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Is this product offered to individuals only or can it be also offered to Groups?
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This product is offered only to individuals upto 45 yrs and cannot be offered to groups. |
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What is the age at entry?
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The age of entry for proposer is 18 yrs to 45 yrs and dependants from 3 months to 45 yrs. |
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Can a person take more than 1 Insta Insure Family health policy?
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A individual can be covered under only one Insta Insure Family Health Policy, if a person is covered under more than 1 Insta Insure Family Health Policy our liability will be restricted to only one policy (SI) |
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Is there any provision for mid term addition of natural members under this Policy ?
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In case of mid term addition of natural members, the earlier policy to be cancelled, a fresh policy to be issued, and continuity would be extended for the earlier policy for that period only for those specific members. In such cases cancellation would be done on Pro-rata basis. |
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Is the Personal Accident cover available for all family members?
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Personal Accident (PA) death cover is only for the proposer, other family members cannot be covered under PA |
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For Health check-up after 4 yrs will a person get reimbursement.?
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Health check up benefit is not applicable for this policy |
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Is there a co-payment clause in case of treatment taken in nonnetwork hospital?
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Co-payment is not applicable for treatment taken in non-network hospital. |
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Are Day care procedures covered under the policy?
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Yes, 130 day care procedures are covered under the policy. |
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What is the period specified for pre/post hospitalization expenses?
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2% of admissible hospitalization expenses would be paid as flat benefit under this coverage. |
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Is Family discount applicable for this policy?
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Family discount is not applicable for this policy |
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Is renewal discount applicable for this policy?
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Renewal discount is not applicable for this policy. |
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Is there a benefit of Cumulative Bonus in this policy?
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There is no Cumulative Bonus under this policy .There would no deduction in Sum Insured by 10 % in case of a claim. |
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Can people having Health Guard Policy or Star Package Policy or having another Company policy can take Insta Insure Family Health Policy?
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Yes, persons having Health Guard /Star Package policy can take Insta Insure Family Health Policy. The Total Sum Insured under all these policies put together cannot exceed 10 lacs |
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Can we give continuity for roll over cases from our Health Guard policy or other Co /PSU renewal?
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Yes continuity will be given for roll over cases from our Health Guard policy/ Star package policy; the continuity will be on the lesser or equal SI. Continuity will not be given from other company roll over cases. |
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Can we accept standalone Proposals?
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Yes, standalone proposals can be accepted for self proposers, age 18 yrs -45 yrs. |
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Is there any medical underwriting for this policy?
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Medical underwriting is not applicable for this policy. In case of any positive declarations the Kit is not to be opened and the Special proposal for positive declarations needs to be filled and referred to HO for medical uw. |
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Is there a loading of Smoking ,Asthma ?
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There is no loading for smoking or Asthma |
