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Best For

Families and individuals looking for comprehensive health insurance with wellness ecosystem, modern treatment coverage and unlimited reset benefits

Hidden Clauses — Read Carefully

• Reset benefit does not apply to same illness relapse within 45 days
• Reset benefit does not trigger for first claim in policy year
• Guaranteed cumulative bonus usable only after base sum insured exhaustion
• Wellness points require minimum 400 points for redemption
• Wellness points expire after carry-forward duration
• Home care treatment through network provider preferred
• Air ambulance available only within India
• Transportation from hospital to residence not covered
• Wellness program terms may change as per regulatory framework

Best For

Families seeking high effective coverage with restoration and long-term hospitalization protection.

Hidden Clauses — Read Carefully

• Single claim cannot exceed Base Sum Insured plus applicable Plus Benefit plus Secure Benefit.
• Restore benefit subject to policy wording conditions.
• Plus Benefit credited only after completion of policy year.
• Home healthcare available only on cashless basis in select cities.
• Deductible variants can disable Protect, Restore and Plus-related benefits.
• Overseas treatment claims may work mainly on reimbursement basis.
• Portability continuity may not fully preserve planned overseas treatment waiting periods.

Best For

Home loan borrowers seeking bundled long-term property protection, critical illness, personal accident and EMI protection benefits.

Hidden Clauses — Read Carefully

• If 100% claim is paid under Major Medical Illness or Personal Accident section, corresponding linked section terminates
• Reducing balance sum insured applies for older ages and longer loan tenures
• Loss of Job benefit payable only once during policy period
• Claim must generally be reported within 30 days from date of loss
• Angioplasty covered only under Platinum 52 illness option
• EMI benefit applicable only for salaried insured persons