Comprehensive Health Insurance

Health Total is a Comprehensive Retail Health Product with wider and long term coverage.

There are 3 different plans: Vital, Superior and Premiere. All plans are available with individual and floater option and with Lifelong renewal facility.

Family definition:

Vital Plan - Self, spouse, dependent children (unmarried and up to the age of 25 years) and dependent parents

Superior Plan & Premiere Plan - Self, spouse, dependent (unmarried and up to the age of 25 years) or non dependent children, dependent or non dependent parents, dependent siblings, daughter in law, son in law, parents in law, grandparents and grandchildren (maximum up to 15 members).



What's Covered

Expenses covered -
Hospitalization Medical Expenses, Day Care Treatment expenses, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, Organ Donor Expenses, Domiciliary Hospitalization Expenses.

Restoration of the Sum Insured -
If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year subject to T & C.

Maternity Expenses -
Maternity benefit with only two years of waiting period when both husband and wife are covered together

Mental Illness Cover -
Our Health Total now covers Mental Illness treatment at par with physical illness.
It covers Mental illness as per terms & conditions of the policy.

Covered as inpatient hospitalization

Covered as an OPD benefit under Superior & Premiere plan

Miscellaneous Coverages -
Patient Care, Accompanying Person, Road Ambulance Charges, Wellness Care, E-Opinion in respect of an Illness or Injury and Alternative Treatment

Accidental Hospitalization -
Increase in the Sum Insured by 25% of the available balance Sum Insured subject to maximum 10 lakhs in case of Accidental Hospitalization.

Emergency Medical Evacuation (applicable for Superior Plan and Premiere Plan) -
We will reimburse expenses under this Benefit incurred for medical evacuation from the place of local Hospitalization /Accident to any other Hospital within India.

Reimburse Expenses -
We shall reimburse expenses towards consultation, diagnostic tests and medications prescribed as per plan opted.

Child Vaccination Benefits (applicable for Premiere Plan) -
We will cover charges for vaccinations for child less than 12 years of age.

New Born Baby-
(applicable for Superior Plan and Premiere Plan)

Medical Treatment Abroad for listed conditions -
(applicable for Premiere Plan)

Additional covers -
Patient care, Accompanying Person, Road Ambulance Charges, E-Opinion in respect of an Illness or Injury, Alternative Treatment, Wellness Care

Cumulative Bonus -
50% for every claims free year to a maximum of 100% * Product coverage's applicable would be as per plan opted

Out Patient Medical Expenses -
Covers Mental Illness as well as Physical Illness.


Other Features
Family discount of 10% is available in case more than one person is covered in the same policy in case of Individual Sum Insured option.

Floater Discount:
Premium applicable for the primary insured will be the standard individual premiums. For remaining dependant members, floater discounts will be applicable on their respective premium as per their age.

Voluntary deductible discount:
Discount of 10% to 25% on premium as per the voluntary deductible and plan opted.

Long-term discount upto 10% applicable in case of upfront premium payment for long term policy.

Instalment Facility:
In case of policies which are on long term basis, facility of instalment payment is available monthly, quarterly and half yearly. Loadings maximum of 5% will be applicable on standard premiums as per the instalment frequency opted.

Loading on Claim experience:
There will be no loading on premium for adverse claims experience.

Tax benefit:
Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.

Copayment Applicability :
In case an insured enters the policy at age of 60 years and above , copayments will be applicable on each and every admissible claim

Top reasons why this plan is ideal for you
With Health Total, we can give you a comprehensive cover, a near perfect answer to all your medical needs.

1 Hospitalization Medical Expense

2 Day Care Treatment Expenses

3 Pre-Hospitalization Medical Expenses

4 Post-Hospitalization Medical Expenses

5 Restoration of Sum Insured

6 Maternity Expenses

7 Organ Donor Expenses

8 Patient Care

9 Accident Hospitalization (Increase in Sum Insured)

10 Accompanying Person

11 Road Ambulance Charges

12 Emergency Medical Evacuation (Applicable for Superior and Premiere Plan)

13 Domiciliary Hospitalization Expenses

14 Out-Patient Medical Expenses (Applicable for Superior Plan and Premiere Plan only)

15 Child Vaccination Benefits (Applicable for Premiere Plan)

16 New Born Baby (Applicable for Superior and Premiere Plan)

17 E-opinion in respect of an illness or injury

18 Alternative Treatment Cover

19 Medical Treatment Abroad (Applicable for Premiere Plan)

20 Wellness Care