Under the silver plan, there are two options of insuring a sum of 1.5 lakhs or 2 lakhs. This plan covers In-patient hospitalization for accidental body injury or illness and room rent and Boarding expenses for this plan is Up to 1% of sum Insured per day. Road ambulance charge is also covered with this plan. Organ donor expenses and bariatric surgery cover are other benefits covered under this plan.

Under the health guard gold plan, there are around 13 options of sum insured available that starts from 3 lakhs and goes upto 50 lakhs. For In-patient hospitalization under this plan when the sum Insured is 3 lakhs to 7.5 lakhs the maximum eligible room is a single private air conditioned room. When the sum insured is 10 lakhs and above, one is eligible for any room category. Along with road ambulance, organ donor expenses and bariatric surgery cover, ayurvedic & homeopathic expenses are also included.

The sum insured for platinum plan starts from 5 lakhs and goes upto 1 crore. The plan covers In-patient hospitalization under any room category. It covers road ambulance, organ donor expenses, bariatric surgery, ayurvedic & homeopathic expenses. Super cumulative bonus is available exclusively for platinum members. Under this when the plan is renewed every year and no claims are made in the preceding year the limit of Indemnity increases by 50% of base Sum Insured per annum for the first 2 years and later increases by 10% of base Sum Insured per annum for next 5 years.

Under this plan the entire cost of treatment upto the sum insured is covered by the insurer. This policy has zero restrictions about room rent, hence you can pick any room you want during hospitalization. The waiting period is only 2 years in the case of any pre-existing diseases. The pre and post hospitalization expenses are covered here. Day care treatments, maternity health insurance, alternative medicines like ayurveda and homeopathy are also covered. Additionally, free health care check-ups are provided every year.

This plan has no co-payment, hence the insurer pays the bill of the treatments upto the sum insured. The plan doesn't impose disease wise sub-limits. A duration of 60 days pre-hospitalization and 90 days post-hospitalization, including the cost of medication is covered here. It has 100% of cover restoration in the same year. Free health check-ups, day care treatments, short waiting periods for pre-existing diseases are some of the other perks in this plan.

A fairly expensive policy that has no copayment and no room rent limit letting you have a room of your choice. Covers alternative medicines like Ayurveda and Homeopathy too. Also provide free health check-ups each year and free doctor consultations upto Rs.17,500 annually. It has a short waiting period of 2 years to cover any pre-existing diseases. It also covers pre and post hospitalization charges including the cost of medication.

The silver health plan covers individuals who are above 46 years. The waiting period for pre-existing diseases like diabetes is one year. There is no room rent limit in case of hospitalization. For each claim free year the sum insured increases by 10%. Day care treatments that require less than 24 hours of hospitalization like dialysis, chemotherapy is also covered.