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The Policy covers Hospitalization Expenses for In-Patient Care or Home Care Treatment incurred for treatment of Covid-19 during the Policy Period.
SALIENT FEATURES
The Policy covers Hospitalization Expenses for In-Patient Care or Home Care Treatment incurred for treatment of Covid-19 during the Policy Period.
Room, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home.
Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization.
AYUSH Treatment covered upto sum insured, without any sub-limits undertaken for inpatient care in AYUSH hospitals.
Hospital Daily Cash: 0.5% of SI/Day for each 24 hours of continuous hospitalization for treatment of Covid-19 following an admissible hospitalization claim under this policy, as on add-on cover, for a maximum upto 15 days during a policy period in respect of every insured person.
Pre and Post Hospitalization expenses covered for 15 and 30 days respectively. Pre hospitalization expenses shall cover the costs of diagnostics towards COVID19
Waiting Period: 15 days from the first policy commencement date.
No deductibles in this product.
The Policy provides for Cashless Facility and/or reimbursement of Hospitalization/Home care expenses for treatment of Covid-
Cashless Facility will be available in Network hospitals only if TPA service is opted in the Policy.
Sum Insured (SI) available from Rs.50 thousand to Rs.5 lacs, in multiples of Rs. 50,000.
The Policy term: three and half months (3.5 months), six and half months (6.5 months), and nine and half months (9.5 months) including waiting period.
Maximum Entry age for any member is 65 years, without any medical examination.
Baby Day one cover facility available under the policy.
Policy can be issued, as per the option of the Proposer, on
(i) Individual Basis (i.e., Sum Insured shall apply separately on each Insured Person)
(ii) Floater Basis (i.e., Sum Insured shall apply cumulatively to cover all Insured Persons)
Discount
5% Digital Discount: If policy taken Online where no intermediary is involved.
5% Discount: For Health Care workers.
5.5% in premium if TPA services not opted for.
Life Long Renewability, Migration and portability stipulated under Regulation 13 and 17 of IRDAI (Health Insurance) Regulations, 2016 respectively are not applicable under this policy.
Covered for a fixed period of 30 days
The company shall indemnify post hospitalization home care treatment medical expenses incurred, related to an admissible hospitalization home care treatment, for a fixed period of 30 days from the date of discharge from the hospital, following an admissible hospitalization covered under the policy
Covered for a fixed period of 15 days
The company shall indemnify pre hospitalization/home care treatment medical expenses incurred, related to an admissible hospitalization/home care treatment, for a fixed period of 15 days prior to the date of admissible hospitalization/home care treatment covered under the policy
Waiting Period: 15 days
Waiting Period: 15 days from the first policy commencement date
Covered Rs.2000/- per hospitalization
Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization
Covered up to the limit of sum insured as specified in the policy schedule
The Company shall indemnify medical expenses incurred for inpatient care treatment for Covid on Positive diagnosis of COVID test in a government authorized diagnostic centre including the expenses incurred on treatment of any comorbidity along with the treatment for Covid under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during the Policy Period up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital
Covered
Family Covered in this Policy
Covered
Room, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home
Available
Home Care Treatment means Treatment availed by the Insured Person at home for Covid on positive diagnosis of Covid in a Government authorized diagnostic Center, which in normal course would require care and treatment at a hospital but is actually taken at home maximum up to 14 days per incident provided
