Assistant · v2.3

Ask anything about your policy

Cited from your actual policy document, not marketing copy. Ask about coverage, sub-limits, waiting periods, or a planned treatment.

Is my dad's cataract covered? He's 67.

AssistantYes. Cataract surgery is covered for your father, with a Rs 40,000 per-eye sub-limit under § Sec 3.2(d). The 2-year waiting period is satisfied.

What about premium IOL lenses?

AssistantThe base benefit covers monofocal IOL. Multifocal or toric premium lenses are paid out-of-pocket. Typical upgrade cost is Rs 35,000 to Rs 85,000 per eye. § Exclusions B-12

Suggested follow-ups

Cited from your policy

Sec 3.2(d)Day-care procedures and sub-limits

Sec 5.4Specific waiting periods

Exclusions B-12Premium implants and lenses

Sec 6IRDAI non-payable items

This assistant does not approve claims, diagnose conditions, or invent numbers. Coverage answers cite a policy clause, hospital tariff, or claim rule.

Did you know?

You have Rs 38,200 in unused OPD benefits this year.