M y: H ealth Medisure Classic Insurance The my: health Medisure Classic Insurance Plan offers comprehensive coverage against planned and unplanned hospitalisation expenses. The policy covers in - patient treatment, pre - hospitalisation expenses, post - hospitalisation expenses, day care procedures, etc. Unique Features of my: health Medisure Classic Insurance Plan • Affordable premiums • Can raise cashless claims at network hospitals • 5% cumulative bonus is offered at the completion of each claim - free policy year • Insurer offers lifetime renewability • Tax benefits can be availed under Section 80D of the Income Tax Act, 1961 • Optional covers can be availed by paying an additional premium • A health check - up, which amounts to 1% of the sum insured e xcluding the Cumulative Bonus, can be availed at the end of 4 claim - free policy years • Policy covers in - patient hospitalisation expenses, pre and post - hospitalisation expenses, day care procedures, domiciliary hospitalisation, hospitalisation due to an acci dent, maternity and new - born baby benefits, Ayurvedic treatments, and pre - existing diseases after the waiting period. Plan Details Policy term 1 or 2 years Entry Age • Adults: 18 years of age • Children: 3 months (provided either of the parents is covered under this plan) Plan Basis Individual or floater Sum Insured Range • Individual Policies: Rs.1 lakh to Rs.5 lakh • Floater Policies: Rs.2 lakh to Rs.5 lakh Premium Premium will vary based on one’s age, sum insured, policy term, etc. Co - Payment 10% co - pay for individuals over 80 years of age Waiting Period Pre - existing diseases will be covered after 36 months of coverage Cumulative Bonus Cumulative bonus of 5% is offered for each claim - free year, subject to a maximum cumulative bonus of 50% Discounts • Cumulative Bonus • Two - year policy discount • Family discount