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Arogya Top Up Policy! To help you get enhanced protection at a low premium so you can meet rising medical costs without burning a hole in your pocket.
Key Feature
No medical check-up if you don't have any medical history: till 55 years
141 Daycare expenses.
Comprehensive Coverage: Pre- and post- Hospitalization.
Wide coverage: Sum Insured from Rs 1,00,000 to Rs 50,00,000
IT exemption: Under Sec 80D
Coverage
Our Top-up Health Insurance covers:
Room rent, Doctor Fees, ICU charges, Nursing Costs
Drugs, medicines and consumables
Pre-hospitalization expenses up to 60 days for each hospitalization, Post-hospitalization expenses up to 90 days.
Day Care expenses for 141 daycare procedures.
Exclusion
Pre-existing diseases for the first 4 years
Specified conditions during the first year
Treatment taken outside India.
Outpatient department treatment.
Experimental treatment
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.
90 days for each
the maximum amount that Insurer will reimburse under this head is limited to 90 days for each of the admitted hosipitalisation
60 days for each
the maximum amount that Insurer will reimburse under this head is limited to 60 days for each of the admitted hosipitalisation
Actual ambulance expenses or INR 5000
Actual ambulance expenses or INR 5000 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
Insurer will reimburse expenses
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.
Insurer will cover reasonable and customary charges
Insurer will cover reasonable and customary charges towards maternity expenses during hospitalization over and above the deductible as opted.
Insurer will cover reasonable and customary charges
insurer will cover reasonable and customary charges towards domiciliary hospitalisation
