Inclusions

• Construct - Benefits Sum Insured 
• In-patient Care with Day Care treatment for injury or illness (For Emergency Care) including COVID19 INR 4,00,000 
• Outpatient medical expenses for illness or injury  INR 25,000 
• Repatriation of Mortal Remains INR 15,000 
• Bounced Booking (Book alternate accommodation up to Rs.20,000 in case the hotel denies accommodation for a confirmed booking) INR 20,000 
• Emergency Hotel Accommodation for immediate family member in case the insured is hospitalized INR 10,000 
• Home Burglary (Except Cash and Jewelry) INR 1,50,000 
• Hotel Cancellation charges if insured cancels the booking due to any illness for self, immediate family members, government imposed travel restrictions or natural calamities  INR 10,000 
• Cost of return travel due to trip interruption  INR 10,000 
• Medical Evacuation  INR 15,000 
• Loss of baggage and personal effects during trip  INR 30,000 
• Loss of Laptop/ Tablet  INR 20,000 
• Personal Accident (Accidental Death & Permanent Total Disability)  INR 10,00,000 

• •Emergency Care means management for an illness or injury which results in symptoms which occur suddenly and unexpectedly, and requires immediate care by a medical practitioner to prevent death or serious long term impairment of the insured person’s health
• •Only covid confirmed moderate to severe symptoms for emergency care are covered

Exclusions

• The insurance cover is not valid for customers who are:  
• •Recommended quarantine at the time of enrolment in this policy
• •Immunocompromised. Immunocompromised Persons include Persons who have undergone Hospitalization, surgery or Day Care procedure(s) within 90 days immediately preceding the Certificate Period Start Date 
• •Living with or sharing the same address as that of person(s) who is Diagnosed with COVID-19 or Quarantined at the time of purchase of this policy. 
• •Customers who have travelled to the travel-restricted countries specified by the Central Government or Union Health Ministry of India in 45 days immediately preceding the policy Start Date. 
• •Treatment received outside India, unless specified in the Policy. 
• •Any form of Alternative Treatment, unless opted under the Policy.

The insurance policy does not cover treatment for pre-existing diseases/ conditions or Testing done at a Diagnostic center other than the ones authorized by the Union Health Ministry of India