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Arogya Premier Policy is the ultimate health insurance plan that doesn't let you compromise on your health because of lack of money.This is exclusively designed to meet special healthcare requirements
Key Feature
No pre-policy medical test up to the age of 55 years for people with no medical history.
141 Day Care expenses covered.
AYUSH Cover
Cumulative Bonus: 10% of SI for each claim-free year, up to 50%
Coverage from Rs 10,00,000 to Rs 30,00,000.
Tax Deduction: Under Sec 80D
Reimbursement of health check up to Rs 5000 in case of no claim for 4 years
Coverage
This Health Insurance policy covers the following subject to the terms and conditions:
Our Health Insurance policy covers:
Your hospital room rent, boarding expenses and doctor fees
Operation Theatre and Intensive Care charges
Nursing expenses
Medicines that you consume during the hospital stay
Pre and Post hospitalization expenses up to 60 and 90 days respectively
Alternative treatment taken in accredited or recognized hospitals
Domiciliary hospitalization
Maternity Expenses.
Organ Donor Expenses.
Exclusion
We will not pay expenses in the following cases
Pre existing diseases from inception of the policy up to 4 years of this Policy being in force continuously.
Treatment of illnesses such as Ulcers, Tonsillectomy, Hernia, Cataract, Sinusitis, Gall Bladder Stones, Chronic Renal Failure during the first year of operation of the policy.
Treatment taken outside India
Outpatient treatment
Stay in a hospital without undertaking any active regular treatment by the medical practitioner
Experimental and unproven treatment.
90 days for each
the maximum amount that Insurer will reimburse under this head is limited to 90 days for each of the admitted hospitalization
60 days for each
the maximum amount that Insurer will reimburse under this head is limited to 60 days for each of the admitted hospitalization
Insurer shall pay for day care expenses
Insurer shall pay for day care expenses incurred on technological surgeries and procedures requiring less than 24 hours of hospitalisation up to the Sum Insured. Day care treatments are listed in annexure C of policy wording.
Actual ambulance expenses
Actual ambulance expenses including air ambulance or INR 1,00,000 whichever is lower will be reimbursed for per valid hospitalization claim for transferring insured to or between Hospitals in the Hospital's ambulance or in an ambulance provided by any ambulance service provider
reimburse expenses for alternative treatment
Insurer will reimburse expenses for alternative treatment taken in a government hospital or in any institute recognized by government and/or accredited by quality council of India/national accreditation board on health.
Not Covered
Not Covered
Not Covered
Not Covered
up expenses up to INR.5000/- per Insured
the Insurer will reimburse health check up expenses up to INR.5000/- per Insured, after each 4 consecutive claim free years of Policy renewed continuously. Entitlement of free health check up will be considered separately for each and every Insured. If claim is made by any of Insured in case of family floater cover, then the policy period will not be considered claim free for all of family members
rate of 10% of expiring Policy's Sum Insured
cumulative bonus will be allowed at the rate of 10% of expiring Policy's Sum Insured on every renewal of claim free policy. This cumulative bonus can be accumulated up to 50% and will get reduced by 10% in case of claim under the Policy. But accumulated cumulative bonus cannot be negative.
Sum Insured up to 100% of the basic sum Insured
the Insurer will reinstate the Sum Insured up to 100% of the basic sum Insured when the Sum Insured gets reduced due to claim
cover reasonable and customary charges
Insurer will cover reasonable and customary charges towards maternity expenses during hospitalization.
cover reasonable and customary charges
Insurer will cover reasonable and customary charges towards domiciliary hospitalization including pre and post hospitalization expenses.
