Yes, No Claim Bonus (NCB) is offered for not availing any claim. The bonus will be of 50%/25%/25% for a corresponding increase in the Sum Insured (SI) for 1st, 2nd and 3rd consecutive claim-free policy years respectively. Maximum bonus is given for up to 100% of the SI. Also, 50%/25%/25% and a corresponding decrease in SI per policy year are applicable if a claim has been paid, however, such decrease is only in SI accrued as NCB.