Health Insurance
( Mediclaim , Personal Accident ,
Critical illness ) :
COVID 19 is covered.

KEEPING YOUR FAMILY HEALTHY AND HAPPY!
Health Guard Policy provides you with a comprehensive range of benefits, ensuring you are covered for the larger expenses related to illness/surgery.
Bajaj Allianz’s Health Guard is designed to suit all your health care needs. It takes care of the medical treatment expenses incurred during hospitalization resulting from serious illness or accident. This cover has comprehensive benefits with affordable price suitable to your needs.
Your health is precious to you - it enables you to live your life the way you please. But a sudden illness or accident can put a stop to your way of living and empty your savings. Protect yourself from the financial burden at the time of hospitalization with the Bajaj Allianz Health Guard Policy. Now you don't ever have to worry about not having enough money for treatment in case things go wrong.

What are the Plans available under Health Guard policy?
There are two plans available

• Silver Plan
• Gold Plan

Individual health insurance for senior citizens
Health care costs are and getting higher. As the age of an individual increases the health care costs increase manifold and become a burden on the individual. The senior citizens have to pay out of their hard earned savings to meet the expenses. Bajaj Allianz’s Silver Health Plan for senior citizens protects you and your spouse in case you need expensive medical care
This Policy offers you cashless benefit or reimbursement for hospitalisation expenses due to illness or accident.

• The policy is offered on individual sum insured basis.
• Self, spouse can be covered under this policy.

What coverage do I get?

• The policy covers hospitalisation expenses
• Pre and Post hospitalisation expenses of an amount equivalent to 3% of admissible hospitalization expenses.
• Covers ambulance charges in an emergency subject to a limit of Rs.1000 per claim.
• Pre-existing illnesses are covered from the second year of the policy.
• The Company's liability in case of any pre-existing illness from the second year of the policy would be restricted to 50% of the Sum insured in a policy year.
• 130 daycare procedures are covered subject to terms & conditions.

Do I need to undergo medical checkup?

• Pre - medical tests are mandatory for every proposal.
• The pre-policy check up would be arranged at our empanelled diagnostic centres .
• The validity of the test reports would be 30 days from date of medical examination.
• If pre-policy check up would be conducted in our paneled diagnostic centre, 100% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance.
• Medical Tests required as listed below:
  Full Medical Report, CBC, Urine R, ECG, Lipid profile, Fasting BSL,HbA1c, SGOT, GGT, Sr Creatinine

What benefits do l get?

• Cumulative bonus of 10% of sum insured for every claim free year upto a maximum of S0% of sum insured.
• Health checkup in designated Bajaj Allianz Diagnostic centers at the end of continuous four claim-free years Lists of tests given for reference : physician consultation, laboratory tests for fasting blood glucose and complete blood count, serum cholesterol, urine routine, chest x-ray and ECG
• Family Discount of 5% if two or more members are covered,
• Income tax benefit on the premium paid as per section 80 D of the Income Tax Act.

Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited ( recently demerged from Bajaj Auto Limited ) and Allianz SE. Both enjoy a reputation of expertise, stability and strength. This joint venture company incorporates global expertise with local experience. The comprehensive, innovative solutions combine the technical expertise and experience of the more than 110 year old Allianz SE, and indepth market knowledge and good will of Bajaj brand in India Competitive pricing and quick honest response have earned the company the customer's trust and market leadership in a very short time.

The Bajaj Allianz Advantage

• HAT : In-house Claim Administration
• Global expertise
• Innovative packages to match individual needs
• Quick disbursement of claims

Women Specific Critical illness Plan
This is a Women Specific Critical Illness Plan that provides you protection against the risk of serious illness. It gives you the security of knowing that a guaranteed cash sum will be paid in case you are diagnosed with a life-threatening illness. A serious critical illness or injury can now be cured, but could lead to increased financial problems for you and your family, through the mounting costs of hospitalization, compounded by loss of employment in some cases, Therefore, in order to counter this, we have designed this special cover, keeping in mind the critical illnesses and other attendant risks that are especially faced by women.

What are the Covers under the policy?

• Critical Illness Cover
• Congenital Disability Benefit
• Inbuilt add on benefits
  • Children Education Bonus
  • Loss of Job

Premium Personal Guard:
Premium Personal Guard Policy supports you in the hour of crisis and helps you to sustain the unforeseen risks, This policy provides security for the future and ensures complete peace of mind for you and your family.
Premium Personal Guard covers the insured against bodily injury or death caused due to accident and offers high sum assured ranging from 10 lakhs to 25 lakhs.

