IDFC Arogya Supreme Health Insurance

Age

• The Arogya Supreme Health Insurance Policy can be bought by any permanent Indian resident aged between 18 to 65 years with lifetime renewal. Children can be included on floater basis from the age of 3 months

Tax Benefits

• Tax Deduction: Under Sec 80D

Waiting Period

• Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)
• Specified surgeries/treatments/diseases are covered after specific waiting period of 2 Year
• 90 days for specified disease and procedure
• Pre-existing diseases: Covered after 4 Years
• Covid-19 covered after 15 days

Hospital Benefits

• Hospital Cash Benefit: Rs 500; Rs 1000; Rs 2500; Rs 5000; for 5/10/15/45 Day
• Major Illness Benefit: Up to Sum Insured or Rs 25 Lakhs whichever lower
• Additional Sum Insured for Accidental Hospitalization: 1.5x or 2x of Base Sum Insured
• No Claim Bonus Protector: NCB Protector if claim less than Rs 50,000
• Enhanced Cumulative Bonus: As per plan opted

Specific Exclusions

• Cosmetic or Plastic Surgery
• Hazardous or Adventure Sports
• Investigation and Evaluation
• Maternity expenses
• Treatment taken outside India
• Outpatient treatment
• Stay in a hospital without undertaking any active regular treatment by the medical practitioner
• Experimental and unproven treatment.
• The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.

Copayment Deductibles

• Co-Payment: 10%/20% Co-payment Option available
• Deductible: Rs 10,000/Rs 25,000

Renewability and Coverage

• In-patient Hospitalization Treatment
• Mental Healthcare: Up to Sum Insured (Sub-limits applicable)
• HIV / AIDS Cover: Up to Sum Insured
• Genetic Disorder
• Internal Congenital Anomaly
• Bariatric Surgery Cover
• Cataract Treatment
• Pre-Hospitalization Cover: 30 days
• Post-Hospitalization Cover: 60 Days
• Domiciliary Hospitalization: Up to Sum Insured
• Day Care Treatment
• Road Ambulance
• Organ Donor Expenses
• Alternative Treatment / AYUSH: Up to Sum Insured
• Recovery Benefit
• Sum Insured Refill: Covered
• Preventive Health Check-up

Additional Benefits

• Any Room Upgrade: As per plan opted