Room rent · 3.2.2, Room Rent / ICU · PDF p.15 / printed p.15 ↗

ICU

Verified in wordingICU charges are covered at the limit/category specified in the Policy Schedule; a default numeric limit is not stated in the wording.

ICU · 3.2.2, Room Rent / ICU · PDF p.15 / printed p.15 ↗

Co-payment

Verified in wordingSchedule-dependent optional co-pay. If Co-pay is in force, it applies to every claim at the Schedule percentage. Separate optional First Notification and Preferred Provider Network benefits can impose a Schedule co-pay when their conditions are breached.

Co-payment · 3.3.4, First Notification; 3.3.5, Preferred Providers Network; 3.3.6, Co-pay · PDF p.20 / printed p.20 ↗

Pre-existing disease waiting period

Not yet verifiedNot yet verifiedWhy this remains unverified: Clause 4.1.1 defers the number of months entirely to the Policy Schedule.

Source for this unverified explanation: Pre-existing disease waiting period — source of the unverified explanation · 4.1.1, Pre-existing Diseases · PDF p.33 / printed p.33 ↗

Specified disease / procedure waiting period

Not yet verifiedNot yet verifiedWhy this remains unverified: Clause 4.1.2 defers the number of months entirely to the Policy Schedule.

Source for this unverified explanation: Specified disease / procedure waiting period — source of the unverified explanation · 4.1.2, Specified disease/procedure waiting period · PDF p.33 / printed p.33; PDF p.34 / printed p.34 ↗

Initial waiting period

Verified in wording30 days; accident claims excepted; not applicable after more than 12 months of continuous coverage.

Initial waiting period · 4.1.3, 30-day waiting period · PDF p.34 / printed p.34 ↗

Treatment sub-limits

Not yet verifiedNot yet verifiedWhy this remains unverified: The wording states each benefit is subject to Schedule limits/sub-limits; it does not establish a complete default numeric treatment-cap set.

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Restoration / recharge

Verified in wordingOptional and Schedule-defined. Triggers after Base SI plus applicable inflation/NCB SI is used and insufficient for another claim; not available for the first claim or the same illness already claimed that year; unused restoration does not carry forward. Amount/frequency remain Schedule-dependent.

Restoration / recharge · 3.3.2, Restore Sum Insured · PDF p.18 / printed p.18; PDF p.19 / printed p.19 ↗

Day-care treatment

Verified in wordingDay Care Treatment expenses are covered; outpatient treatment is excluded.

Day-care treatment · 3.2.3, Day Care Treatment · PDF p.15 / printed p.15 ↗

Maternity

Explicit absence in wordingBase wording excludes childbirth-related expenses except ectopic pregnancy, and miscarriage except when caused by accident.

Maternity · 4.1.14, Maternity · PDF p.36 / printed p.36 ↗

AYUSH

Verified in wordingAYUSH in-patient treatment is included among Basic Benefits, subject to the Schedule and policy exclusions.

AYUSH · 3.2.1, In-patient Hospitalization · PDF p.14 / printed p.14; PDF p.15 / printed p.15 ↗

Pre- and post-hospitalization

Verified in wordingCovered for the number of days/limit in the Policy Schedule; the wording does not state a default duration.

Pre- and post-hospitalization · 3.2.4, Pre or Post Hospitalization Medical Expenses · PDF p.15 / printed p.15 ↗

Zone pricing

Verified in wordingPremium Zone A: Delhi/NCR, Mumbai including Navi Mumbai/Thane/Kalyan, and Kolkata including Howrah. Zone B: rest of India. Applied zone appears in Schedule.

Zone pricing · 5.2.3, Geography / Zone-wise classification · PDF p.46 / printed p.46 ↗

No-claim / renewal benefit

Verified in wordingOptional and Schedule-defined. After a claim-free year for in-patient/day-care benefits, a fixed percentage of Base SI is added for the next year; total NCB SI cannot exceed Base SI. The percentage itself is not fixed in the wording.

No-claim / renewal benefit · 3.3.3, No Claim Bonus Sum Insured · PDF p.19 / printed p.19 ↗

Sum insured options

Not yet verifiedNot yet verifiedWhy this remains unverified: The current wording defers Base Sum Insured to the Policy Schedule and does not enumerate the selectable range.

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Values describe this cited wording version only. Check the policy schedule and current official wording; options and dates can change which term applies.

ADIHLIP24097V012324 — Aditya Birla Health Insurance — Retail health indemnity; individual or family floater — Official source date: Not yet verified — source current as of 22 Jul 2026

Room rent

Verified in wordingActuals up to Sum Insured. Optional room-rent type can restrict eligibility to Single Private Room or Shared Accommodation if selected.