Who can buy this policy?
This policy is offered to risk class!

Risk Level-I
Administrative / managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations

What are the coverages under this policy?

• Death : In case of Death due to accidental bodily injury of the proposer, 100% of Sum Insured would be paid to the Nominee
• Permanent Total Disability ( PTD ) : In case of PTD due to accidental bodily Injury, 200% of Sum insured is payable for the proposer
• Permanent Partial Disability ( PPD ) : In case of PPD due to accidental bodily injury of the proposer, % of Sum Insured as shown in the PPD table would be payable. The claim payment under Death, PTD & PPD would be restricted to 50% for spouse & 25% for child, provided spouse & child are covered under the policy
• Temporary Total Disability ( TTD ) : In case of TTD due to accidental bodily injury of the proposer, weekly benefit would be payable as per the plan opted. The claim payment under TTD benefit would be restricted to 50% for spouse
• Transportation of mortal remains : If we have accepted a claim under Death of you/your family member(s) named in the schedule, then we will pay towards the actual cost of transporting the remains of you/your family member(s) from the place of death to a hospital, cremation ground or burial ground. The amount we pay will be limited to the lower of Rs. 5,000 or 2% of the Sum Assured shown under the schedule.
• Children's Education bonus : In case of Death or Total disability of proposer - onetime payment of Rs. 5,000 each towards the cost of education of up to 2 of your dependent children who were under the age of 19 on the date you met with Accidental Bodily injury
• Hospital confinement Allowance : Rs. 1000 to Rs. 2500 as per the plan opted per day for a maximum of 30 days of hospitalization
• Accidental Hospitalization Expenses : reimbursement of the cost of medical expenses due to accidental injury up to Sum Insured
• Cumulative Bonus : For every claim free year you are eligible for Cumulative Bonus (CB) of 10% of sum insured, Maximum cumulative bonus would be 50% of sum insured upto 5 claim free years. In the event of a claim, Cumulative Bonus will be reduced by 10% of the sum insured on the next renewal.

Permanent Partial Disablement table :
In case of permanent partial disablement, we will pay the percentage, of the sum assured as applicable given in the table below

Features

• Restore Benefit : A Health Plan which restores your Sum Insured when you need it most. Instant addition of 100% Basic Sum Insured on complete or partial utilization of your existing policy Sum Insured and Multiplier Benefit ( if applicable ) during the Policy Year. This total amount ( Basic Sum Insured, Multiplier benefit and Restore sum insured ) will be available to all the insured Person for all claims under In-patient Benefit during the current Policy Year.
  Too good to be true, here's how it will work:
  If you have a base Sum Insured of 5 lakhs, and you claim Rs.1,00,000 in the beginning of the year, we will restore the base Sum Insured of 5 lakhs to your remaining balance, i.e. you will now have Rs.9,00,000 which can be used subsequent claims in the remaining policy year for all claims under In-patient Benefits.
  However, single claim in & Policy Year cannot exceed the sum of Basic Sum insured and Multiplier Benefit (if any).
• Health Check UP-Optima Restore helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status. The health check up benefit is available once in 2 years on sum insured of Rs 5 lakhs and once every year on sum insured of Rs 10 lakhs and above.
• Multiplier Benefit : The amazing restore benefit also comes with a never before renewal incentive. If you've had a claim free year, we'll increase your basic sum insured by 50% as no claim bonus. If you don't claim even in the second year, we'll double your basic sum insured as no claim bonus i.e. 100% of the basic sum insured. So, if you have a 5 lakh policy and don't claim in the first year, we will increase your cover to 7.5 lakh for the second year and 10 lakh in the third year ( if you don't claim in the second year ), while you only pay a premium for a 5 lakh policy.
• Other Features : What makes OptimaRESTORE really a game changing health plan is that the goodies don’t just stop with the unique Restore and Multiplier benefits. OptimaRESTORE is packed with a bunch of fantastic features that truly uncomplicate healthcare and make it a plan that genuinely cares for you.
  • Lifelong renewal : Renew your cover lifelong and stay covered forever.
  • No sub-limit on room rent : With this health plan you can get the room you like and the treatment you deserve without a hassle.
  • Cashless Transactions : Optima Restore enables you to get treated on a cashless basis across 4000 hospitals in over 800 cities.
  • No geography based sub-limits : No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional copays or sub-limits.
  • No claim based loading : We will never load your renewal premium because you claimed or fell ill after taking our policy.
  • Quick turnaround time : You don't have to worry about pre-authorization, 90% of pre-authorization is done within 2 hours.
  • Quick claim payment : When it comes to claim settlement, we're one of the fastest in the industry to honor every genuine claim.
  • Certified associates : When you deal with us you can be assured that all our field partners and sales executives are well trained,
  • Easy upgrade : This health plan also comes with an easy upgrade option. You can upgrade your cover to the next slab at the time of your policy renewal.
  • Tax benefits : You can avail tax benefits for the Premium amount under Section 80 D of the Income Tax Act.
• Modern treatment methods : Our customer deserves the best and the latest medical treatment. Now we cover modem treatment methods like robotic surgeries, stem cell therapy, oral chemotherapy etc. Refer Annexure I for modern treatment methods being covered (if taken as in-patient or domiciliary hospitalization or day care treatment basis).
• Extended coverage : We would now be covering treatment of genetic disorders, or injury or illness associated with hazardous activities, neurodegenerative disorders like Parkinson, Alzheimer, peritoneal dialysis. Refer Annexure II for conditions or treatments which will be covered now.
• Portability : Optima Restore offers you easy portability so if you are insured under another Insurer's health insurance policy you can transfer to HDFC ERGO Health Insurance Limited with all your accrued benefits after due allowances for waiting periods and enjoy all the unbelievable benefits of OptimaRestore

