Useful Information


TPA Information

Health Wise Floater


Health Wise is a health insurance policy for you and your family that aims at covering hospitalization medical expenses and other incidental expenses in case insured person gets hospitalized.


  • No Sub-limits, No room rent capping
  • No Medical Tests up to 45 Years
  • Get 5% discount on renewal premium for each claim free Year
  • Domiciliary Hospitalization expenses are also covered
  • Tax rebate available as per provision of Income Tax Rules under section 80-D


Room Rent Limit
No sub-limit on Room Rent
ICU Daily Rent Limit
No Limit
Pre-Hospitalization Expenses
60 days for Gold and Silver Plan. 30 days for Standard Plan
Post Hospitalization Expenses
90 daysfor Gold And silver Plan. 60 days for Standard Plan
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
171 day care procedures covered
Pre-Existing Disease / Illness coverage
After 2 continuous renewals under Gold and Silver Plan. After 4 continuous renewals
Waiting Period for New Policy
30 days
Free Health Checkup
1% of average sum insured for individual policies and upto 1.25% for floater covers, once at the end of a block of four consecutive years
Ambulance Expenses
For Gold Plan Upto Rs.1000/- , For Silver Plan Upto Rs.750/-, For Standard Plan Upto Rs.500/-
Daily Hospitalization Allowance
Under Gold Plan Rs.250 per day up to 7 days
Donor Expenses
Upto 50% of base sum assured subject to maximum of Rs 5 lakh
Attendant Allowance
For Gold Plan Rs.300/- per day for a maximum period of 5 days, For Silver Plan Rs.250/- per day for a maximum period of 5 days, For StandardRs.200/- per day for a maximum period of 5 days
Nursing Allowance
Rs.300 per day for a maximum period of 5 days under Gold Plan, Rs.250 per day for a maximum period of 5 days under Silver Plan
No Claim Discount
Up to 5% of base premium, Max 20%
No Claim Bonus
accidental death cover of 100000, for claim-free policy year