Health Insurance

• Health insurance takes care of your medical expenses and ensures that out-of-pocket expenses are curtailed upto the Sum insured
• A health insurance policy ensures that you can avail cashless treatment at a network hospital without having to pay for them, typically covering 30 days and 60 days pre and post hospitalization, respectively, in most of the Health Insurance plans .
• One can also invest on one of the popular senior citizen health insurance policies and ensure comprehensive security for their elderly parents or secure their old age that often brings along several ailments that require expensive medical treatment.

Benefits of Health Insurance

• Health Coverage: Health Insurance plans have enhanced offerings to cover a wide spectrum of requirements, like a family health plan offers complete cover to all members of a family under a single umbrella.
  • Medical Bills: Coverage against medicinal expenses incurred, including pre and post hospitalization
  • Pre-existing Diseases: Coverage for any pre-existing disease is provided to you after a certain waiting period.
  • Claim Reimbursement: Coverage for expenses incurred for hospitalization due to a medical
• Tax Rebate: Annual premium paid for health coverage are subject to tax exemption u/s 80D of ITA, 1961. Tax exemption ranges from Rs. 25,000 to Rs. 60,000.
• Other Benefits: As an innovative feature, OPD expenses are now covered under few Insurer plans and don’t require hospitalization for minimum 24 hrs to claim reimbursement. Stand alone OPD plans are also available in the market.

• Health insurance takes care of your medical expenses and ensures that out-of-pocket expenses are curtailed upto the Sum insured
• A health insurance policy ensures that you can avail cashless treatment at a network hospital without having to pay for them, typically covering 30 days and 60 days pre and post hospitalization, respectively, in most of the Health Insurance plans .
• One can also invest on one of the popular senior citizen health insurance policies and ensure comprehensive security for their elderly parents or secure their old age that often brings along several ailments that require expensive medical treatment.

Benefits of Health Insurance

• Health Coverage: Health Insurance plans have enhanced offerings to cover a wide spectrum of requirements, like a family health plan offers complete cover to all members of a family under a single umbrella.
• Pre-existing Diseases: Coverage for any pre-existing disease is provided to after a certain waiting period
• Medical Bills: Coverage against medicinal expenses incurred, including pre and post hospitalization
• Claim Reimbursement: Coverage for expenses incurred for hospitalization due to a medical
• Tax Rebate: Annual premium paid for health coverage are subject to tax exemption u/s 80D of ITA, 1961. Tax exemption ranges from Rs. 25,000 to Rs. 60,000.
• Other Benefits: As an innovative feature, OPD expenses are now covered under few Insurer plans and don’t require hospitalization for minimum 24 hrs to claim reimbursement. Stand alone OPD plans are also available in the market.

• Critical Illness Benefit Policy is a benefit policy, which is designed to mitigate the financial hardship of persons in case of critical illness that requires incurring a large sum for the treatment along with maintenance of the family

  What it covers?

  • • A. The below mentioned Illnesses:
    • Cancer of specified severity
    • Kidney failure requiring regular dialysis
    • Multiple Sclerosis with persisting symptoms
    • Benign Brain Tumor
    • Motor Neuron Disease with Permanent Symptoms
    • End Stage Lung Failure
    • End Stage Liver Failure
    • Primary (Idiopathic) Pulmonary Hypertension
    • Parkinson’s Disease Before the Age Of 50 Years
    • Alzheimer’s Disease Before the Age Of 50 Years

  Super Top up policy.

  Think Health Insurance and a hundred questions pop up in your mind. First among them being, how much insurance cover do I need? While some feel capable enough to self-finance their healthcare treatment if and when need arises; others feel satisfied with their existing insurance cover. But what if the illness is way too critical and expenses tower beyond what you ever imagined or could afford? Considering the growing medical inflation, you sure don’t want that extra burden turning your world upside down.

  Which is why, a high deductible Super Top Up health insurance for you and your family. With Enhance, you have that extra safety net of insurance coverage which works on the principle of policy deductible. Simply choose your comfort level in terms of the deductible you can manage (either by self-financing or any other insurance) along with your desired Sum Insured and stay worry free when it comes to you and your family’s current and future healthcare needs.

• INTERNATIONAL TRAVEL INSURANCE

  Who doesn’t wish to travel abroad and revel in the sights and sounds of a new culture? While international travel is no longer a difficult task, it is always wise to ensure a hassle-free trip with international travel insurance.