FEATURES & BENEFITS
Schedule of benefits of Easy Health product variants are depicted in the chart below:

Benefits :
The policy pays for the benefits mentioned below ,exceeding the deductible opted for you

• In-patient Treatment – Hospitalization expenses due to an illness or accident
• Pre-Hospitalization - Medical expenses incurred in 60 days immediately before hospitalization
• Post-Hospitalization – Medical expenses incurred in 90 days immediately after discharge from hospital
• Day care procedures – Coverage for enlisted 144 day care procedures which do no require 24 hours hospitalization
• Organ Donor - Medical expenses for harvesting of the organ donated to the Insured person
• Ambulance Service – Expenses up to Rs . 2000 per hospitalization

What more should did know about Health wallet?

• Life long renewal : Health Wallet comes with the option of life long renewal regardless of your health status or claims.
• Waiting period : Health Wallet comes with initial waiting period of 30 days and 2 year exclusion for specific diseases; such as Cataract, Hernia, Hysterectomy and Joint replacement. Any pre-existing diseases/conditions will be covered after a waiting period of 3 years.
• Sum insured enhancement : Sum insured can be enhanced at the time of renewal only. In case of enhancement with one grid up, there is no requirement of medicals. However, in case of more than one grid up, policy holder may have to undergo medicals as stipulated by the company and the decision of enhancement will be done at the deiscretion of company
• Portability : Health Wallet offers you easy portability so if you are insured under another insurer's health insurance policy, you can transfer to Health Wallet with all your accrued benefits after due allowances for waiting periods and enjoy all benefits of Health Wallet.
• Free-look cancellation : We offer a period of 15 days from the date of receipt of the policy document to review the terms and conditions of this policy. In case of any objection, you have the option of cancel of policy and you shall be refunded the premium paid by you after adjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium
• Grace period : A grace period of 30 days for renewing the policy is provided under this policy

Know your plan better

• The health coverage ( best comprehensive cover ) :
  • Day one coverage for all hospitalisation arising out of Diabetes and Hypertension ( No waiting period )
  • In-patient hospitalisation
  • Pre and post hospitalisation cover of 30 and 60 days respectively
  • 182 day care procedures
  • Emergency ambulance coverage
  • Organ donor expenses
  • Shared Accommodation benefit
  • HbA1C Checkup benefit
  • Other Benefits :
  • Restore Benefit
  • Cumulative Bonus
    (Please refer policy wordings for detailed explanation)
• The wellness ( designed to manage your health ) :
  • Wellness Tests : Two complete medical checks administered during the policy year.
    • Wellness Test 1: HbA1C, Blood Pressure Monitoring, BMI
    • Wellness Test 2: HbA1C, FBS, Total Cholesterol, Creatinine, HighDensity Lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, Gamma- Glutamyttransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.

