Health Essential
A fictional plan to help you understand the questions that matter. No actual insurance product, policy or price is offered here.
Reference information only. Plans and prices are fictional; results are not insurer decisions or guarantees of acceptance. Use fictional personal and medical details.
Age, individual risk, actual policy terms and insurer assessment can affect a real quote. This illustration is not an offer.
What to check first
- Any condition-specific waiting period or exclusion
- Whether therapy and device benefits require hospitalization
- Your share of an admissible claim
- Actual hospital accessibility and cashless authorisation
Illustrative benefits & limitations
- Illustrative annual premium
- ₹7,200
- Sum insured
- ₹5,00,000
- Age eligibility
- 3–65 years
- Pre-existing condition terms
- Illustrative assessment required; specified conditions may have a waiting period or exclusion. Read wording.
- Illustrative waiting period
- 12 months; benefit-specific waits require wording review
- Hospitalization
- Illustrative covered inpatient treatment up to sum insured, subject to limits
- Rehabilitation
- Not specified
- Physiotherapy
- Not specified
- Assistive devices
- Not specified
- Mental healthcare
- Illustrative inpatient provision subject to policy terms; outpatient support not specified
- Home healthcare
- Not specified
- Caregiver benefits
- Not specified
- Verified cashless network
- Not specified
- Co-payment
- Illustrative 10% of admissible claim
- Deductible
- ₹5,000
- Exclusions
- Benefits not expressly listed in wording; Routine device maintenance and replacements; Unprescribed therapy or non-medical support; Costs during applicable waiting periods
- Renewal
- Illustrative annual renewal, subject to terms; no actual policy issued
- Underwriting
- Individual medical and financial information may be requested; this reference makes no underwriting decision
policy wording
This illustration pays no claims and creates no insurance contract. Listed limits illustrates policy comparison. Benefits described as post-hospital apply only after an illustrative covered admission; routine outpatient care and unlisted support are not included. “Not specified” means there is no information to establish a benefit. Individual assessment may be required; no disability type or percentage automatically determines acceptance.
Before purchasing real insurance, read the insurer’s complete wording, schedule and endorsements. Obtain written answers for your individual needs.