Health Insurance

WHO SHOULD TAKE SUCH POLICY: ANY INDIVIDUAL MORE THAN 18 YEARS OF AGE CAN TAKE POLICY FOR SELF. DEPENDENT CHILDREN CAN BE COVERED WITH BOTH OR EITHER OF PARENTS. POLICY CAN BE TAKEN ON FLOATER BASIS. EMPLOYEES OF A COMPANY/ORGANIZATION CAN BE COVERED UNDER A GROUP HEALTH INSURANCE POLICY.

INDICATIVE COVERAGE

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Medical expenses for more than 24 hour hospitalisation
Pre hospitalization
Post hospitalization
Day care treatment
Domiciliary hospitalization
Emergency Ambulance

COMMON EXCLUSIONS (NOT EXHAUSTIVE)

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All treatments within the first 30 days of cover except any accidental injury.
Any pre-existing condition will be covered after a waiting period of 3 years.
2 years waiting period for specific diseases like Cataract, Hemia, Joint Replacement Surgeries, Surgery of Hydrocele etc.
Expenses arising from HIV or AIDS and related diseases.
Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.

PREMIUM RATING FACTORS

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AGE, EXISTING ALIMENTS, NATURE OF COVER CHOSEN, PROFESSION ETC.

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