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Health insurance is something that secures the future of you and your family. If you buy a health insurance policy, then you need not worry about medical expenses as it will take care of any such requirement. There are several additional benefits that a person get on buying a health insurance policy.
The policy covers hospitalization expenses which aims to offer coverage to you and your family in the possibility of high treatment costs for any injury or disease related emergencies which involve hospitalization, organ transplantation etc. This policy acts as an additional cover over and above the deductible amount.
Hospitalization Expenses: This insurance policy covers maximum hospitalization expenses that includes room rent, boarding and nursing expense, medical practitioner/ anesthetist, consultant fees, expenses on anesthesia, blood, oxygen, operation theatre, surgical appliances, medicines and drugs, diagnostic materials and x-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs, cost of transplantation of organs and similar expenses. Even expenses on vitamins and tonics if, they are prescribed part of treatment as stated by the attending medical practitioner are also included.
Daily Allowance: The amount of daily allowance equivalent to 0.10% of the sum insured for the hospitalization period towards payment of various expenses.
Cashless Benefits: This insurance policy offers the cashless facility with more than 4000 hospitals all over the country.
A kind of top up policy that provides additional coverage. It is a really helpful insurance policy that gives extra care at an affordable price. A person can buy this cover to get additional care for himself or his family. The helpful coverage and cashless facility are like cherry on cake.
Emergency Assistance Services: The policy provides emergency assistance service at no additional cost. The company offers the special assistance when the insured are traveling within India, 150 kilometers or more away from home.
Portability: The insured can switch from any other similar policy of any other insurance company to our Top up/Super Top Up policy and protect the continuity benefit as per IRDA Guidelines.
Special Treatment: Few special treatments including Ayurveda and/or Homeopathy and/or Unani hospitalization expenses incurred in Government recognized hospitals will be covered. Even the expenses of pre-hospitalization and post hospitalization will be liable for cover.
Any payment unless under the admissible Medical Expenses exceeding the Deductible.
Any condition like pre-existing disease will not be liable for any cover until 48 months of constant coverage.
Injury or diseases directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operation performing duties as a serving member of a military or a police force.