Health Insurance Coverage

Health Insurance Features

Features and Benefits of Individual Health Insurance Policy

Who can be insured under this Health Insurance Coverage Policy?    

     - Self, Spouse and dependant parents up to the age of 50 years
     - Dependent Children (unmarried children, between 91 days & 18 years)
     - Renewals will be up to the age of 70 years
     - In case a person has a pre-existing disease, the customer will be asked to contact the nearest branch office for buying the policy.

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- Complete Health Insurance package for the entire family including the spouse,
       and dependent children (above 90 days) & dependent parents upto the age
       of 50 years
     - No Medical examination
     - Pre and Post Hospitalization cover up to 30 days prior and 60 days respectively.
     - Coverage for Pre-existing diseases after4 consecutive years of insurance
     - Cashless facility (in morethan 3000 hospital across the country)
     - 24-hour help line number           
     - Ambulance referral facilities 
     - Online access to medical and claims information
     - Online storage of medical records (with uploading facility)
     - Reimbursement of Healthcheck up cost upto Rs.750 per insured person after
       5 claim free years of insurance
     - Lumpsum payment of 2% of Sum Insured  if hospitalization exceeds 15 consecutive
       days and where liability is admitted for hospitalization
     - Income tax exemption under Section 80 D up to Rs.15, 000/-
     - Family Discount of 10% for covering 3 or more family members under
       a single policy.

     - Room, Boarding Expenses as charged by the Hospital/Nursing Home subject to
       a limit of 1.5% and for Intensive Care Unit 3% of the Sum Insured per day.
    - Surgeon, Anaesthetist, Medical Practioner, Consultants & Specialists Fees are
      subject to a limit of 40% of the Sum Insured
    - Nursing Expenses during hospitalization
    - Anaesthesia, Blood, Oxygen, Operation Theatre Charges,  Medicines and Drugs,
      Diagnostic Materials and X-ray,  Dialysis, Chemotherapy Radiotherapy, Donors
      medical expenses towards Organ transplant, Cost of Pacemaker, Artificial Limbs, Cost of Organs.

    - Pre-Existing Condition means any condition, ailment or injury or related condition(s)
       for which you had signs or symptoms and/or were diagnosed and/or
       received medical advice/ treatment, within 48 months prior to your first Policy
       with us
    - Pre Existing Diseases shall however be covered after 4 years of consecutive
      insurance with us.