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Group Health Insurance Policy helps you pay for your medical expenses, ensuring you can afford the best quality of healthcare for you and your loved ones.
Key Feature
No medical check-up if you don't have any medical history:
Up to 65 years
Multiple coverages: Individual, Family Floater
Tax exemption: Under Sec 80D
Wide coverage: Rs. 1,00,000 to Rs. 5,00,000
Coverage
Our group health insurance covers:
Room and Boarding Charges
Doctor, Surgeon and Nursing Fees
ICU Charges
Cost of Medicines
Pre and post hospitalization expenses for 30 and 60 days respectively
Major Exclusion
Our group health insurance doesn't provide coverage for certain cases such as:
Pre-existing illnesses and diseases during the first 4 years of policy coverage.
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.
Treatment-related to pregnancy or childbirth.
less than 24 hours hospitalisation
Coverage for select Day Care Surgery with less than 24 hours hospitalisation for specified procedures.
60 days after the date of discharge
60 days after the date of discharge from the hospital or in case of domiciliary hospitalisation.
30 days prior to date of admission
30 days prior to date of admission into the hospital or in case of domiciliary hospitalisation .
1% of SI up to a max. of Rs. 1500
Ambulance charges – 1% of SI up to a max. of Rs.1500.
1%/day for normal room
Room boarding & Nursing charges (1%/day for normal room).
10% on all eligible admissible claims
Co-Payment on claims in non-network hospitals - 10% on all eligible admissible claims
20% of the Sum Insured or Rs.20000
Domiciliary Hospitalisation, subject to a maximum of 20% of the Sum Insured or Rs. 20000, whichever is less.