  Please note : For Gold Plan we offer wellness test on cashless basis if undergone at our network centers. However, in case you choose to undergo tests at a non-network ( but approved ) center we will reimburse a sum of up to Rs.2000/- only at the end of policy year. If your go for non-approved center, we will not be able to reimburse the amount or provide you reward points.

  • Wellness Support :
    • Access to a personalized wellness WEB PORTAL that tracks your medical values from various tests, stores all your medical records, helps you monitor your condition and provides you special offers for health products that you may need.
    • Personalized highly trained HEALTH COACH to guide, remind and create your personal diet and fitness plans.
    • MONTHLY NEWSLETTERS to provide you with important information on healthcare and management.
    • Access to a CENTRALIZED HELPLINE to answer any queries that you may have.
• The reward points ( reward for staying healthy ) :
  • Based on the results of your medical tests and key health parameters such as BMI, BP, HbA1c and Cholesterol we offer you incentives for staying healthy.
  • Renewal premium discounts of up to 25% for management of health conditions.
  • Reimbursement up to 25% of renewal premium towards your medical expenses ( like consultation charges, medicines and drugs, diagnostic expenses, dental expenses and other miscellaneous charges not covered under any medical insurance ).

Individual Personal Accident Insurance
Benefits :
Individual Personal Accident plan comes with multiple benefits to financially cover you and you family from life’s unexpected events.

• Hospitalization treatment with Restore benefit
• Income support ( Temporary total disability )
• Adventure sports
• Loan secure
• Head and spinal injuries
• Death and disability
• Elderly care
• Child Education
• Burns
• Pet care
• OPD treatment
• Fractures

Lumpsum payout irrespective of actual cost of treatment.
Benefits provided in addition to payouts under any other plan.

A smart health plan that guides you to wellness iHealth Plan

• Floater Option : Covers up to two adults and three children in a single policy
• Declared and accepted pre-existing diseases covered after 2 years
• No room rent capping for treatments anywhere in india
• Reset benefit up to 100% of basic sum insured
• Covers Day-Care procedures/treatments
• Covers 30 days Pre and 60 days Post hospitalization expenses
• No medical for high sum insured up to 50 lakhs
• Additional Sum insured of 10% of annual sum insured for every claim free year max of 50%
• Covers ambulance charges up to Rs.1,500 per emergency hospitalization
• Discount of 10% on opting 2 years policy tenure
• Complimentary health check-up every policy year
• Wellness program to incentive your healthy lifestyle
• Cashless hospitalization in network hospitals
• Claim Service guarantee for response within stated turnaround time limits
• Tax benefit under section 80D as applicable
• Add-on covers options available Hospital Daily cash + Convalescence Benefit or/and Critical Illness + Organ Donor Expense

Some Terms and conditions for this benefits also

Now top up your Health Insurance cover with Health Booster
Product Feautures

• Wide range of annual Sum Insured (5 lakhs to 50 lakhs) and flexible deductible options (3, 4 & 5 lakhs) to suit the needs
• In-patient Hospitalisation : Medical expenses as an in-patient for minimum hospitalisation of 24 hours
• 150 Day Care surgeries covered
• 60 days Pre, 90 days Post-hospitalisation expenses covered (upto Sum Insured)
• Domiciliary Hospitalisation Cover : Medical expenses incurred by you during your Domiciliary Hospitalisation (upto Sum Insured)
• In patient AYUSH treatment : Expenses for Ayurveda, Unani, Sidha and Homeopathy (AYUSH) treatment (upto Sum Insured”)
• Donor Expenses : Hospitalisation expenses as incurred by the organ donor for undergoing organ transplant surgery for your use(upto Sum Insured)
• Reset Benefit : Reset up to 100% of the Sum insured once in a policy year in case the Sum Insured including accrued Additional Sum Insured (if any) is insufficient due to previous claims in that policy year
• Accidental emergencies covered from day 1
• Various optional covers in one plan : Hospital Daily Cash, Convalescence Benefit, Personal Accident, Temporary Total Disablement, Critical illness
• Individual cover for each member of the family
• Floater option : Covers up to two Adults and three Children in a single policy
• Policy available in one, two or three year tenture (10%/12.5% discount on a 2/3 year policy)
• Pre-existing diseases covered after two continuous years of renewal

Get peace of mind with Secure Mind
Introduction
Changes in life and uncertainties wait at every corner. Important milestones such as children’s education, purchase of a house and its monthly loan instalments and ongoing expenses involved in everyday life are exposed to risk and may get disturbed
ICICI Lombard General Insurance Company Limited offers Secure Mind to protect your family from future uncertainties. An insurance plan to cover you from the most important threats that affect a person's financial stability.

