Hospital and Surgery Rider (H&S)

Hospital & Surgery rider is an additional coverage of comprehensive hospitalization and medical expenses on top of base life insurance policy.

H&S in not a standalone product so customers can only buy from plan 1-8 as a package together with saving products like Short Term Endowment, Education and Student Life Insurance.

It depends on the base plan Age Bracket. Only eligible age applicable under base plan will also be eligible for rider.

Yes. OPD benefit and hospitalization benefits will be offered separately as described in the benefit table.

No, old policy holders of base policy cannot buy product package.

Lower SA band of base plan cannot buy higher plan of H&S.