• from 5 to 55 years.
  
  
• Children below 5 years can be insured if the parents are concurrently insured with the company.
  

• Pre existing illness and injuries are covered in the ye
  
• Family discount of 5% applicable.
  
• Income tax exemption on premium paid unto Rs 10,000 under sec 80D of income tax act.

• from 91 days to 75 years.
  
• persons above the age of 55 yearsare covered as a part of family and not on individual basis.

• All in hospitalization expenses (period of stay in hospital should be more than 24hours).
  
• Pre hospitalization expenses are covered for a period of 30 days & post hospitalization for 60 days.
  
• Cummalative bonus of 15% to your sum assured for every claims free year.
  
• Pre existing illness and injuries are covered in the 6th year of cover, if the insured renews his policy consecutively for 5 years.
  
• 10% discount on total amount payable in case of insurance of 3 or more family members.
  
• Maternity treatment charges are covered upto the extent of Rs 20,000. these include expenses incurred in hospital/ nursing homes as in -patient in India.
  
• Income tax exemption on premium paid unto Rs 10,000 under sec 80d of income tax act.

Age

• from 3 to 50 years.
  
• Bhavishya Arogya is essentially to take care of medical expenses needs of persons in their old age.

• The policy provides for expenses in respect of hospitalisation and domiciliary hospitalisation during the period commencing from the Policy Retirement Age selected till survival. This is selected by the insured for the purpose of commencement of benefits in the policy.
  
• The pre-retirement period incepts from the date of acceptance of the proposal and ends with the policy retirement age during which the insured pays premium either in installments or as single premium.
  
• Amount: The sum insured ranges from Rs 50,000 onwards and the premium depends on the sum insured and the policy retirement age selected and mode of payment (single/installment).

• Between 5 - 80 years.
  
• Children between 3 months and 5 years can be covered provided one or both parents are also covered.

There are sections in the Income-Tax Act that exempt insurance premiums and maturity proceeds from taxes. They are:

Section 80C: Under this section, premium of up to Rs.1 Lakh can be claimed for tax deduction.

Section 10(10)D: This section specifies that maturity and death benefits are tax-free.

Section 80DD: Deduction of up to Rs.50,000 from gross total income in respect of medical treatment or premium paid towards a life insurance policy taken for the benefit of handicapped dependent.

Frequently Asked Questions 

Insure What?

Expenses incurred by the insured for domiciliary hospitalisation and hospitalisation for illness / diseases or injury sustained. These include Hospital charges ( Room & Boarding theatre ) fees for surgeon, Anaesthetist Nursing, specialist etc., diagnostic tests, Medicine expenses , blood, oxygen etc., cost of appliances like pacemaker, artificial limbs etc., 

What Risks are insured ? 

Illness or disease, accidental injury sustained leading to one or more of type of expenses listed above.