Features:

• Lifetime Renewability
• Simple Health declaration required
• Easy Claim Settlement with minimal documentation
• Pre policy Medical check « up required for 46 years and above
• Tax benefit under section 80D Income Tax Act 1961

Basic Covers:

• In-patient Hospitalization : If you are admitted to a hospital for more than 24 hours of illness or injury, we will take care of the room charges, ICU expenses, nursing charges, doctor fees, surgeon fees, blood, oxygen, operation theatre charges and other medical expenses.
• Pre-Hospitalization : We will reimburse medical expenses incurred before the date of hospitalization.
• Post-Hospitalization : We don't just cover you when you are in the hospital, but are also with you through the recovery process. Medical expenses incurred after you are discharged will also be covered.
• Day Care Treatment : We will pay for medica! expenses if you undergo a treatment that needs less than 24 hours of hospitalization. We cover 500 plus listed Day Care procedures.
• Domiciliary Treatment : Medical treatment taken at home is also covered in case your condition is not suitable for hospital transfer or if there is no hospital bed available. Pre and Post hospitalization expenses up to 30 days each will also be covered.
• Ambulance Expenses : We believe that nothing should come between you and timely treatment. That's why you are covered for transportation expenses by an ambulance service provider to the hospital.
• Donor Expenses : We will cover in-patient hospitalization cost of the donor for a major organ transplant.
• Worldwide Emergency Cover : Emergencies will not necessarily hit you when in India. We will cover in-patient medical expenses for emergency treatment outside the country for full Sum Insured on re-imbursement basis once in a policy year.
• Restoration of Sum insured : You may claim for an illness and God forbid, there could be multiple unrelated illness/injury that requires you to get hospitalized. This benefit restores the Sum Insured any number of times under the policy to additional 100% in a policy year if the balance Sum Insured and Cumulative Bonus or Cumulative Bonus Booster (if any) is insufficient to settle a claim (for unrelated illness/injury).
• AYUSH Cover : We will cover in-patient medical expenses up to the limit of Sum Insured toward non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute.
• Health Maintenance Benefit : An illness, no matter how small, needs attention. And we make sure that happens. We will cover costs of doctor fees, diagnostic tests, drugs, dental treatments and alternative medicines upto the reimbursement limit under each plan. Fresh coverage will be available at each policy year.
  • You can even choose a plan which allows:
    • Carry forward of unutilized HMB balance each year on renewal
    • Utilization of HMB amount up to 50% towards payment of premium from 1st renewal
    • Utilization towards payment of deductible or co-pay (if any) and non-admissible expenses
    • Bonus @ 5% on any unutilized HMB at renewal.
• Maternity Expenses : We will cover expenses for the delivery/medically necessary termination of pregnancy (maximum up to 2 events) during the lifetime of an insured between 18 to 45 years after a waiting period of 48 months.
• New Born Baby Expenses : Until the baby is 90 days old, we will cover medical expenses incurred towards the treatment of the child within maternity expenses limit.
• First Year Vaccination : We will also pay for vaccination charges for your baby till he/she completes 12 months.

CRITICAL CARE BENEFITS AT A GLANCE

• You get the entire Sum Insured on the first diagnosis of any of the 30 critical illnesses. You also get the benefit of additional 10% of the Sum Insured in case you opt for staggered claim payment
• You can choose from a wide range of Sum Insured options (up to Rs.3 cr) to suit your requirements
• You can take protection up to 10 times of your annual income
• The Individual Plan covers you and your family members.You can avail of a discount of 10% for covering more than 2 family members under the same policy
• It offers flexible policy tenure and allows you to enjoy a discount of 7.5% and 10% on selecting a 2 and 3 years single premium policy respectively
• You have an option to avail an annual premium instalment for 2 and 3 years policy
• Sum Insured above Rs.3cr will be considered on case-to-case basis.

