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 Extra CareIncrease Your Family's Health Insurance CoverA health insurance plan that allows you to extend your existing health insurance cover. More
3.88 41 Ratings | 21 Reviews
 
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No Fine-print
What Coverages Do I Get?
- Medical Expenses: Covered upto the sum insured.
- Ambulance Charges: Up to Rs.3000/-.
- Pre and Post Hospitalisation: Upto 60 and 90 days respectively.
- Waiver for Pre-existing Diseases: After 4 years of continuous policy.
- Floater Policy (upto 3 Children): Single sum insured for the whole family.
- Continuity: Continuity for waiting periods will be given for any policy at any sum insured.
- Pre-Acceptance Medical Test: No test till 55 years of age for clean proposals.
- Entry Age 3 months-70 years: Renewable up to 80 years.
- Affordable Premium: Starting at Rs.2500/-.
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That's not all
What Benefits Do I Get?
- Can be taken as an add-on policy with any health insurance policy.
- Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
- Premium starting at Rs.2500 p.a with sum insured options of Rs.10, 12 or 15 lakhs.
- This is a floater policy; thus there will be a single sum insured and single premium for the whole family.
- Competitive premium rates.
- No medical tests up to 55 years of age, subject to a clean proposal form.
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Am I Eligible For It?
- Age of entry for proposer is 18 years to 70 Years; Renewable upto 80 years.
- Children from 3 months to 5 years can be covered if both the parents are insured with us.
- Children from 6 years to 18 years can be covered if either of the parents is covered with us.
- Children from 18 years to 25 years can be covered as self-proposer or as dependents.
- The primary member or the proposer can cover self, spouse and 3 children under this policy.
- The premium would be calculated as per the highest age of the family member.
- Members covered under medical expenses (hospitalization) policy. This policy covers the medical expenses in excess of the specified deductible amount.
- Members who do not have any health policy can also opt for this policy; the expenses up to the deductible limit (per hospitalization) would have to be borne by the member.
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No fine-print
Are There Any Exclusions?
- All diseases/illnesses existing prior to or at the time of proposing this insurance for a period of 4 years.
- Any diseases contracted during the first 30 days of inception of the policy.
- Congenital diseases and disorders.
- Non-allopathic medicine.
- Joint replacement surgeries other than due to accident would have a waiting period of 4 years.
- All expenses arising out of AIDS and related diseases.
- Cosmetic and aesthetic treatments.
- Use of intoxicating drugs or alcohol.
- Any fertility, sub-fertility, impotence, assisted conception operation, or sterilization procedure.
Don't go only by premium
The claim settlement record of the company is also important.
Review by i-save.com as featured in The Economic Times Wealth
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Deductible
Deductible means the amount stated in the schedule which shall be borne by the insured with respect to each and every hospitalization claim incurred within the policy period. The company's liability to make any payment for each and every claim under the policy is in excess of the deductible. Each and every hospitalization would be considered as a separate claim. (Except relapse within 45 days, which will be treated as the same claim.)
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Learn more
Frequently Asked Questions and Support
Help and Support
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Tips for choosing the right Health Insurance plan When it comes to health insurance, there's no one-size-fits-all plan that you can rely on. Of the numerous plans in the market, you will find that each is unique in some way, with its Read Now... |
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All about Network Hospitals The hospitals which have a tie up with your insurer would come under the category of network hospital. The network hospital provides cashless facilities to the insured on approval by the insurer. Read Now... |
Help and Support
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What is the tax benefit available on purchase of Health Insurance? It's common knowledge that buying health insurance helps you to save tax. Under Section 80D of the Income Tax Act 1961, you can get a maximum tax benefit of Rs.15000 on health Read Now... |
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A Quick Guide to Healthy Feet Your feet spend hours each day, carrying your weight from place to place. Make it a part of your daily routine to care for them, and prevent afflictions like bunions, arthritis, varicose veins, etc. Read Now... |
* The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.
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