1) Why should you take this plan?


  • It is a perfect solution to cover you against the financial impact of various illnesses and recovery process
  • As a part of overall benefits package for your group
  • Covers both Employer-Employee & Affinity groups


2) How this plan fulfils your Requirement?


  • One Year Renewable Term: This is a One Year Fixed Benefit Group Health Plan which is renewable on yearly basis
  • Simplified Procedures: Procedures are hassle free and less cumbersome. Insurance cover can be availed by all eligible members of the scheme with one policy document issued to the Master Policyholder
  • Option to cover Family Members: Group members can choose to avail additional cover for their Family Members under the existing Master Policy
  • Option to cover up to 3 diseases under a single plan : You can choose to avail a cover against the impact of 3 diseases under single policy



Age at Entry

Child: 91 days- 17 years as on last birthday

Adult: 18 years- 65 years as on last birthday

Policy Term

1 Year Renewable Group product

Group Size

Minimum- 50 , no upper limit

Sum Assured 

Minimum–  10,000 per life
Maximum–  50,000 per life

Premium Payment Modes

Annual, Semi-annual & Quarterly



  • Flexible Sum Insured options as per the group need
  • 4 cover combinations to choose from:
  • Option-I: Dengue Shield
  • Option-II: Dengue & Chikungunya Shield
  • Option-III: Dengue & Severe Malaria Shield
  • Option-IV: Dengue, Chikungunya & Severe Malaria Shield
  • Option to cover Family members
  • No Individual medical underwriting
  • One Master policy covers the entire group providing administrative convenience
  • Tax benefits as applicable
  • Waiting period of 15 days from the date of commencement of membership

Benefits Payable -

This is a Traditional Fixed Benefit One Year Renewable Group Health product. The product provides 100% of the Sum Insured on the diagnosis of various illnesses (as mentioned above) as per the coverage options chosen and on meeting all of the following basic conditions:


  • Attending Independent Medical Practitioner’s certification for diagnosis of respective illness (as defined along with claim eligibility conditions) as per the chosen coverage option and
  • At least 48 consecutive hours of hospitalization that is Medically Necessary for the treatment of the respective illness

During each policy year, a maximum of 1 claim per life per illness shall be payable (i.e. one claim each of Dengue Fever, Chikungunya or Severe Malaria) subject to a Separation Period (as defined). It is clarified that for each illness the benefit is payable only once during the policy year i.e. benefit is not payable for relapse of the illness (or for any other reason) within a policy year. No benefit can be carried forward to the next policy year

No benefit will be payable in any of the following:

  • Any Treatment other than for Dengue Fever or Chikungunya or Severe Malaria
  • Severity criteria as defined in the claim eligibility conditions not met
  • Diagnosis and Treatment outside India
  • Any claim arising due to diagnosis of Dengue Fever or Chikungunya or Severe Malaria during the waiting period of 15 days from the date of commencement of membership
  • There is no maturity benefit payable under this product