Health Insurance

Risk

Illness strikes when you least expect it. But who saves for an ailment? There can be no room for compromise when it comes to insuring your health or that of your family. While many of us insure our homes, vehicles, children’s education etc we do not often insure our health! Health insurance is particularly critical if you are self-employed or do not participate in your employer-sponsored health care plans. Medical costs are becoming increasingly expensive along with the advances in medical technology and diagnostic tools.

Solution

There are various insurance schemes that provide you with a cushion of support to take care of medical expenses as and when they arise. Broadly speaking, health insurance is available for an individual or as a family floater designed for a nuclear family’s health insurance needs. This plan enables you to cover your immediate family (you, your spouse and up to 2 children). There are also plans designed for the unique needs of the Indian Joint Family. It allows you to cover not just your spouse and kids but each and every member of your family.

The Cover

• 2 year Policy Tenure Option
• 24/7 Healthline This facility has been put in place to offer you access to health advice when you need it.
• All Day Care Procedures Covered: Expenses on Hospitalization for a minimum period of 24 hours are admissible. 
• Assured Plan Renewal for Life  
• Cashless facility You can access cashless facility at quality hospitals near you.
• Quicker Claim Settlement
• Domiciliary Treatment : We pay for medical treatment taken at home, which would otherwise have required hospitalization.
• Emergency ambulance We will cover ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. 
• Free Health Check-Up once every 2 years  
• Health Relationship Programme Under this program, you are eligible for health services and products with a market value of up-to 10% of your last paid premium.
• Hospital Accommodation - Shared Room Reasonable and Customary charges for Hospital accommodation are covered.
• No age restriction for enrollment: There is no minimum or maximum age of enrollment.
• Organ transplant: We will cover Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated
• Pre & Post hospitalization Medical Expenses Medical Expenses incurred due to Illness up to 30 days period immediately before you get admitted to a hospital and 60 days immediately after you get discharged from a Hospital.
• Tax Benefits