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Exclusions and Waiting Period in Health Insurance Policy


The common features for comfort of a health insurance plan:-

1. 24 hour 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’s medical expenses will be covered



10 . ambulance cover

11 .  recharge / restoration facility

12 .  free health check up coupons

13 .  The policy provides for one medical second opinion for each major illness diagnosed in one policy period



14 .   cumulative/ no claim bonus

15.  individual / floater option for family

16 . group policy for corporate

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

18  .  Vaccination of children up to the age of 12 years will be covered up to Rs. 1,000

19.  Allopathic, Ayurvedic and homeopathic treatments will also be covered

20.  hospitalization cash-For staying in hospital for more than 3 days, some minor expenses are provided on daily basis (if you are employed/ salaried, you get daily allowance)

21.  OPD

22. Critical Illness

  23. Cashless Facility 

24. Tax Benefit Under Sec 80D

25.  new born child

26.  helicopter facility

27.  Multi Year Policy Availability  -1,2,3 yrs

Discounts

  • 10% discount on premiums of family members are covered under this policy
  • 10% discount if the insured and the spouse are between 18 years and 25 years old
  • 5% discount on the premiums if the policy is bought online
Co-payment20% of the claim depending on age and insurer

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

Common Features :-

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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2 comments on “Exclusions and Waiting Period in Health Insurance Policy

  1. Pingback: Training Videos – Products / Concepts- Online, Tutorials of Portal | Inspiration Joint- Launch Your Presence, Orange Cub - Prevention of Cruelty Against Animals & Helping The Strays, PJ & Associates- All About Financial Planning- Equity/ Ins

  2. Pingback: Training Videos with Product Features | Inspiration Joint- Launch Your Presence, Orange Cub - Prevention of Cruelty Against Animals & Helping The Strays, PJ & Associates- All About Financial Planning- Equity/ Insurance/ Mutual Funds/ Property Serv

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This entry was posted on November 24, 2018 by in Uncategorized.

