Pre-hospitalization and Post-hospitalization Expenses
It is a critical illness policy that provides hospitalisation benefits along with critical illness cover.
Entry age is 18 years to 65 years for the proposer.
The policy will be issued for a 1 year
The policy can be issued to an individual.
Applicants from 18-65 years can buy the policy. Beyond 65 years, only renewals can be made.
Coverage ranging from 5-25 lakhs.
Hospitalisation Cover: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.
No survival period required to make a claim.
Provides re-imbursement for all injuries and illnesses.
Pre-existing diseases are covered after 48 months of continuous insurance.
Pre & Post Hospitalization:
pre-hospitalization medical expenses up to 30 days prior to the date of admission in the hospital.
post-hospitalization a lumpsum calculated at 7% of the expenses.
First diagnosis of Cancer, Chronic kidney disease, brain tumor.
Undergoing major organ transplant for first time.
Cerebro vascular stroke causing hemiplegia.
Established irreversible coma
Established irreversible paraplegia
Established irreversible Quadriplegia
Pre-existing diseases as defined in the policy until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy with an Indian Insurer, However the limit of the company's liability in respect of claim for pre-existing diseases under sub portability shall be limited to the sum insured under the first policy with any Indian Insurance company.
Any disease contracted by the insured person during the first 30days from the commencement date of the policy, this condition will not apply if the insured person having been covered under any health insurance scheme.
During the first two years of continuous operation of this insurance cover, the expenses on treatment cataract, hysterectomy for menorrhagia of fibromyoma, treatment for knee of joint, prolapse of intervertibral disc, varicose veins and varicose ulcers.
During the first year of operation of the insurance cover the expenses on treatment od bengin prostate hypertrophy, Hemia, Hydrocele, Fistula in anus, Piles, sinusitis and related disorders, treatment for gallstones and renal stone.
Cost of spectacles and contact lens, hearing aids walkers, crutches wheel chairs and such other aids.
Dental treatment or surgery of any kind unless necessitated due to accidental injuries and requiring hospitalisation.
Charges incured at hospital or nursing home primarily for diagnostic, x-ray or laboratory examinations not consistent with an incidental to the diagnosis and treatment of the positive existence or presence of any ailment, sickness of injury, for which confinement is required at hospital/nursing home.
Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending physician.
Hospital registration charges, record charges, incidental and miscellaneous expenses and telephone charges.
Expenses incurred on Lasik Laser or refractive error correction treatment.
Expenses incurred on weight control services including surgical procedures for treatment of obesity, medical treatment for weight control/loss programs.
Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than allopathic shall 25% of the sum insured subject to a maximum of Rs25000 in the entire policy period.
No claim for compensation will become payable if the insured person is suffering from any of the covered major disease at the time of inception of this policy.
Circumcision unless necessary for treatment of a disease not excluded hereunder or as many be necessitated due to accident, vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness.