HEALTH · Individual Base HealthUIN: NOT_FILED_DEMO
Kavach Standard Individual Health
Standard individual hospitalisation cover with IRDAI-standard exclusions and defined room rent caps.
Source & Provenance Metadata (POL-02.T2)
Source Type
DEMO_SYNTHETIC
Wording Version
v1.0.0
Effective Date
2026-11-01
Public view: SHA-256 and internal upload actors are redacted. Full provenance accessible to authorized compliance administrators.
Coverage Terms & Conditions
Extracted terms cross-referenced with official section anchors (§).
| Term / Benefit | Defined Value | Section Citation | Evidence Status |
|---|---|---|---|
| Sum Insured | ₹5,00,000 | §-1 ↗ | DEMO_SYNTHETIC |
| Room Rent Limit | 2% of SI max ₹5,000/day [MKT] | §-2-1 ↗ | CONFIRMED |
| ICU Rent Limit | 5% of SI max ₹10,000/day | §-2-2 ↗ | CONFIRMED |
| Pre-Hospitalisation | 30 days | §-2-3 ↗ | CONFIRMED |
| Post-Hospitalisation | 60 days | §-2-3 ↗ | CONFIRMED |
| Pre-existing Waiting Period | 36 months | §-3-1 ↗ | CONFIRMED |
| Initial Waiting Period | 30 days (accidents exempt) | §-3-2 ↗ | CONFIRMED |
| Claims Notice Deadline | 48 hours in emergency / 72 hours prior planned | §-4-1 ↗ | CONFIRMED |
Have questions on this policy?
Ask Claim Ji to check room rent eligibility, hospitalisation waiting periods, or claim steps.