Enhanced Cataract Limit Rider

Enhanced Cataract Benefit Rider

The Enhanced Cataract Benefit Rider provides additional financial protection for cataract treatment by offering coverage over and above the cataract limits available under the base health insurance policy. It helps ensure access to quality eye care while reducing out-of-pocket expenses.

Key Highlights

• Provides an additional benefit for cataract treatment over and above the base policy limit.
• Available exclusively for policies with a Sum Insured of ₹25 Lakhs and above.
• Applicable under:
  • New India Mediclaim Policy (UPLIFT Plan).
  • New India Floater Mediclaim Policy (UPLIFT Plan).

Benefit Table (Per Eye)

Eligibility & Waiting Period

• Waiting Period: 12 months from the date of opting for the rider.
• Entry Age: Same as the entry age applicable under the Base Policy.

Important Terms

• Opting for the Rider: The rider can be added or removed only at the inception or renewal of the Base Policy. It cannot be added during the policy period except for the mid-term inclusion of a newly wedded spouse or a newborn baby, subject to payment of the applicable pro-rata premium.
• Cancellation & Refunds: The rider cannot be cancelled independently. Cancellation and premium refund, if applicable, will be governed by the terms and conditions of the Base Policy.
• Exclusions: All standard exclusions, terms and conditions of the Base Policy shall apply unless specifically modified under this rider. Coverage is limited to the actual expenses incurred, subject to the applicable maximum benefit.

UIN Number: NIAHLIA27003V012627