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COCO Seasonal Byte safeguards You & your family by providing coverage for - Dengue Fever; Zika Fever; Chikungunya; Malaria; Leptospirosis; Swine Flu and Vector Borne Encephalitis.
Mosquito borne diseases are plaguing India at an alarming rate. Whether you're in northern part of the country or planning on spending time at the coast or just enjoying a sunset picnic at the park, avoiding getting bitten from mosquitoes is not possible. Hence, it's a time that you should think of having a specific health insurance which can safeguard your family and yourself against mosquito attacks.
COCO Seasonal Byte safeguards You & your family by providing coverage for - Dengue Fever; Zika Fever; Chikungunya; Malaria; Leptospirosis; Swine Flu and Vector Borne Encephalitis.
Features you'll appreciate
Sum Insured Options-You can choose the sum insured of your choice -
Indemnity Plan - (SI Variants - 2.5 K / 5 K / 10 K/ 25 K/ 50 K/ 75 K/ 1 Lac/ 2 Lac)
Benefit Plan - (SI Variants - 2.5 K / 5 K/ 7.5 K / 10 K)
Plan - This policy is designed to offer either Indemnity based or benefit-based plan. You can choose the plan as per your need.
Waiting Period
15 days waiting period from the commencement date of the Policy. This is applicable in the first year and is not applicable in subsequent renewals.
Age Eligibility
Minimum age at entry under this Policy is 91 days and Maximum age at entry is 75 years. For Dependent Children, there is no maximum age restriction if he / she is completely financially dependent on Parents with no source of independent income and has not established his/her own independent households. Renewals will be available for lifetime upon payment of premium.
Policy Period Option
Policy can be issued or renewed for one (1), two (2) or three (3) continuous years at the option of the Insured.
Sum Insured to Individual & Family
The Indemnity plan can be issued to an individual on an Individual Sum Insured basis and/or to a family on an Individual Sum Insured or on a Family Floater Sum Insured basis. However, Benefit Plan can be issued to an individual/family on an Individual Sum Insured basis only.
Family Composition
Family includes - Self, Spouse, Dependent Children, Dependent Parents and Dependent Parents-in Law.
Premium
The Premium charged on the Policy will depend on the Sum Insured and Policy Tenure. Premium will be payable by Single Premium Mode.
Discounts under the Policy - You can avail the following discounts on the applicable Premium on your Policy.
Long Term Policy Discount: You can avail a long-term discount including renewals of 5% & 10% on selecting a 2 and 3-year Policy respectively. Long Term Discount will apply only in
case of Single Premium Policies.
NAVI GI Duniya Discount (Loyalty Discount): 5% on new policy if you are an existing customer of NAVI GI.
Income Tax Benefit - Premium paid under the Policy shall be eligible for income tax deduction benefit under Section 80 D as per the Income Tax Act, 1961. (Tax benefits are subject to change as per the tax laws)
What are the Exclusions?
We will not pay for any claims arising directly or indirectly from:
1. Any Illness(es) which is not specified under Specified Illness.
2. Any specified illness that is not diagnosed by the Medical Practitioner.
Comorbid Conditions
Any medical expenses or non-medical expenses related to Comorbid Conditions.
Geography
Diagnosis and treatment outside India.
Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure.
Medically Necessary Expenses
Any treatment or part of a treatment that is not reasonable and medically necessary and drugs or treatments which are not supported by a prescription.
Preventive Vaccinations
Expenses towards any treatment related to preventive care, vaccination, inoculation and immunizations (except in case of post-bite vaccination treatment) unless certified and recommended by the attending Medical Practitioner as part of in-patient treatment as a direct consequence of an otherwise covered claim.
Investigation & Evaluation
a) Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
b) Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Congenital anomalies
Screening, counselling and treatment related to External congenital anomalies.
Unrecognized Physician
Certification/diagnosis/treatment from persons not registered as Medical Practitioners, or from a Medical Practitioner who is practicing outside the discipline that he/she is licensed for.
Maternity Expenses -
Medical treatment expenses traceable to childbirth (including complicated deliveries and cesarean sections incurred during hospitalization) except ectopic pregnancy;
Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.
Unproven Treatments
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
Covered Upto 15 days
Covers medical expenses incurred after the date of discharge from the hospital upto 15 days
Covered Upto 15 days
Covers medical expenses incurred before the date of admission to the hospital upto 15 days
Covered Upto 2000 per hospitalization
Covers expenses upto the sub-limit, incurred for transportation of an Insured Person by an Ambulance and also expenses incurred for repatriation of mortal remains and funeral if death occurs during hospitalization
Covered Upto Sum Insured
Covers medical expenses incurred for in-patient hospitalization for the treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy in a government hospital, teaching hospitals of AYUSH colleges and AYUSH hospitals recognized by a government authority
Family Covered in this Policy
Family includes - Self, Spouse, Dependent Children, Dependent Parents and Dependent Parents-in Law.
15 days waiting period
15 days waiting period from the commencement date of the Policy. This is applicable in the first year and is not applicable in subsequent renewals
Covered
Covers hospitalization expenses for period more than 24 hours
Not Covered
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
Covered Upto 25% of Sum Insured or 30,000/- whichever is less
Covers medical expenses incurred for necessary medical treatment taken by the Insured Person at home provided such treatment requires continuous care and observation at home and is non-emergency for admission in hospital . Such treatment is certified by treating medical practitioner and is applicable for maximum period of 30 days from date of diagnosis of specified illness