Room rent · Annexure III, Activ One MAX Product Benefit Table; C.13.3, Room Rent Type Options · PDF p.35; PDF p.46; PDF p.47 ↗

ICU

Verified in wordingActuals up to Sum Insured.

ICU · Annexure III, Activ One MAX Product Benefit Table · PDF p.46 ↗

Co-payment

Verified in wordingNo default percentage is stated. Optional Preferred Provider Network Discount gives 10% premium discount and imposes 10% co-pay on every claim at a hospital outside the PPN.

Co-payment · C.13.5, Preferred Provider Network Discount · PDF p.35 ↗

Pre-existing disease waiting period

Verified in wordingThree years. Optional reduction can change it to two years or one year if selected at first-policy inception.

Pre-existing disease waiting period · D.1.1, Pre-existing Diseases; C.13.2; Activ One MAX Product Benefit Table · PDF p.10; PDF p.35; PDF p.47 ↗

Specified disease / procedure waiting period

Verified in wordingTwo years; accident claims excepted. Optional reduction changes it to one year if selected at first-policy inception.

Specified disease / procedure waiting period · D.1.2, Specified disease/procedure Waiting Period; C.13.1; Product Benefit Table · PDF p.10; PDF p.35; PDF p.47 ↗

Initial waiting period

Verified in wording30 days; accident hospitalization excepted.

Initial waiting period · D.1.3, 30-day Waiting Period; Product Benefit Table · PDF p.11; PDF p.47 ↗

Treatment sub-limits

Verified in wordingListed modern procedures/treatments are payable at actuals up to Sum Insured. This does not establish the absence of caps for every benefit.

Treatment sub-limits · Annexure III, Activ One MAX Product Benefit Table · PDF p.46 ↗

Restoration / recharge

Verified in wording100% of Base Sum Insured, unlimited times per policy year when Base Sum Insured plus Super Credit is exhausted or insufficient; not payable for the first claim in the life of the policy, but available for subsequent claims; single-claim liability is capped at Base Sum Insured.

Restoration / recharge · C.10, Super Reload · PDF p.31 ↗

Day-care treatment

Verified in wordingDay Care Treatments at actuals up to Sum Insured.

Day-care treatment · C.1, Hospitalisation Treatment; Activ One MAX Product Benefit Table · PDF p.29; PDF p.46 ↗

Maternity

Explicit absence in wordingMaternity expenses are excluded except ectopic pregnancy and miscarriage caused by accident.

Maternity · D.1.18, Maternity Expenses · PDF p.13 ↗

AYUSH

Verified in wordingAYUSH in-patient/day-care treatment at actuals up to Sum Insured.

AYUSH · C.7, AYUSH Treatment; Activ One MAX Product Benefit Table · PDF p.30; PDF p.46 ↗

Pre- and post-hospitalization

Verified in wording90 days pre-hospitalization and 180 days post-hospitalization.

Pre- and post-hospitalization · C.2 and C.3; Activ One MAX Product Benefit Table · PDF p.30; PDF p.46 ↗

Zone pricing

Verified in wordingPremium uses three zones. Zone 1 is Delhi NCR, Mumbai/MMR and specified nearby districts; Zone 2 is Kolkata, Pune, Hyderabad, Chennai, Chandigarh tricity, Lucknow and Patna; Zone 3 is rest of India.

Zone pricing · E.2.13, Zone Classification; Activ One MAX Product Benefit Table · PDF p.26; PDF p.46 ↗

No-claim / renewal benefit

Not yet verifiedNot yet verifiedWhy this remains unverified: The wording does not establish a conventional claim-free NCB for MAX. It instead provides Super Credit irrespective of claims: 100% of Base SI per year, up to 500% and a maximum INR 3 crore under the benefit.

Related verified feature: No-claim / renewal benefit — related verified feature · C.11, Super Credit; Product Benefit Table · PDF p.31; PDF p.46 ↗

Sum insured options

Verified in wordingINR 2 lakh, 3 lakh, 4 lakh, 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore, 4 crore, 5 crore and 6 crore.

Sum insured options · Annexure III, Activ One MAX Product Benefit Table · PDF p.46 ↗

Values describe this cited wording version only. Check the policy schedule and current official wording; options and dates can change which term applies.

CHIHLIP27061V032627 — Care Health Insurance — Retail health indemnity; individual or family floater — Policy wording effective from: 29 Apr 2026 — source current as of 22 Jul 2026

Room rent

Verified in wordingBase benefit table states ‘No limit’. Optional Room Rent Modification can restrict eligibility to Single Private AC or Twin Sharing and then applies proportionate deductions to associated expenses.

