• Cumulative Bonus Booster

  With every claim-free year of a health insurance policy, you get a 50% bonus added to your sum insured with a max accumulation of 100%. Health Xtra gives you an additional bonus on top of this cumulative bonus up to 500% or 1000%. This means your financial coverage increases even more over time, helping you stay protected without paying more.

• Early Coverage for Chronic Conditions

  Health Xtra covers pre-existing conditions like Asthma, High Blood Pressure, Cholesterol, and Diabetes from the 31st day of your policy. You only need to complete an initial waiting period of 30 days and a medical evaluation with the company doctors.

• Critical Illness Booster

  If you are hospitalized due to a listed critical illness, Health Xtra doubles your Sum Insured for that treatment with a waiting period of 36 months. This extra support ensures you don't have to worry about high medical costs during serious health issues.

INCLUDED

• Hospitalisation Expenses

  Health Xtra covers hospital stays for 24 hours or more, including room charges, doctor fees, and medicines.

• Pre & Post Hospitalisation

  We take care of medical tests and doctor visits before and after your hospital stay.

• Restoration of Sum Insured

  Your full sum insured is restored if you use it once and need it again in the same year.

• Day Care Treatment

  The policy covers listed procedures that need less than 24 hours of hospital stay (like cataract surgery or dialysis).

• Organ Donor Expenses

  Medical expenses incurred for an organ donor’s surgery for the harvesting of the organ donated.

• Modern Treatments

  The coverage includes advanced treatments using new medical technology, as long as they are done in a hospital or a daycare.

• AYUSH Treatment

  Health Xtra covers hospital treatment under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.

• Home Healthcare

  Under the policy, you can avail of home care services up to 20% of the sum insured.

• OPD Treatment

  Health Xtra provides coverage for doctor visits and diagnostic tests outside the hospital for a 30% co-pay.

• Accidental Hospitalisation

  The plan provides extra 25% of SI coverage if you're hospitalised due to an accident.

• Patient Care (Above 60 Years)

  We cover the costs of a nurse at home for 10 days after discharge.

• Accompanying Person (Up to 12 Years)

  Receive a daily allowance for a parent or guardian staying with a hospitalised child.

• E-Opinion

  Get a second opinion for serious illnesses twice a year under the policy.

• Wellness Benefits

  The plan includes free health check-ups and rewards for staying healthy.

• Cumulative Bonus

  Your coverage increases by 50% every claim-free year, up to 100%.