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Summary of Health Insurance Plans


The features of a health insurance plan:-

1. 24hour hospitalization then cashless
2 day care treatment- covers 541 diseases (no 24 Hr hospitalization )
3 room rent – general ward, twin suite, single private, deluxe etc
4 I C U rent- no capping
5 doctor/nursing fee- no limit
6 domiciliary treatment – 10%
7 pre- hospitalization care – 30 days
8 post hospitalization care – 60 days
9 organ donor
10 ambulance cover

11 recharge / restoration facility
12 free health check up coupons
13 second opinion
14 no claim bonus
15 individual / floater option for family
16 group policy for corporate

17 pregnancy (it is natural phenomenon  and not a disease)

FYI:-
1 accidental cover from day 1
2 30days waiting in general
3 2yr exclusion for cataract, piles, hernia etc
4 pre-existing dieases- 4yr waiting
5 different age slabs have different premiums – so go for 3 yr combo instead of just 1 yr and get discounts

 

 

Exclusions :-
1 HIV AIDS
2 cosmetic or dental surgery
3 over dose of alcohol, tobacco, drugs
4 drink & drive
5 treatment of non MBBS doctor
6 riots & war
7 by birth problem
8 non consumable items

 

Comply T & C by Govt of India, State Govts, UTS, SEBI, AMFI , RBI, NHB, IRDA, RERA and other authorities. Provide copy of AMFI, NISM, EUIN, IRDA, RERA and other relevant certificates.

 

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This entry was posted on September 16, 2018 by in Uncategorized.

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