Health Companion Family Floater

Health Companion - Family Health Insurance Plan
An affordable health insurance plan that makes securing your health painless

VARIANT 1

Cover available upto Rs12.5 lakh : Up to Rs4 lakh
Health Check Up : Once in 2 years
In-patient Care : Covered up to sum insured
Hospital Cash : Up to Rs 1,000/- per day
Cover starts from : Rs 3 lakhs - Rs 4 lakhs
Premium starts from : Rs 5,085 /Yr

VARIANT 2

Cover available upto Rs12.5 lakh : Rs 5 lakh to Rs12.5 lakh
Health Check Up : Annual check-up
In-patient Care : Covered up to sum insured
Hospital Cash : Up to Rs 1,000/- per day
Cover starts from : Rs 5 lakhs - Rs 12.5 lakhs
Premium starts from : Rs 5,085 /Yr

VARIANT 3

Cover available upto Rs 1 Cr : Rs15 lakh to Rs 1 Cr
Health Check Up : Annual check-up
In-patient Care : Covered up to sum insured
Hospital Cash : Up to Rs 4,000/- per day
Cover starts from : Rs 15 lakhs - Rs 1 crore
Premium starts from : Rs 5,085 /Yr

All Day Care Treatments
Your health insurance will cover host of dental, ENT procedures and more

Pre & Post Hospitalization
We cover expenses 30 days before hospitalization and 60 days post-discharge.

No Room Rent Cap
Covered for rooms (except suites or above) for SI 5 lakhs & above

Health check-up
Pick tests based on your needs and avail cashless health check-ups

No Claim Bonus
Get 20% more sum insured at renewal for each claim free year; max up to 100%

Alternative treatment
Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments

Hospitalization
In-Patient Care (Hospitalization)
Get cashless coverage for hospitalization expenses for all insured members at network hospitals

Hospital Accommodation
Get coverage for all hospital accommodations except suite & above room category without any room rent capping under this policy

Pre & Post Hospitalization Medical Expenses
The policy covers expenses 30 days before hospitalization and 60 days post discharge

All Day-Care Treatments Covered
Your health insurance will cover a host of dental, ENT and other procedures

Emergency Ambulance
The policy covers the cost of ambulance up to 3000/. These expenses are paid once we have accepted the inpatient claim

Domiciliary Hospitalization
The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or on the doctor's advice

Any Age Enrolment
Get health insurance at any age. Newborn (at least 91 days) can also be added to your plan at the time of renewal.

Organ Transplant
Medical expenses for an organ donor's inpatient treatment for the harvesting of the organ donated is also covered

Standout Features
Safeguard (Rider)
Get access to additional benefits like- annual increase in coverage based on inflation rate, coverage for non-payable items and no impact on booster benefit / no claim bonus.

Refill Benefit
In case of exhaustion of the base sum insured, get 100% of your base sum insured as a refill for a different illness

Direct Claim Settlement
There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

Alternative Treatments
Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured

Cashless Facility
Avail services at our network hospitals on a cashless basis

Renewal For Life
The policy assures you renewability for life with no extra loadings based on your claim history

Tax Benefit
Save taxes under section 80D of the income tax act when buying your health insurance policy

No Claim Bonus
Get 20% more sum insured at renewal for each claim free year; max up to 100%

Add-on Features
Health Companion
Optional Benefits Health Companion health insurance: Individual / Family Floater (variant 1) Health Companion health insurance: Individual / Family Floater (variant 2) Health Companion health insurance: Individual / Family Floater (variant 3) Health Companion health insurance: Family First
Hospital Cash Rs 1000/day Rs 2000/day Rs 4000/day Rs 1000/day or Rs 2000/day

Exclusions

Permanent Exclusions

Investigation & Evaluation
Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.

Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.

Rest Cure, rehabilitation and respite care
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:

Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.

Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.

Obesity/ Weight Control
Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
Surgery to be conducted is upon the advice of the Doctor.
The surgery/Procedure conducted should be supported by clinical protocols.
The member has to be 18 years of age or older and;
Body Mass Index (BMI);
greater than or equal to 40 or
greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss:
Obesity-related cardiomyopathy
Coronary heart disease
Severe Sleep Apnea
Uncontrolled Type2 Diabetes
Change-of-Gender treatments
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.

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.

Hazardous or Adventure sports
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.

Breach of law
Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.

Excluded Providers
Expenses incurred towards treatment in any Hospital or by any Medical Practitioner or any other provider specifically excluded by Us and disclosed in Our website / notified to the Policyholders are not admissible. However, in case of life threatening situations or following an Accident, expenses up to the stage of stabilization are payable but not the complete claim.

The complete list of excluded providers can be referred to on our website.
Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.

Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.

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
Refractive Error
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 diopters.

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.

Sterility and Infertility
Expenses related to sterility and infertility. This includes:
Any type of contraception, sterilization
Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
Gestational Surrogacy
Reversal of sterilization
Maternity
Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean 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.
Ancillary Hospital Charges
Charges related to a Hospital stay not expressly mentioned as being covered. This will include RMO charges, surcharges and service charges levied by the Hospital.

Circumcision:
Circumcision unless necessary for the treatment of a disease or necessitated by an Accident.

Conflict & Disaster:
Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.

External Congenital Anomaly:
Screening, counseling or treatment related to external Congenital Anomaly.

Dental/oral treatment:
Treatment, procedures and preventive, diagnostic, restorative, cosmetic services related to disease, disorder and conditions related to natural teeth and gingiva except if required by an Insured Person while Hospitalized due to an Accident.

Hormone Replacement Therapy:
Treatment for any condition / illness which requires hormone replacement therapy.

Sexually transmitted Infections & diseases (other than HIV / AIDS):
Screening, prevention and treatment for sexually related infection or disease (other than HIV / AIDS).

Sleep disorders:
Treatment for any conditions related to disturbance of normal sleep patterns or behaviors.

Any treatment or medical services received outside the geographical limits of India.

Unrecognized Physician or Hospital:
Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by Central council of Homeopathy.
Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person's immediate family or relatives.
Treatment provided by Hospital or health facility that is not recognized by the relevant authorities in India.
Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state as demonstrated by:
Deep coma and unresponsiveness to all forms of stimulation; or
Absent pupillary light reaction; or
Absent oculovestibular and corneal reflexes; or
Complete apnea.
AYUSH Treatment
Any form of AYUSH Treatments, except as mentioned in your policy document.