Health Insurance

Health Cost rising at 20 % p.a

In 80% cases of hospitalization in India, people have to sell their assets or take loan in order to pay for their treatment

Penetration of health insurance in the India is only 1.2 per cent as compared to 84 % in the US

No Social Security system from the Government

The Ideal Advantage

  • Lowest Premiums
  • Best Products after a comparison of all available products
  • 24 hr Helpline - Efficient Services at all times
  • Quick Claims Settlement
  • No Medical Tests Required till age 70 (Coverage available till age 80)
  • Timely Renewals and Periodic Review to avoid discontinuity

 

Life, unfortunately, follows no fixed plan. Sudden illness or bodily injury coupled with rising medical costs can sometimes leave one financially hurt and highly stressed. Health insurance allows one to breathe easy. Health insurance policy kicks in at such junctures to ensure that one gets the requisite treatment & one’s pocket isn't raided

 

What is Health Insurance?

 

Health insurance is a contract entered between a customer (the insured) and an insurance company (the insurer), wherein the insurer agrees to pay the insured for health care expenses that might arise due to hospitalization, accident, illness, or disease. All these expenses are subject to limits defined in the contract.

Health cover provide complete protection to the insured and family. One can cover your spouse, children and dependent parents from all Health worries.

The Health Insurance cover can be of two types –

a) General Health Insurance Cover

b) Critical Illness Cover provide for critical illnesses/diseases such as heart attack, kidney failure, diabetes and cancer.

 

Tax Benefits

 

Exemption under section 80 (D) of the Income Tax Act, 1961 is presently available for premium paid by cheque.

 

The Policy Covers:

 

  • The Policy covers illness / disease or accidental injury leading to expenses - hospital charges (room & boarding and operation theatre), fees of surgeon, anesthetist, nurses, cost of medicine, oxygen, blood, cost of appliances like pacemaker, artificial limbs and cost of organ donor expenses.
  • Hospitalization expenses subject to a maximum of the sum insured at inception of the policy
  • Maternity benefit available
  • Pre hospitalization Post hospitalization expenses
  • Cashless Facility at hospitals (those who have tied up with the insurer to form a network) throughout the country. The Cashless Facility means that the insured does not have to pay from his/her pocket for a large part of the expenses incurred at a network hospital - they are handled directly by what is known as the Third Party Administrator (TPA).

 

Exclusions

 

  • Any treatment relating to any illness / disease already in existence at the time of proposal. But it is covered after a waiting period of 2 years or 4 years depending on the policy.
  • Any disease / injury during first 30 days of commencement of policy (accidental injury is not an exclusion).
  • Treatment of cataract, benign prosthetic hypertrophy, hysterectomy for menorrhagia on fibromyoma, hernia, bydorcele, congenital internal disease, fistula in anus, sinusitis and related disorders only during first year of cover.
  • Vaccination, inoculation, circumcision or change of life or cosmetic or aesthetic treatment, plastic surgery unless necessitated due to accident or as a part of any illness.
  • Dental treatment or surgery of any kind unless requiring hospitalisation.
  • Cost of spectacles contact lenses and hearing aids.
  • Convalescence, general debility. “run-down” condition, sterility, venereal disease, intentional self-injury, use of drugs and and intoxicants.
  • Any variation of deficiency syndrome or AIDS.
  • Treatment arising from or traceable to pregnancy or child birth.
  • Nuclear perils and war group of perils.
  • Naturopathy treatment.

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