Plans I recommend to families
Tap “Benefits explained” on any plan to see what each benefit means in simple words.
ReAssure 2.0
Nothing Seems Impossible
Best for: families wanting long-term, flexible coverA comprehensive plan designed so your cover is not used up: it can be restored after a claim, and unused cover is carried forward.
- Lock the Clock: pay as per entry age until you claim
- ReAssure Forever: unlimited times after the 1st claim
- Booster+: carry forward unused sum insured
- Safeguard+: non-payables covered
- Live Healthy: up to 30% renewal discount on step count
Benefits explained
- Lock the Clock
- Your premium stays based on the age you joined, until you make a claim. You save as you age.
- ReAssure Forever
- Switches on after your first claim and restores your sum insured, unlimited times and forever.
- Booster+
- Unused sum insured is carried forward, so you don’t lose what you don’t use.
- Safeguard+
- Covers non-payable items that are normally paid out of pocket.
- Live Healthy
- Up to 30% discount on renewal premium, based on your step count.
ReAssure 3.0
Go Limitless: unlimited coverage.
Best for: families wanting maximum, flexible coverThe ReAssure 3.0 plan, positioned around an unlimited coverage option and flexible choices on waiting periods.
- Unlimited Sum Insured option
- Flexible waiting-period options
- Day 1 pre-existing disease cover (applicable options)
Benefits explained
- Unlimited Sum Insured
- An option where cover is not capped at a fixed amount, so you never worry about running out.
- Flexible waiting periods
- Choose the option that suits you, including options with shorter waiting periods.
- Day 1 pre-existing disease cover
- Available in applicable options, so existing conditions can be covered from the start.
Aspire
Start Young
Best for: young adults, newlyweds and couples planning a familyA plan that rewards you for starting young, with benefits around maternity, fertility and long-term cover.
- M-iracle: maternity, IVF, adoption, surrogacy
- Lock the Clock+ and Booster+ (carry forward up to 10X)
- Cash-Bag: cashback on every claim-free year
- Fast Forward and Borderless (treatment anywhere in the world)
Benefits explained
- M-iracle
- Covers expenses around maternity, IVF, adoption, surrogacy and more. The balance sum insured can be carried forward up to 10X.
- Lock the Clock+
- Pay as per your entry age until you claim. An M-iracle claim does not affect the age lock.
- Booster+
- Unused sum insured is carried forward, up to 10X.
- Cash-Bag
- Cashback on every claim-free year, usable towards premiums, deductible, co-payment and OPD.
- Fast Forward
- Don’t wait for what you’ve paid: bring the future base sum insured and M-iracle sum insured forward.
- Borderless
- Get treatment anywhere in the world.
Senior First
A Promise of Love
Best for: senior citizens and parentsHealth protection designed with senior citizens in mind, with fewer restrictions on common conditions and a yearly health check-up.
- ReAssure Benefit: unlimited, after the 1st claim
- Day 1 Health Check-up
- No sub-limits on common conditions like cataract and joint replacement
- No mandatory pre-issuance medical tests
- Safeguard (add-on) and Annual Aggregate Deductible option
Benefits explained
- ReAssure Benefit
- Triggers after the first claim and is unlimited. Each claim is equal to the base sum insured.
- Day 1 Health Check-up
- Annual health check-up available from day 1.
- No sub-limits
- No sub-limits on common conditions such as cataract, joint replacements, cancer and more.
- Safeguard (add-on)
- Go truly cashless with cover even for non-payable items like gloves and masks.
- Annual Aggregate Deductible
- If a deductible is opted, co-payment will not apply.
Health Recharge
Super Top-up Plan
Best for: people who already have a base policy and want higher cover affordablyA super top-up that adds cover on top of your existing policy. It starts paying once your claims in a year go beyond the deductible you choose.
- Cover up to ₹95 lacs
- Pre & post hospitalisation and day care covered
- Unlimited tele / online consultations
- Easy convertibility to an indemnity policy after 5 years
Benefits explained
- Super top-up
- Works above the selected deductible, adding extra protection for large medical bills.
- Coverage
- Up to ₹95 lacs.
- Pre & post hospitalisation
- Medical expenses before and after hospitalisation covered up to the sum insured.
- e-Consultation
- Unlimited tele / online consultations.
- Pharmacy & diagnostics
- Available through empanelled service providers.
- Day care treatments
- Covered for all day care treatments up to the sum insured.
- Easy convertibility
- Convert to an indemnity policy (without deductible) after 5 years.
Benefits, waiting periods, exclusions and premiums depend on the plan variant and policy terms, and some benefits are optional add-ons. Please read the sales brochure and policy wording before buying. Call or WhatsApp for a recommendation based on your family. Insurance is the subject matter of solicitation. [IRDAI disclaimer placeholder]