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M Care Policy
5,426
VS
3468-1730263519.webp){kind=logo}
Koti Suraksha Plan
11285
Get additional protection against diseases carried by mosquitoes with the M-Care health policy.
According to The New Indian Express report of May 2024, there will be a sudden rise in vector-borne diseases like Malaria, and the health department of India has also circulated a warning regarding the same.
Many people in suburban as well as metropolitan regions have suffered from such diseases causing them to lose out on their savings. Additionally, these diseases cause you to lose your body organ's metabolism rapidly. Hence, this needs to be addressed as soon as you get the news of being affected by one of such diseases.
As per the data, these are the most common vector-borne diseases (specifically carried out by mosquitoes):
Bajaj General M-Care health policy is the health coverage that all you need to be safe from vector-borne diseases carried out by mosquitoes. Unfortunately, once conceived with vector-borne diseases like Malaria, Kala-azar, Chikungunya, Dengue fever, and so on, you will be losing money on treatment. Hence, it is always a great decision to purchase a health policy like the M-Care health plan by Bajaj General. It will help safeguard you from the danger of getting ill this monsoon.
The policy pays out the lump sum benefits (as per specified limits of your policy) on getting diagnosed with a vector-borne disease during the policy period. Furthermore, it's not just one of your basic health plans, it paces up your way to be covered for future havoc in the form of a mosquito bite or pollen allergies (as a Gen-Z would say).
What more to expect? Read this page further on to know about Bajaj General M-Care health plan.
| PLAN DETAILS |
M Care Policy |
Koti Suraksha Plan |
| Premium Including GST | ||
| Product Type | Critical Illness Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Optional | Covered |
| Plan Entry Age | Day 1 to 65 years | Minimum: 18 years Maximum: 65 years |
| Plan Premium Entry Age and S/A | 5,426 | 11285 |
| Plan Waiting Period | 15 | 30 |
| Plan Coverage | Hospitalization expenses cover, Pre post expenses, OPD expenses covered, AYUSH treatment cover, Organ donor expenses | Individual/Family Floater |
| Plan Sample Premium | 5,426 | 11285 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.23 | 95.30 |
| Solvency Ratio | 3.25 | 2.00 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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