Room rent · 3.1.1(ix), Coverage Parameters; 3.2.2, Room Rent Modification · PDF p.20 / printed p.19; PDF p.23 / printed p.22; PDF p.24 / printed p.23 ↗

ICU

Verified in wordingBase benefit table explicitly states ‘No limit’ for ICU charges.

ICU · 3.1.1(ix), Coverage Parameters · PDF p.20 / printed p.19 ↗

Co-payment

Verified in wordingNo fixed base percentage is established. Optional co-pay applies at the Schedule percentage to each claim; optional Smart Select adds 20% co-pay for treatment outside listed hospitals.

Co-payment · General Conditions; 3.2.1, Smart Select; 3.2.7, Co-payment · PDF p.15 / printed p.14; PDF p.23 / printed p.22; PDF p.26 / printed p.25 ↗

Pre-existing disease waiting period

Verified in wording36 months; optional reduction applies only when selected and shown in Schedule.

Pre-existing disease waiting period · 4.1(a)(i), Pre-existing Diseases; 3.2.3, PED Waiting Period Modification · PDF p.24 / printed p.23; PDF p.34 / printed p.33 ↗

Specified disease / procedure waiting period

Verified in wording24 months; accident exception; longer PED wait applies; optional reduction only if selected.

Specified disease / procedure waiting period · 4.1(a)(ii), Named Ailment Waiting Period; 3.2.4, Named Ailment Waiting Period Modification · PDF p.24 / printed p.23; PDF p.34 / printed p.33; PDF p.35 / printed p.34 ↗

Initial waiting period

Verified in wording30 days; accident claims excepted.

Initial waiting period · 4.1(a)(iii), 30-day Waiting Period · PDF p.36 / printed p.35 ↗

Treatment sub-limits

Verified in wordingThe advanced-technology treatment list in 3.1.1(iii) is payable up to sum insured; this does not establish that every treatment is uncapped.

Treatment sub-limits · 3.1.1(iii), Advanced Technology Methods · PDF p.16 / printed p.15 ↗

Restoration / recharge

Verified in wordingUp to Base Sum Insured, unlimited times per policy year, after Base Sum Insured plus applicable bonuses/Plus benefit are exhausted; available for same or different illness; unused amount does not carry forward.

Restoration / recharge · 3.1.4, Unlimited Automatic Recharge · PDF p.22 / printed p.21 ↗

Day-care treatment

Verified in wordingAll Day Care Treatments, up to sum insured.

Day-care treatment · 3.1.1(ii), Day Care Treatment · PDF p.16 / printed p.15 ↗

Maternity

Explicit absence in wordingMaternity expenses are permanently excluded except ectopic pregnancy and miscarriage caused by accident.

Maternity · 4.1, Permanent Exclusion 15 · PDF p.39 / printed p.38 ↗

AYUSH

Verified in wordingIn-patient AYUSH treatment in India up to sum insured, under the listed systems and a registered practitioner.

AYUSH · 3.1.1(vi), AYUSH Treatment · PDF p.18 / printed p.17 ↗

Pre- and post-hospitalization

Verified in wording60 days pre-hospitalization and 180 days post-hospitalization.

Pre- and post-hospitalization · 3.1.1(iv) and 3.1.1(v) · PDF p.17 / printed p.16; PDF p.18 / printed p.17 ↗

Zone pricing

Not yet verifiedNot yet verifiedWhy this remains unverified: The wording's premium illustration mentions Zone 1 but does not define a complete operational zone-pricing rule for the product.

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No-claim / renewal benefit

Verified in wordingCumulative Bonus increases 50% of Base Sum Insured per policy year, up to 100%; a claim does not stop accrual. Optional Cumulative Bonus Super raises this to 100% per year up to 500% when selected.

No-claim / renewal benefit · 3.1.3, Cumulative Bonus; 3.2.8, Cumulative Bonus Super · PDF p.20 / printed p.19; PDF p.21 / printed p.20; PDF p.27 / printed p.26 ↗

Sum insured options

Not yet verifiedNot yet verifiedWhy this remains unverified: The current wording defers the selected Base Sum Insured to the Schedule and does not enumerate the complete option set.

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Values describe this cited wording version only. Check the policy schedule and current official wording; options and dates can change which term applies.

GODHLIP25039V022425 — Digit Insurance — Retail health indemnity; individual or family floater; named Infinity Wallet plan — Official source date: Not yet verified — source current as of 22 Jul 2026

Room rent

Verified in wordingInfinity Wallet Plan: no restriction on room rent.

