MoneyLens / Health insurance
Your health cover, explained.
Tapti Health Plus · Tapti General Insurance Ltd
Illustrative
Health · Family floater · Policy held
Policy 10 Feb
Sum insured
₹5,00,000
+ ₹50,000 bonus
On an example bill
₹88,000
you pay, of ₹2,28,000
Room rent
₹5,000/day
other charges cut above it
Waiting until
10 Feb 2027
named illnesses and procedures
₹5,00,000 shared by You (41), Spouse (39), ₹21,800 a year. 4 conditions decide what's paid. On the example bill of ₹2,28,000, the policy would pay about ₹1,40,000. The insurer decides what's admissible on a real claim.
Myra's most important observations
People insured
one sum insured, shared- Arvind RaoYou, 41 · born 14 Mar 1985—
- Lakshmi RaoSpouse, 39 · born 2 Jul 1987HypothyroidismWaiting period to 10 Feb 2028
Myra keeps the names, dates of birth and declared conditions from your policy so it can answer questions about your own cover. They're stored encrypted and shown only to you. Invented names in this sample; in your own report, “Delete my details” removes them.
Cover
- KindFamily floater health policy
- Sum insured₹5,00,000
- Bonus so far₹50,000
- Available for claims₹5,50,000
- Premium₹21,800 · GST 0%
- This policy year10 Feb 2026 – 9 Feb 2027
- Insured without a break since10 Feb 2025
Limits
- Room rent₹5,000 a day
- ICU₹10,000 a day
- Proportionate cut above the room limitYes
- Cataract₹25,000 an eye
- Knee replacement₹1,50,000 a claim
Benefits
- Before and after the hospital stay60 days before, 90 days after
- Day-care proceduresCovered
- AYUSH treatmentCovered
- Treatment at homeNot stated
- ConsumablesNot paid
- RestorationFor any illness, 1×
- Bonus10% a claim-free year, up to 50%
Waiting periods
from 10 Feb 2025| First waiting period (illness, not accidents) | 30 days | 12 Mar 2025 | Over |
| Named illnesses and procedures | 24 months | 10 Feb 2027 | Running |
| Pre-existing diseases | 36 months | 10 Feb 2028 | Running |
| Moratorium | 60 months | 10 Feb 2030 | Not yet |
| Spouse, 39: a declared condition | 36 months | 10 Feb 2028 | Running |
Named in the policy: cataract, hernia, joint replacement, piles, gall stones.
Everything Myra read
25 terms| Term | Value | Source |
|---|---|---|
| Product name | Tapti Health Plus | Policy p.1 |
| Kind of policy | Family floater | Policy p.1, Schedule |
| Sum insured | ₹5,00,000 | Policy p.1, Schedule |
| Cumulative bonus so far | ₹50,000 | Policy p.1, Schedule |
| Bonus a claim-free year | 10% | CIS p.1, Cumulative bonus |
| Bonus up to | 50% | CIS p.1, Cumulative bonus |
| Restoration | For any illness | CIS p.1, Restoration |
| Restored up to | 1 | CIS p.1, Restoration |
| Premium, a year | ₹21,800 | Policy p.1, Premium |
| Premium paid | Yearly | Policy p.1 |
| Policy start date | 10 Feb 2026 | Policy p.1, Period of insurance |
| Policy end date | 9 Feb 2027 | Policy p.1, Period of insurance |
| Insured without a break since | 10 Feb 2025 | Policy p.1, Continuous coverage since |
| Room rent | Rupee limit | CIS p.1, Room rent |
| Room rent limit a day | ₹5,000 | CIS p.1, Room rent |
| ICU limit a day | ₹10,000 | CIS p.1, Room rent |
| Proportionate deduction | Yes | CIS p.2, Proportionate deduction |
| First waiting period | 30 days | CIS p.2, Waiting periods |
| Waiting period for named illnesses | 24 months | CIS p.2, Waiting periods |
| Waiting period for pre-existing diseases | 36 months | CIS p.2, Waiting periods |
| Days covered before admission | 60 days | CIS p.1, Coverage |
| Days covered after discharge | 90 days | CIS p.1, Coverage |
| Consumables paid | No | CIS p.3, Non-payable items |
| AYUSH treatment | Yes | CIS p.1, Coverage |
| Day-care procedures | Yes | CIS p.1, Coverage |