Group Health Policy

Health is wealth. Well being is an overall feeling of being in good health and being in control of yourself, your situation and your finances. There is a lot you can do to ensure your well-being. But life, unfortunately, follows no fixed plan. Sudden illness or bodily injury can sometimes leave you financially hurt and highly stressed. This is where Health Insurance steps in. It is an insurance that takes care of your medical expenses or treatment expenses and ensures quality health care for you. Now is the time to insure yourself and your family against rising health-care costs. In this world of uncertainty nobody is sure when ones dear one will fall victim to diseases and need hospitalization. This policy certainly helps you to get out of the financial trauma caused by hospitalization and protects you and your family in case you need expensive medical care.

Scope of Cover

• Medical insurance covers almost everything- from the time you step into the hospital to the time you are discharged. The normal costs that are covered are room and boarding expenses, nursing expenses, fees for the surgeon, anesthetist, medical practitioner and consultant, fees for specialists, charges for anesthesia, blood, oxygen and the operation theatre, charges for surgical appliances, medicines and diagnostic materials and charges for X-rays, dialysis, chemotherapy, medicines and so on.
• Cashless facility eliminating the entire trouble of documentation and direct settlement of your bills directly with the hospital.
• Related expenses during pre-hospitalisation period and post hospitalisation period up to 30 days and 60 days respectively.
• In case of additional premium paid Maternity Benefit can be availed.
• Less than 24 hours hospitalisation for specified procedures like Dialysis, Chemotherapy, Radio therapy, Eye Surgery, Dental Surgery, Lithotripsy (Kidney stone removal), D. & C. Tonsillectomy are covered.

Advantages

• Family Floater
• Cashless Hospitalization facility
• Large Hospital Network of more than 4000 Hospitals across India
• Innovative covers offered
• Fast & Efficient Settlement of claims

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Main Exclusions

• Any Pre-existing condition or any complication arising from it
• Treatment/surgeries for Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal diseases/defect, Fistula in anus, piles, Sinusitis and related disorders during the first year of the policy.
• Suicide, attempted suicide
• Cosmetic surgeries for aesthetic purpose, circumcision unless medically required.
• Under the influence of drugs, alcohol & other intoxicants
• Participation in felony, riots, war etc.
• Exposure to nuclear, radioactive materials
• HIV or sexually transmitted diseases

Sum Insured

The sum insured is based on the Age, Plan opted.

Premium

Based on age, sum insured opted, plan and Risk Class. Premium inclusive of service tax as applicable.

Age Group- for Self & Spouse – 21yr. to 70 yr.

Children – Birth to 21 yr.

Disclaimer
This is only a summary of the product features. The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification.

How to buy this insurance?
Please contact us through our Toll Free Help Line / SMS / nearest office
For further details, please refer the policy brochure and conditions.

Download Proposal Form

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