Room rent · 1.1, In-patient Hospitalization; Plan Chart · PDF p.12 / printed p.12; PDF p.64 / printed p.64 ↗

ICU

Verified in wordingICU is included among in-patient expenses payable as reasonable and customary charges up to the Schedule Sum Insured. The wording does not state a separate Infinity Wallet ICU cap.

ICU · 1.1, In-patient Hospitalization · PDF p.12 / printed p.12 ↗

Co-payment

Verified in wordingNo fixed plan-default percentage is established. Optional Network Hospital Discount: outside the selected PPN, Silver imposes 20% co-pay, Standard 15% co-pay, and Gold does not indemnify the hospitalization; exceptions include accidental/life-threatening hospitalization and capped ailments. Separately, address/zone mismatch can trigger 10% co-pay, except accident.

Co-payment · Optional Cover 2, Network Hospital Discount; 18, Zone-wise Classification · PDF p.23 / printed p.23; PDF p.24 / printed p.24; PDF p.53 / printed p.53 ↗

Pre-existing disease waiting period

Verified in wordingInfinity Wallet Plan: three years; optional waiting-period modification is available if selected in the Schedule.

Pre-existing disease waiting period · Standard Exclusion 1; Plan Chart · PDF p.43 / printed p.43; PDF p.67 / printed p.67 ↗

Specified disease / procedure waiting period

Verified in wordingInfinity Wallet Plan: two years; accident claims excepted; longer PED wait applies where relevant; optional modification is available.

Specified disease / procedure waiting period · Standard Exclusion 2; Plan Chart · PDF p.43 / printed p.43; PDF p.67 / printed p.67 ↗

Initial waiting period

Verified in wordingInfinity Wallet Plan: seven days; accident claims excepted. Optional modification may change the Schedule value.

Initial waiting period · Standard Exclusion 3; Plan Chart · PDF p.43 / printed p.43; PDF p.67 / printed p.67 ↗

Treatment sub-limits

Verified in wordingHyaluronic acid/Remicade-like medicines and specified injections: maximum 5% of SI. Listed new-age treatments: maximum 50% of SI unless Optional Advance Care is selected.

Treatment sub-limits · Specific Exclusion 34, Specific Treatments; 35, New Age Treatment · PDF p.48 / printed p.48 ↗

Restoration / recharge

Verified in wordingInfinity Wallet Plan: 100% backup Sum Insured with unlimited reinstatement in a policy period for related and unrelated illness. It is for later hospitalization; the first claim cannot use backup to cover an amount above base SI; each claim remains capped at base SI.

Restoration / recharge · Section 6, Sum Insured Back Up; Plan Chart · PDF p.21 / printed p.21; PDF p.65 / printed p.65 ↗

Day-care treatment

Verified in wordingDay Care Procedures up to Sum Insured for Infinity Wallet Plan.

Day-care treatment · 1.2, Day Care Procedures; Plan Chart · PDF p.12 / printed p.12; PDF p.64 / printed p.64 ↗

Maternity

Explicit absence in wordingIn-built Maternity Benefit Wallet is marked Not Applicable for Infinity Wallet Plan. Optional Maternity & Newborn Baby Cover is available if selected.

Maternity · Plan Chart, Sections IV and Optional Cover 9 · PDF p.65 / printed p.65; PDF p.66 / printed p.66 ↗

AYUSH

Verified in wordingAYUSH hospitalization up to Sum Insured for Infinity Wallet Plan, at qualifying AYUSH hospitals/day-care centres under the wording conditions.

AYUSH · 1.10, AYUSH Hospitalization; Plan Chart · PDF p.16 / printed p.16; PDF p.64 / printed p.64 ↗

Pre- and post-hospitalization

Verified in wordingInfinity Wallet Plan: 60 days pre-hospitalization and 180 days post-hospitalization.

Pre- and post-hospitalization · 1.3 and 1.4; Plan Chart · PDF p.13 / printed p.13; PDF p.64 / printed p.64 ↗

Zone pricing

Verified in wordingZone 1: Delhi/NCR, Mumbai including Navi Mumbai/Thane/Kalyan, Greater Hyderabad Area; Zone 2: rest of India. Address proof inconsistent with selected pricing zone can trigger 10% co-pay for higher-zone hospitalization; accident is excepted.

Zone pricing · 18, Zone-wise Classification · PDF p.53 / printed p.53 ↗

No-claim / renewal benefit

Verified in wordingInfinity Wallet Plan: 50% of Sum Insured per claim-free year, maximum 100%, or the Schedule-selected renewal-premium discount alternative. Infinite Cumulative Bonus is available only as an optional cover.

