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This Policy Covers Basic Medical Needs And Provides Financial Help In Times Of Emergency For You And Your Loved Ones.
Health Insurance To Keep You And Your Family Protected In Case Of Any Medical Emergencies. Comprehensive Yet Simple, This Is A Health Insurance Plan Designed Keeping In Mind The Rising Medical Costs, This Policy Covers Basic Medical Needs And Provides Financial Help In Times Of Emergency For You And Your Loved Ones.
Key Features
Range of benefits: Indemnity based health insurance cover with range of benefits.
Network of hospitals: We are equipped to offer you health care with our network of 4000+ hospitals across India.
Lifelong renewal: We offer you a lifelong renewal for your policy provided premium is paid without any break. Your premiums will be basis the age, sum insured, and plan. Your renewal premium will be basis your age on renewal and there will be no extra loadings based on your individual claim.
Cumulative bonus: Sum insured (excluding CB) shall be increased by 5% in respect of each claim free policy year, provided the policy is renewed without a break subject to maximum of 50% of the sum insured. If a claim is made in any particular year, the cumulative bonus accrued would be reduced at the same rate at which it has accrued.
Tax Benefit: The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.
Modes of premium payment: All the modes (Yearly, Half yearly, Quarterly, Monthly) are allowed for the this policy. ECS (Auto Debit facility) is also allowed.
Exclusions
Maternity Expenses:
i. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;
ii. expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.
Cosmetic or plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner
60 days
The company shall indemnify post hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 60 days from the date of discharge from the hospital, following an admissible hospitalization covered under the policy
30 days
The company shall indemnify pre hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 30 days prior to the date of admissible hospitalization covered under the policy
Covered
The Company shall indemnify medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital
Network of 4000+ hospitals across India
We are equipped to offer you health care with our network of 4000+ hospitals across India
Subject to a limit of 25% of Sum Insured or Rs. 40,000/-, whichever is lower
The Company shall indemnify medical expenses incurred for treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs. 40,000/-, whichever is lower, per each eye in one policy year
increased by 5% in respect of each claim free policy year
Sum insured (excluding CB) shall be increased by 5% in respect of each claim free policy year, provided the policy is renewed without a break subject to maximum of 50% of the sum insured. If a claim is made in any particular year, the cumulative bonus accrued would be reduced at the same rate at which it has accrued
Not Covered
This plan doesn't provide coverage for maternity & related claims
