Vikash Raghuwanshi
Health Insurance premium plan benifit and details
Important Features of:
Get health insurance for your family and get relief from hospitalization expenses.
●It is a floater policy, in which the entire family (husband, wife and maximum 3 children below the age of 25 years) can be covered by a single premium.
●It can also be taken for a single person.
●The sum insured can be used by a single person (Individual Plan) or a member of the family or the entire family (Family Floter Plan) as per their requirement.
●The age limit of entry is from 91 days old child to 65 years of age.
●The renewal of the policy will be for life.
●This policy is issued only on your trust without any medical examination.
Policy Benefits:
1.Tax benefits under section 80D of Income Tax.
2.Sum Assured available up to 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, * 50 lakh, 75 lakh and 1 crore.
3.Policy can go for 1 year and 2 years
4.Cost of Road Ambulance and AirAmbulance
5.No limit on room rent.
6.Facility for treatment of all day-care diseases without 24 hours hospitalization.
7.Donor’s operation and all subsequent expenses in case of organ-transplantation*
Accident and permanent disability insurance equal to the sum insured taken.
8.Hospital Cash Benefit Rs 500 to 2500 per day for a maximum of 120 days
9.Bariatric surgery facility to reduce obesity.
10.Cost of home treatment in critical condition.
11. 100% No-Claim Bonus (5 lakh on Sum Assured in the first 2 years and on Sum Assured above that in the next year) available.
12.Health checkup from 2000.00 to 5000.00 after every claim free year.
13.Expense from ₹ 5000.00 to ₹ 15000.00 for eye-tooth test after every claim free 3 years.
14.100% Automatic Restoration facility available at no extra premium.
15.Cost of complete treatment taken before 60 days of admission and 90 days after discharge.
16.If the policy is taken by a single person, then on marriage, the life partner can add to the policy immediately (by paying extra premium)
17.Maternity coverage after 2 years and child will get coverage from day one.
18.Largest network of around 10500 cashless hospitals all over India.
what doesn’t get
No risk other than accident covered for first 30 days.
Pre-existing diseases are not covered for 3 years at the time of taking the policy, but * if you want, you can cover it after 1 or 2 years by paying extra premium.*
Cataract, Glaucoma, Retinal detachment/macular degeneration, Spinal cushioning, Varicosevenes, Prostate gland, Distortion of the nasal bone, Sinus diseases, Tonsils, Thyroid, Hernia and congenital diseases,
Gallbladder, urinary system related diseases, stones, uterus operation, internal diseases of women, knee joint related diseases and spinal diseases are not covered for 2 years.
Benefits available on hospitalization
1.Room Rent.
2.Doctor’s fees.
3.Nursing charge.
4.Total cost of medicines.
5.Full cost of investigation.
6. Ambulance expenses.
7.Specialist Doctor’s Fees
8.Payment of operation expenses and
9. expenses related to illness as per policy rules.