No-claim / renewal benefit · Cumulative Bonus/No Claim Discount; Plan Chart · PDF p.38 / printed p.38; PDF p.39 / printed p.39; PDF p.40 / printed p.40; PDF p.41 / printed p.41; PDF p.66 / printed p.66; PDF p.67 / printed p.67 ↗

Sum insured options

Verified in wordingUp to INR 3 crore for Infinity Wallet Plan. The wording does not enumerate every selectable amount, so no minimum or discrete option list is asserted.

Sum insured options · Plan Chart, Base Sum Insured Options · PDF p.64 / printed p.64 ↗

Values describe this cited wording version only. Check the policy schedule and current official wording; options and dates can change which term applies.

HDFHLIP26058V082526 — HDFC ERGO — Retail health indemnity; individual or family floater — Policy periods starting from: 2 Apr 2026 — source current as of 22 Jul 2026

Room rent

Verified in wordingOptima Secure: at actuals, subject to the Policy Schedule.

Room rent · B.1.1(a), In-patient Hospitalisation; Optima Secure benefit table · PDF p.11 / printed p.11; PDF p.61 / printed p.61 ↗

ICU

Verified in wordingOptima Secure: ICU/ICCU bed charges at actuals, subject to the Policy Schedule.

ICU · B.1.1(b), In-patient Hospitalisation; Optima Secure benefit table · PDF p.11 / printed p.11; PDF p.61 / printed p.61 ↗

Co-payment

Verified in wordingPremium-tier movement does not create a co-payment: treatment in a higher premium tier carries no co-payment. No general fixed co-pay percentage is established by the cited default-plan wording.

Co-payment · D.1.24, Premium Tier · PDF p.43 / printed p.43; PDF p.44 / printed p.44 ↗

Pre-existing disease waiting period

Verified in wording36 months of continuous coverage; applies afresh to enhanced sum insured; portability credit applies.

Pre-existing disease waiting period · C.1(a), Pre-existing Diseases · PDF p.30 / printed p.30; PDF p.31 / printed p.31 ↗

Specified disease / procedure waiting period

Verified in wording24 months; accident claims excepted; if also PED, the longer waiting period applies.

Specified disease / procedure waiting period · C.1(b), Specified disease/procedure waiting period · PDF p.31 / printed p.31; PDF p.32 / printed p.32 ↗

Initial waiting period

Verified in wording30 days from first policy commencement; accident claims excepted.

Initial waiting period · C.1(c), 30-day waiting period · PDF p.32 / printed p.32 ↗

Treatment sub-limits

Not yet verifiedNot yet verifiedWhy this remains unverified: The wording repeatedly defers limits/sublimits to the Policy Schedule; no complete default disease-wise cap table for Optima Secure was verified.

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Restoration / recharge

Verified in wording100% of base sum insured after partial or complete exhaustion; once per policy year unless the Schedule states unlimited; available for subsequent claims, including the same illness; unused restoration does not carry forward.

Restoration / recharge · B.2.6, Restore Benefit · PDF p.18 / printed p.18; PDF p.19 / printed p.19 ↗

Day-care treatment

Verified in wordingAll Day Care Treatments, up to sum insured for Optima Secure.

Day-care treatment · B.1.1.1(iv), Day Care Treatment; Optima Secure benefit table · PDF p.11 / printed p.11; PDF p.12 / printed p.12; PDF p.62 / printed p.62 ↗

Maternity

Explicit absence in wordingBase policy excludes childbirth-related treatment, except ectopic pregnancy, and miscarriage except when caused by accident.

Maternity · C.2(o), Maternity Expenses · PDF p.34 / printed p.34 ↗

AYUSH

Verified in wordingIn-patient AYUSH treatment up to sum insured for Optima Secure.

AYUSH · B.1.4, AYUSH Treatment; Optima Secure benefit table · PDF p.12 / printed p.12; PDF p.13 / printed p.13; PDF p.63 / printed p.63 ↗

Pre- and post-hospitalization

Verified in wording60 days pre-hospitalization and 180 days post-hospitalization.

Pre- and post-hospitalization · B.1.5 and B.1.6 · PDF p.13 / printed p.13; PDF p.63 / printed p.63 ↗

Zone pricing

Verified in wordingSix premium tiers are defined. Moving from a lower-priced tier to treatment in a higher tier does not create a co-payment.

Zone pricing · D.1.24, Premium Tier · PDF p.43 / printed p.43; PDF p.44 / printed p.44 ↗

No-claim / renewal benefit

Explicit absence in wordingCumulative Bonus is marked ‘Not Covered’ for Optima Secure. The separate Plus Benefit is not a claim-free NCB.

