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Shriram General Health Insurance has launched its first-ever indemnity health plan, Shri Health Suraksha Insurance. This comprehensive plan offers various medical treatments, including modern procedures and traditional AYUSH treatments.
With nationwide access to 13,000 network hospitals, individuals can choose a plan that best suits their healthcare needs and enjoy cashless treatments. Introducing the plan, Anil Aggarwal, MD & CEO, said:
“It enables the customer to provide medical treatment to their loved ones, unhindered by any financial challenges. We have priced premiums competitively for a family floater plan. The offering aligns with our vision to allow every Indian to access comprehensive and quality medical care.”
Let's learn more about the plan.
| PLAN DETAILS |
Shri Health Suraksha Plan |
Niva Bupa Rise Plan |
| Product Type | Individual and Family 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.) |
Not Covered | Not 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) |
Not 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 | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
13000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Available | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | Available |
| Plan Entry Age | NA | 18 years |
| Plan Premium Entry Age and S/A | 8,000 | 6915 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual and Family floater | Lifelong |
| Plan Sample Premium | NA | 6915 |
| 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 | Not Available | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 86.86 | 94.4 |
| Solvency Ratio | 3.51 | 3.03 |
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