Cashless abroad treatment for 9 critical illness.
Coverage up to 1 Crore sum insured.*
Emergency evacuation (Air ambulance) available in India.
Emergency evacuation and stabilization up to SI when outside India.*
Emergency ambulance is covered up to SI for all network hospital treatment.
Maternity benefit is available after 2 years (Maximum up to 2 Lakhs).
Newborn baby is covered from day 1 till policy year end without any extra premium.
Vaccination for the baby is covered till 12 years.*
Loyalty addition,10% increase of SI (Max. up to 100%).
OPD benefit is available from 15k - 50k as per policy SI.*
Adult Entry age 18. Max entry age no limit. Child - 1 day - 21 years.
Cashless approval in the hospital within 30 min (No Third Party -TPA involvement).
All day care procedures are covered (we don’t have a list of Daycare).
Inpatient benefit covered up to SI. Any type of room is allowed for platinum customers.
Preventive annual complimentary health check-up ( Up to 5000/- as per SI).
60 days pre & 90 days post hospitalization covered up to SI.

Coverage up to 1 Crore sum insured.
No sub-limit on room rent in any variant. Any room type is allowed (except suite & above category).
100% refill benefit, even if you have exhausted partial / full base SI (except Family First).
Every claim free year adds up 20% of SI as bonus. Maximum up to 100% of base SI.
Accumulated bonus does not reduce even after claims (Unique).
AYUSH treatment covered. Pre & post hospitalization also covered for the same.
Ambulance up to Rs. 3000/- per hospitalization.
Vaccination for an animal bite (between 5000/- 7500/- as per SI).
Adult entry age is 18, max entry age no limit. Child- 91 days to 21yrs, Up to 2 A + 4 child.
Cashless approval in the hospital within 30 min (No Third Party - TPA involvement).
All Day Care procedures are covered (we don’t have a list of day care).
Inpatient benefit covered up to SI.
Customers get an annual complimentary health check-up in variant 2, 3 and Family First. Once in two years for variant 1.

HA covers three different benefits - AccidentCare, CritiCare & HospiCash

Accident Care covers:

Accidental death benefits up to 100% of chosen sum assured ( 5 Lakhs to 5 Crore).
Accidental permanent total disability (PTD) - 125% of chosen sum assured.
Accidental permanent partial disability (PPD) - 1% to 100% of sum assured.
Child education benefit up to Rs. 5 Lakhs per child ( Max. 2 children).
Funeral expenses covered up to Rs. 5,000/- or Rs. 5,00,000/- depending on chosen SA.
(Optional) Temporary total disability (TTD) - % of TTD Sum Insured (10 Lakhs & 20 Lakhs) payable per week. Such weekly payout shall be made for a maximum of 100 weeks.
(Optional) Accidental Hospitalization ( 2% of AccidentCare sum assured).

CritiCare covers:

Covers 20 critical illness.
SA option available from 3 Lakhs to 2 Crores.
Payment option 1 ( lumpsum payment up to 100% of SA), option 2 (Lumpsum equal to 100% of sum insured + staggered payout equal to 10% of sum insured p.a. subsequently as income for 5 years.

Hospicash:

Daily cash benefit up to (Rs. 1000 / 2000 / 3000 / 4000) max up to 45 days of hospitalization.

Coverage from 7.5 Lakhs to 25 Lakhs.
Inpatient benefit covered up to SI.
AYUSH treatment covered. Pre & post hospitalization also covered for the same.
No Sublimit on room rent, single private room eligibility as room type.
Pre & post hospitalization covered for 60 and 90 days respectively & covered up to sum insured.
Loyalty bonus will be added by 5% every year, maximum up to 50% of base SI, irrespective of claim status.
536 daycare procedures are covered.
Ambulance up to Rs. 1500/- per hospitalization.
Adult entry age 18, max entry age 65 years. Child - 91 days to 25 years, up to 2 A + 4 child.
Cashless approval in the hospital within 30 min (No Third Party - TPA involvement).
Unlimited e-consultation for normal day to day illnesses.
Organ transplant covered up to sum insured.
(Optional) Personal accident cover provides 100% SA on accidental death & 125% of SA on accidental total permanent disability.
(Optional) Critical illness cover provides 100% of SA on the diagnosis of disease out of 20 critical illness.
Option to convert in a normal policy after 5 yrs or age 50.

Coverage up to 25 Lakhs.
Advantage - 10% spot discount in premium for a lifetime if insured’s age is less than or equal to 35 years.
OPD coverage up to 10 consultations per year.
Health coach option to cater your daily health needs (Get up to 20% discount at renewal)*.
10% increase in your base SI for a lifetime with nominal cost irrespective of the claim.
Inpatient and daycare coverage up to SI.
Pre (90 days) & Post (180 days) hospitalization expenses coverage.
Home health care facility post hospitalization.
Behavioral assistance program - Covers 3 free counseling sessions per adult per policy year through telephonic mode. (+91 72900 44777).
100% refill benefit, even if you have exhausted partial / full base SI.
Annual health check-up, irrespective of claim from day 1 of policy.
Get a free second medical opinion from our specialist.
Optional personal accident cover for 25 Lakhs / 50 Laksh covering accidental death & disability.
Pharmacy and diagnostic services on click of a button through our service provider.

Reach to your nearby KVB Branch to know more.

*Conditions apply