No-claim / renewal benefit · Optima Secure benefit table, Cumulative Bonus · PDF p.64 / printed p.64 ↗

Sum insured options

Verified in wordingINR 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore and 2 crore are enumerated in the wording table.

Sum insured options · B.3.2, Preventive Health Check-Up table · PDF p.30 / printed p.30 ↗

Values describe this cited wording version only. Check the policy schedule and current official wording; options and dates can change which term applies.

NBHHLIP27054V032627 — Niva Bupa — Retail health indemnity; individual or family floater; plan variant selected in Schedule — Official source date: Not yet verified — source current as of 22 Jul 2026

Room rent

Verified in wordingNo room-category limit is imposed by the base hospitalization clause; a room modification applies only if selected in the Schedule.

Room rent · 4.2.1, Hospitalisation; 4.21, Room Type Modification · PDF p.6 / printed p.6; PDF p.14 / printed p.14 ↗

ICU

Verified in wordingICU is payable up to Base Sum Insured even when a room-type modification is selected.

ICU · 4.21, Room Type Modification · PDF p.14 / printed p.14 ↗

Co-payment

Verified in wordingOptional. If selected, the percentage shown in the Schedule applies to each admissible claim; specified wellness/cash benefits are excluded from co-pay.

Co-payment · 4.19, Co-payment · PDF p.14 / printed p.14 ↗

Pre-existing disease waiting period

Verified in wording36 months; a Schedule-selected waiting-period modification may reduce it.

Pre-existing disease waiting period · 5.1.1, Pre-existing Diseases; 4.20, PED Waiting Period Modification · PDF p.14 / printed p.14; PDF p.15 / printed p.15 ↗

Specified disease / procedure waiting period

Verified in wording24 months; accident claims are covered from day one, cancer after the 30-day initial wait, and the longer PED wait applies where relevant.

Specified disease / procedure waiting period · 5.1.2, Specified disease/procedure waiting period · PDF p.15 / printed p.15 ↗

Initial waiting period

Verified in wording30 days; accident claims excepted.

Initial waiting period · 5.1.3, 30-day waiting period · PDF p.15 / printed p.15 ↗

Treatment sub-limits

Verified in wordingFor Base Sum Insured up to INR 10 lakh, cataract cover is restricted to a monofocal lens. No complete default disease-cap schedule is stated beyond this verified rule.

Treatment sub-limits · 4.2.1, Hospitalisation · PDF p.6 / printed p.6 ↗

Restoration / recharge

Verified in wordingVariant-dependent. ReAssure+ or ReAssureX is selected in the Schedule; first paid claim triggers the chosen feature and each eligible claim may receive up to Base Sum Insured, with unlimited future reinstatements under the stated variant rules.

Restoration / recharge · 4.7, ReAssure+; 4.8, ReAssureX · PDF p.7 / printed p.7; PDF p.8 / printed p.8; PDF p.9 / printed p.9 ↗

Day-care treatment

Verified in wordingHospitalisation cover admits eligible medical treatment with a minimum admission of two hours; AYUSH requires at least 24 hours. The wording does not provide a fabricated procedure count.

Day-care treatment · 4.2 and 4.2.1, Hospitalisation · PDF p.6 / printed p.6 ↗

Maternity

Explicit absence in wordingMaternity is excluded except ectopic pregnancy and miscarriage caused by accident.

Maternity · 5.1.16, Maternity Expenses · PDF p.17 / printed p.17 ↗

AYUSH

Verified in wordingAYUSH in-patient treatment is covered up to the Schedule sum insured; Yoga and Naturopathy require prior approval and admission is at least 24 hours.

AYUSH · 4.2.1, Hospitalisation · PDF p.6 / printed p.6 ↗

Pre- and post-hospitalization

Verified in wording60 days pre-hospitalization and 180 days post-hospitalization.

Pre- and post-hospitalization · 4.3, Pre and Post Hospitalisation · PDF p.6 / printed p.6 ↗

Zone pricing

Verified in wordingZone 1: Delhi NCR, Mumbai including Navi Mumbai/Thane, Kolkata and Gujarat; Zone 2: rest of India. Premium zone follows residence.

Zone pricing · 6.2.8, Geographical Classification · PDF p.27 / printed p.27 ↗

No-claim / renewal benefit

Not yet verifiedNot yet verifiedWhy this remains unverified: The wording does not establish a conventional claim-free NCB. It separately defines Booster+ as carry-forward of unused Base Sum Insured, with a Schedule-selected 3x/5x/10x ceiling.