  International travel insurance takes care of financial woes that might arise due to health concerns, lost baggage, lost passports, and other unforeseen circumstances during your travel.

  For non-frequent fliers, the best option is to go for Single Trip travel insurance as you can select your travel duration, maximum up to 360 days. It offers one of the best international travel insurance with added benefits. Our Single Trip travel insurance policy takes care of eventualities, including:

  • Canceled trip or other disruptions caused
  • Loss of travel baggage, travel documents, and personal belongings
  • Cash assistance in case of an emergency
  • Home burglary when you are away
  • Personal liability cover
  • Emergency evacuation in case of political turmoil
  • Risk coverage in case of hijacking

• The Coverage of an Individual Personal Accident Policy

   

  There are a number of situations in which you can avail coverage from your individual personal accident policy. Some of the most common coverage offered by this policy can be seen below:

  • Accidental death: If the insured meets an untimely death because of an accident, their dependants or nominees are paid death benefits, so they are covered against financial insecurity.
  • Permanent total disability: If the insured is rendered completely disabled in a permanent way that is beyond the ability of medicine to heal, they will be entitled to avail benefits pay-outs, as mentioned in the guidelines of their policy. Even if the disability was not prominent at the time of the accident, but arises as a result of an accident within a year of it occurring, the insured will be able to avail benefits.
  • Permanent partial disability: If the insured is rendered partially disabled in a permanent way that is beyond the ability of medicine to heal, they will be entitled to avail benefits pay-outs, as mentioned in the guidelines of their policy.
  • Temporary total disability: Depending on the individual personal accident policy you purchase, you may be able to avail temporary total disability coverage. Under this benefit, if the insured individual is rendered completely disabled, even if on a temporary basis because of an accident, they are eligible for benefit pay-outs.This type of disability refers to a condition that can be restored by treatment or medicine, and the insured can return to their original productive and working capacity.

• The essential part of an organization is human beings. As a part of HR policy, many organizations take a Group Personal Accident Insurance cover to seek protection to their employees

  Nowadays accidents are a matter of common occurrence and can cause Death or Disablement. An Insurance coverage would be essentially required to provide protection to the members of an organization. A Group Personal Accident Policy is an ideal solution for this.

  COVERAGE

  The policy has been designed to provide compensation in the event of the insured person sustaining injuries, solely and directly from an Accident Caused by Violent, Visible and External means, resulting into

  • Death,
  • Permanent Total Disablement (PTD),
  • Permanent Partial Disablement (PPD)
  • Temporary Total Disablement (TTD).
  • Medical Expenses Cover ( OPD & IPD)

• The essential part of an organization is human beings. As a part of HR policy, many organizations take a Group Health Insurance cover to seek protection to their employees

  The policy is meant to cover Hospitalization Expenses incurred by the members of an organization in case they happen to suffer from a disease or sustain an accidental injury, the following Hospitalization expenses will be paid under following heads:

  • Room, Boarding and Nursing Expense.
  • Medical Practitioner/ Anesthetist, Consultant fees, fees of surgeon
  • 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 Organ and similar expenses
  • Expenses on Vitamins and Tonics only if forming part of treatment as certified by the attending Medical Practitioner.
  • The relevant expenses incurred for Domiciliary Hospitalisation
   
  • An additional Daily Allowance for the duration of Hospitalisation towards ddefraying of miscellaneous expenses.
  • Ambulance charges in connection with any admissible claim limited
  • Admissible day care treatment (less than 24 hrs hospitalization), pre and post hospitalization
  • Cost of Health Check up – Reimbursement of cost of medical check-up once at the end of a block of every four continuous claim free policy years, subject to maximum of 1% of the average sum insured during the period
  Other admissible expenses.

  This policy will trigger when there is minimum 24 hours hospitalisation

  The hospital where treatment is taken should have minimum 15 beds.

  The policy holder can avail cashless facility for the treatment taken or he may go for reimbursement of expenses incurred.

  The basic cover can be enhanced by opting for Add-on covers by paying an extra premium and such Add-

  on covers are as below:

  • Waiver for Pre-existing diseases.
  • Waiver for first 30 days exclusion.
  • waiver for first year / first two years / first four years exclusion.
  • Maternity Benefits and New Born Baby cover from day one.
  • Corporate Buffer.

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