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PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/easy policy etc -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/Home)/Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF,Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk,Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child–Education/ Marriage, NRI /HNI Plan,  Handicap Dependent/ Child with Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT,Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked Savings Scheme , IPO/Debentures, NFO /Portfolio Management Services .Fixed Deposit /Bonds INSPIRATION JOINT》 Emcee Anchor Speaker Event manager Orator Trainer Radio /video jockey Presenter Voiceover artist Host Ventriloquist Launch ur presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING 2 SAVE A Life. Help voiceless/ it's service 2 GoD Drive slow, stop 4 animal. Someone is waiting at home for u in ur family & animal's too. #gettyimages #metgala #fashion #commission #anchor #host #emcee #radiojockey #videojockey #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar #renewbuy #fireinsurance
PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/easy policy etc -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/Home)/Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF,Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk,Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child–Education/ Marriage, NRI /HNI Plan,  Handicap Dependent/ Child with Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT,Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked Savings Scheme , IPO/Debentures, NFO /Portfolio Management Services .Fixed Deposit /Bonds INSPIRATION JOINT》 Emcee Anchor Speaker Event manager Orator Trainer Radio /video jockey Presenter Voiceover artist Host Ventriloquist Launch ur presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING 2 SAVE A Life. Help voiceless/ it's service 2 GoD Drive slow, stop 4 animal. Someone is waiting at home for u in ur family & animal's too. #gettyimages #metgala #fashion #commission #anchor #host #emcee #radiojockey #videojockey #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar #renewbuy
PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/easy policy etc -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/Home)/Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF,Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk,Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child–Education/ Marriage, NRI /HNI Plan,  Handicap Dependent/ Child with Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT,Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked Savings Scheme , IPO/Debentures, NFO /Portfolio Management Services .Fixed Deposit /Bonds INSPIRATION JOINT》 Emcee Anchor Speaker Event manager Orator Trainer Radio /video jockey Presenter Voiceover artist Host Ventriloquist Launch ur presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING 2 SAVE A Life. Help voiceless/ it's service 2 GoD Drive slow, stop 4 animal. Someone is waiting at home for u in ur family & animal's too. #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar #renewbuy #fireinsurance #marineinsurance #professionalindemnity #cardekho #cars24 #girnar #easypolicy #securenow
PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/easy policy etc -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/Home)/Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF,Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk,Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child–Education/ Marriage, NRI /HNI Plan,  Handicap Dependent/ Child with Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT,Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked Savings Scheme , IPO/Debentures, NFO /Portfolio Management Services .Fixed Deposit /Bonds INSPIRATION JOINT》 Emcee Anchor Speaker Event manager Orator Trainer Radio /video jockey Presenter Voiceover artist Host Ventriloquist Launch ur presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING 2 SAVE A Life. Help voiceless/ it's service 2 GoD Drive slow, stop 4 animal. Someone is waiting at home for u in ur family & animal's too. #gettyimages #metgala #fashion #commission #anchor #host #emcee #radiojockey #videojockey #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar
PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/easy policy etc -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/Home)/Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF,Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk,Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child–Education/ Marriage, NRI /HNI Plan,  Handicap Dependent/ Child with Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT,Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked Savings Scheme , IPO/Debentures, NFO /Portfolio Management Services .Fixed Deposit /Bonds INSPIRATION JOINT》 Emcee Anchor Speaker Event manager Orator Trainer Radio /video jockey Presenter Voiceover artist Host Ventriloquist Launch ur presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING 2 SAVE A Life. Help voiceless/ it's service 2 GoD Drive slow, stop 4 animal. Someone is waiting at home for u in ur family & animal's too. #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar #renewbuy #fireinsurance #marineinsurance #professionalindemnity #cardekho #cars24 #girnar #easypolicy #securenow
PJ & ASSOCIATES @ COVERFOX/RENEWBUY/ SMC/SALESPOINT POLICYBAZAAR/MINTPRO/GIRNAR/easy policy etc -WEB INTEGRATORS 71 companies.400 products-ONE PLATFORM Call +91-9971486715 , prernaji89.wordpress.com twitter.com/devil743 , facebook.com/er.prerna.jain , youtube.com/channel/UC-vO0dQrLqE8G1pRRvThrFA/videos , Instagram.com/devil743_orangecub_prernajain/ , linkedin.com/in/prernajain26 , Motor/Life/ Travel/ Marine/ Health/Property (Office/Home)/Pet/ Liability/ Fire- Burglary/Cancer Insurance, ULIP,  Personal Accident /Critical Illness /Business/Corporate  Insurance .Keyman, Employer Employee. Married Woman Property Act.Partnership, HUF,Professional Indemnity, Workmen Compensation, Erection/Construction- All Risk,Contractor’s Plant & Machinery, Group Policy, Retirement- Pension/Annuity,Gratuity,Leave Encashment, Child–Education/ Marriage, NRI /HNI Plan,  Handicap Dependent/ Child with Special Needs, Pure Term/ Term with Return of Premium » Income Tax Return Filing. Accounts Writing/GST »Equity/Commodity, Securities, Stock Broking, DEMAT,Trading, Derivatives/Currency, Mutual Funds SIP/ Equity Linked Savings Scheme , IPO/Debentures, NFO /Portfolio Management Services .Fixed Deposit /Bonds INSPIRATION JOINT》 Emcee Anchor Speaker Event manager Orator Trainer Radio /video jockey Presenter Voiceover artist Host Ventriloquist Launch ur presence- blog content writing SEO/SMO ORANGE CUB if u cant adopt -foster if u cant foster - sponsor if u cant sponsor - volunteer if u cant volunteer- donate if u cant donate -educate/ network/cross post/ feed/ help EVERYONE CAN DO SOMETHING 2 SAVE A Life. Help voiceless/ it's service 2 GoD Drive slow, stop 4 animal. Someone is waiting at home for u in ur family & animal's too. #gettyimages #metgala #fashion #commission #anchor #host #emcee #radiojockey #videojockey #voiceoverartist #ventriloquist #presenter #trainer #orator #loan #speaker #insurance #doggo #blogger #germanshephard #newsreader #journalist #mutualfunds #lifeinsurance #healthinsurance #coverfox #brokers #policybazaar
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