Related verified feature: No-claim / renewal benefit — related verified feature · 4.9, Booster+ · PDF p.9 / printed p.9 ↗

Sum insured options

Not yet verifiedNot yet verifiedWhy this remains unverified: The current wording defers Base Sum Insured to the Schedule and does not enumerate the complete plan option set.

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Values describe this cited wording version only. Check the policy schedule and current official wording; options and dates can change which term applies.

SHAHLIP26044V092526 — Star Health — Retail health indemnity; individual or family floater — Official source date: Not yet verified — source current as of 22 Jul 2026

Room rent

Verified in wordingPrivate Single A/C room. If a higher room category is used, proportionate deductions apply to associated expenses.

Room rent · II.1(i), In-patient Hospitalisation · PDF p.9 / printed p.8 ↗

ICU

Verified in wordingICU expenses are included within in-patient hospitalization up to the policy sum insured; the cited clause states no separate numeric ICU sublimit.

ICU · II.1(iii), In-patient Hospitalisation · PDF p.9 / printed p.8 ↗

Co-payment

Verified in wording10% of each admissible claim for an insured who enters the policy at age 61 or above; not applicable where entry was before age 61 and renewals were continuous.

Co-payment · IV(I), Co-payment · PDF p.39 / printed p.38 ↗

Pre-existing disease waiting period

Verified in wording36 months. Optional Buy Back PED applies a 12-month wait when selected at first purchase.

Pre-existing disease waiting period · III.1, Pre-existing Diseases; II.25, Buy Back PED · PDF p.30 / printed p.29; PDF p.31 / printed p.30 ↗

Specified disease / procedure waiting period

Verified in wording24 months; accident claims excepted; if also PED, the longer waiting period applies.

Specified disease / procedure waiting period · III.2, Specified disease/procedure waiting period · PDF p.31 / printed p.30; PDF p.32 / printed p.31 ↗

Initial waiting period

Verified in wording30 days; accident claims excepted.

Initial waiting period · III.3, 30-day waiting period · PDF p.32 / printed p.31 ↗

Treatment sub-limits

Verified in wordingYes. Twelve modern treatments have sum-insured-specific caps in the table. Bariatric surgery is capped at INR 2.5 lakh for SI INR 5–15 lakh and INR 5 lakh for SI above INR 15 lakh.

Treatment sub-limits · II.4, Modern Treatment; II.15, Bariatric Surgery · PDF p.10 / printed p.9; PDF p.14 / printed p.13 ↗

Restoration / recharge

Verified in wording100% of Base Sum Insured once per policy period after Base Sum Insured and Cumulative Bonus are exhausted; for a subsequent hospitalization and available for the same disease.

Restoration / recharge · II.13, Automatic Restoration · PDF p.13 / printed p.12 ↗

Day-care treatment

Verified in wordingAll Day Care Treatments, up to sum insured.

Day-care treatment · II.2, Day Care Treatment · PDF p.9 / printed p.8 ↗

Maternity

Verified in wordingCovered after 24 months, maximum two deliveries lifetime. Delivery/newborn caps vary by SI: INR 5 lakh: 15k normal/20k C-section/1 lakh newborn; INR 7.5 lakh: 25k/40k/1 lakh; INR 10–25 lakh: 30k/50k/1 lakh; INR 50 lakh–1 crore: 50k/1 lakh/2 lakh.

Maternity · II.14, Delivery Expenses · PDF p.13 / printed p.12; PDF p.14 / printed p.13 ↗

AYUSH

Verified in wordingAYUSH in-patient treatment up to sum insured; Yoga and Naturopathy require prior approval.

AYUSH · II.3, AYUSH Treatment · PDF p.9 / printed p.8 ↗

Pre- and post-hospitalization

Verified in wording60 days pre-hospitalization and 90 days post-hospitalization.

Pre- and post-hospitalization · II.5 and II.6 · PDF p.11 / printed p.10 ↗

Zone pricing

Verified in wordingThe wording classifies locations into Zones A–E; it does not state a claim-time zone co-pay in the cited definition. Use the Schedule for the applied zone.

Zone pricing · I, Zone definitions · PDF p.8 / printed p.7; PDF p.9 / printed p.8 ↗

No-claim / renewal benefit

Verified in wordingFor SI INR 5 lakh: +50% after each claim-free year, max 100%. For SI INR 7.5 lakh and above: +100% after a claim-free year, max 100%. Claims reduce the bonus under the stated rules.

