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Mediclaim |
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In the Indian market, the best Mediclaim policies are provided by the following two companies:
HEALTH GUARD: Bajaj Allianz Health guard covers you and your family against expensive medical care.
Features
- Cashless Claim settlement with the network of hospitals
- Proposal and application made simpler
- Extended pre and post hospitalization period
- Combination with other health products -Hospital cash & Critical Illness
- Pre-existing disease waiver if continuously insured with us for last 4 years
Benefits
- No strain on pockets of insured
- Complete health coverage
- Extended financial support
- Comprehensive coverage
- Easy and less time consuming
Advantages
- Option of treatment without making payments, across several hospitals.
- Existing disease can also be covered
- Expenses covered for a longer period
- Covers other expenses too
- Simple documentation
NEW FAMILY FLOATER HEALTH PLAN: ICICI Lombard's New Family Floater Health Plan is a comprehensive policy that covers pre-existing diseases and also offers free medical check-up. What’s more, it also covers maternity in addition to several add-on features like EMI payment options (presently available on ICICI Bank credit cards), recovery benefits, double benefits etc.
Premium Details
Please select the age of the
senior member |
Age below 30 Years |
31- 50 Years |
51-75 Years |
Sum |
3 Lakhs per Family |
5 Lakhs per Family |
3 Lakhs per Family |
5 Lakhs per Family |
Option I
2 Lakhs
Floater Cover |
Option II
2 Lakhs
Floater Cover |
Total Member- 1 |
7,800 |
11,100 |
12,350 |
15,300 |
14,600 |
11,350 |
Total Member- 2 |
8,800 |
12,300 |
13,700 |
17,000 |
24,800 |
18,300 |
Total Member- 3 |
10,800 |
15,800 |
17,650 |
21,460 |
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Total Member- 4 |
12,800 |
19,200 |
21,550 |
25,900 |
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( Above-mentioned rates are inclusive of 10.2% Service Tax ) |
Features
- India’s Most Comprehensive Cover
- Includes pre-hospitalization for 60 days and post-hospitalisation for 90 days.
- Includes some modern day care treatments which do not require 24 hour hospitalization.
- Pre-Existing Diseases
- Pre existing diseases are covered subject to sub-limits and waiting period (refer to the table below). Remaining all pre existing diseases will be covered after two years, if the policy is renewed with us.
- External Mobility Aids and Appliances
- For the first time in India expenses towards external mobility aids and appliances will be reimbursed subject to a limit of Rs. 10, 000.
- Accupressure, Ayurvedic and Homeopathic Treatment
- Again, for the first time in India, Rs 5000 will be provided for these adjunct treatments. Provided the treatment is administered by a medical practitioner and is mandatory for the given illness.
Benefits
- Recovery benefits
- In case of an unfortunate event, a person is hospitalized for more than 10 consecutive days, a lumpsum benefit of Rs. 10, 000 will be paid
- Double Benefits
- If 2 people in the same family are hospitalized consecutively for a period for 5 or more days, a benefit of Rs 10,000 will be paid (provided both of them are insured under this policy).
- Floater Cover
- Medical Expenses of the entire family are covered with in a single policy.
- Equated Monthly Installment (EMI)
- Premium payment spread over 12 months
- No advance payment necessary.
- Option of upfront payment also available.
- No Claim Bonus
- 5 % discount on renewal premium, in case no claim is made during the policy period up to a maximum of 25% cumulative discount.
- Free & Compulsory Health Check-up
- Free compulsory health check-up will be done for all those applying for this insurance plan.
- Hospital Daily Allowance
- In addition to hospital expenses, a daily hospital cash allowance of Rs 250 per day for 7 days will be paid to cover your daily expenses.
- Nursing Allowance
- Rs 300 per day for 5 days, provided the medical practitioner recommends nursing post hospitalization.
- Local Road ambulance Service
- In an emergency, cover is provided for expenses incurred on Ambulance services. The cover will be limited up to a maximum of Rs. 1000 with in city limits.
Exclusions
- Exclusions-First One Year
There are certain ailments which are not covered for the first year, but are covered subsequently:-
-- Benign Prostatic Hypertrophy.
-- Myomectomy, Hysterectomy unless because of malignancy.
-- Dilatation and curettage.
-- Skin and all internal tumors/ cysts/nodules/ polyps of any kind. including breast lumps unless malignant/ adenoids and hemorrhoids.
-- Dialysis required for chronic renal failure.
- What is not covered?
-- Any disease contacted during the first 30 days of inception of policy.
-- Intentional self-injury, AIDS, Alcohol or Drug Abuse.
-- Dental treatment, congenital diseases.
-- Birth control procedures and hormone replacement therapy.
-- Routine medical, eye and ear examinations, cost of spectacles.
-- Cosmetic, aesthetic, obesity related treatment.
-- Abuse of liquor, intoxicating substances or drugs.
-- War, riot, strike, terrorism, nuclear weapons induced hospitalization.
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Insurance is subject matter of solicitation. |
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