No-claim / renewal benefit · II.12, Cumulative Bonus · PDF p.12 / printed p.11; PDF p.13 / printed p.12 ↗

Sum insured options

Verified in wordingINR 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh and 1 crore.

Sum insured options · II.4, Modern Treatment limit table · PDF p.10 / printed p.9 ↗

Values describe this cited wording version only. Check the policy schedule and current official wording; options and dates can change which term applies.

TATHLIP26052V052526 — TATA AIG — Retail health indemnity; individual or family floater — Official source date: Not yet verified — source current as of 22 Jul 2026

Room rent

Not yet verifiedNot yet verifiedWhy this remains unverified: The current wording covers in-patient medical expenses but does not state a default room category or room-rent cap.

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ICU

Not yet verifiedNot yet verifiedWhy this remains unverified: The current wording does not state a separate default ICU limit.

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Co-payment

Not yet verifiedNot yet verifiedWhy this remains unverified: No plan-default co-payment percentage or trigger was verified in the current wording.

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Pre-existing disease waiting period

Verified in wording24 months of continuous coverage; enhancement applies afresh and portability credit applies.

Pre-existing disease waiting period · Section 3(i)(iii), Pre-existing Diseases Waiting Period · PDF p.36 / printed p.36 ↗

Specified disease / procedure waiting period

Verified in wording24 months; accident claims excepted; if also PED, the longer waiting period applies.

Specified disease / procedure waiting period · Section 3(i)(ii), Specified Disease/Procedure Waiting Period · PDF p.34 / printed p.34; PDF p.35 / printed p.35 ↗

Initial waiting period

Verified in wording30 days; accident claims excepted.

Initial waiting period · Section 3(i)(i), 30 Days Waiting Period · PDF p.34 / printed p.34 ↗

Treatment sub-limits

Not yet verifiedNot yet verifiedWhy this remains unverified: No complete plan-default treatment-sublimit table was verified. Individual benefits such as maternity and ambulance have their own stated caps.

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Restoration / recharge

Verified in wordingAutomatically restores Base Sum Insured once per policy year when Sum Insured plus Cumulative Bonus is insufficient. Subsequent unrelated illness is eligible; related illness is eligible after 45 days; not for the first claim; unused restoration does not carry forward.

Restoration / recharge · B7, Restore Benefit · PDF p.13 / printed p.13 ↗

Day-care treatment

Verified in wordingDay Care Treatment expenses are covered; ordinary outpatient treatment is excluded.

Day-care treatment · B4, Day Care Procedures · PDF p.12 / printed p.12 ↗

Maternity

Verified in wordingThree-year wait. SI up to INR 50 lakh: max INR 50,000, or INR 60,000 for a girl child. SI INR 75 lakh–3 crore: max INR 1 lakh, or INR 1.2 lakh for a girl child. Pre/post-natal and pre/post-hospitalization expenses are excluded from this benefit.

Maternity · B21, Maternity Cover · PDF p.20 / printed p.20 ↗

AYUSH

Verified in wordingAYUSH in-patient and day-care treatment; includes 60 days pre-hospitalization and 90 days post for SI up to INR 50 lakh, or 200 days post for SI INR 75 lakh–3 crore.

AYUSH · B8, AYUSH Benefit · PDF p.13 / printed p.13; PDF p.14 / printed p.14 ↗

Pre- and post-hospitalization

Verified in wording60 days pre-hospitalization. Post-hospitalization: 90 days for SI up to INR 50 lakh; 200 days for SI INR 75 lakh–3 crore.

Pre- and post-hospitalization · B2 and B3 · PDF p.11 / printed p.11 ↗

Zone pricing

Verified in wordingPremium zones A, B and C are defined. Premium uses the proposer/insured’s ordinary residence; where multiple addresses apply, the highest zone is used.

Zone pricing · Section 1(ii)(8), Zones · PDF p.10 / printed p.10; PDF p.11 / printed p.11 ↗

No-claim / renewal benefit

Verified in wordingSchedule selects one of two NCB options. For Cumulative Bonus: +50% after each claim-free year, max 100%; a claim reduces accrued bonus by 50%. The wording names a second renewal-premium-discount option but does not state its numeric rate.

No-claim / renewal benefit · B30, No Claim Bonus · PDF p.23 / printed p.23; PDF p.24 / printed p.24 ↗

Sum insured options

Not yet verifiedNot yet verifiedWhy this remains unverified: The wording evidences benefits for SI up to INR 50 lakh and for INR 75 lakh, 1 crore, 2 crore and 3 crore, but does not enumerate the complete lower-end option set.

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Values describe this cited wording version only. Check the policy schedule and current official wording; options and dates can change which term applies.