ACCIDENT CARE BENEFITS AT A GLANCE

• Accidental Death : We will pay 100% of Sum Insured in case of an accidental death. However, if death occurs while travelling as a fare-paying passenger on a common carrier, we'll pay 200% of the Sum Insured.
• Permanent Total Disablement : We will pay 100% of the Sum Insured in case of permanent total disability due to an accident. If permanent disability occurs while travelling as a fare-paying passenger on a common carrier 200% of Sum Insured will be paid.
• Permanent Partial Disablement : We will pay a fixed percentage of the Sum Insured up to 100% as per the nature of disability.
• Emergency Ambulance Cover : We will pay a lump sum amount (a maximum up to 710,000 basis Sum Insured selected) for transportation expenses on emergency ambulance services.
• Orphan Benefit : We understand the financial turmoil the family may encounter in case of accidental death of the parents. We will pay an amount equal to the Sum Insured towards the dependant child as orphan benefit.
• Loss of Employment : We want you to be financially independent even in case of a permanent total or partial disablement due to an accident. We will pay basic monthly income for 3 months basis your last salary slip or income tax return as applicable.
• Funeral Expenses : We will make a one-time payment of 25000 for Sum Insured up to 50 lacs, and %10,000 for Sum Insured above 50 lacs towards funeral or cremation expenses.
• Education Fund : We want your child’s education to go on unaffected even in your absence or in case of permanent disability. We will make a one-time payment equal to 10% of Sum Insured per surviving dependant child for a maximum of 2 children subject to a maximum limit of 710 lacs per policy.
• Temporary Total Disablement : We will pay a weekly benefit for 1% of Sum Insured (following an accident), subject to a maximum of 725,000 per week up to 100 weeks.
• Burns Benefit : On suffering from accidental burns we will pay the fixed percentage of Sum Insured ranging from 10% to 100% depending on the degree of burns.
• Broken Bones Benefit : A lump sum payment will be made as per policy terms in the event of a fracture of bones due to an accident (excludes hair line fracture).
• Coma Benefit : We will pay 25% of the Sum Insured as lump sum in the event of an insured moving into a comatose state due to an accident.

A Health Insurance Plan with a host of smart features to give you everything you need in a health cover. It is truly the smarter way to manage your entire family’s health.

• Sum Insured up to 1 crore
• 30 minutes* cashless claim facility
• No claim bonus : 20% increase in base sum insured and principal remains untouched even if a claim is made
• No room rent capping*
• Refill benefits : Sum Insured reinstates if 2 claim is made of a different illness/injury during the same policy year.
• Alternative treatments like Ayurveda & Unani

*except suite & above

A comprehensive cover that pays attention to the finer details :

• Comprehensive pre & post hospitalisation coverage
• Maternity and new born benefits
• Cashless claims processed within 30** minutes
• Health check up
• Alternative treatments

Health Recharge — A super top up plan with uniqueness of conversion after 5 yrs

• Coverage from 5 lac to 95 lac.
• Inpatient benefit covered up to SI.
• AYUSH treatment covered. Pre & post hospitalization also covered for the same.
• No Sublimit on room rent , Single private room eligibility as room type.
• Pre & post hospitalization covered for 60 and 90 days respectively, & covered up to sum insured.
• Loyalty bonus will be added by 5% every year, Max. up to 50% of base SI, Irrespective of claim status.
• All Day Care procedures are covered.
• Ambulance up to Rs. 1500/- Per Hospitalization.
• Coverage for HIV/AIDS, Mental illness, Artificial life maintenance & Modern day treatment Adult Entry age 18, max entry age 65 yrs. Child - 91days-25yrs, Up to 2A + 4 Child.
• Cashless approval in hospital within 30 min (No Third Party — TPA involvement).
• Unlimited e-consultation for normal day to day illnesses.
• Organ transplant covered up to sum insured.
• ( optional ) Personal accident cover provides 100% SI on accidental death & 125% of SI on Accidental total permanent disability
• ( optional ) Critical illness cover provides 100% of SI on diagnosis of disease out of 20 critical illness.
• Option to convert in a normal policy after S yrs and before age 50.

The incredible benefits that make the Personal Accident Policy a smart choice:

• 5% increase in Capital fund Sum Insured (CSI) : The policy provides a 5% increase in CSI ( in case of Death or Permanent Total Disablement ) for each completed claim free year of insurance, subject to a maximum of 50%,
• Education fund for children : This Policy also pays for education fund of two children in case of death of the policyholder.
• Reimbursement of Medical expenses – You can also avail the benefit of reimbursernent of actual medical expenses incurred following an accident up to 40% of the compensation paid or 20% of the CSI, under the policy whichever is lower. This benefit is available on payment of an extra premium of 20%.
• Carriage of dead body : The Policy further provides for reimbursement of transportation of dead body to the place of residence up to Rs. 25000/-
• Worldwide Coverage : Worldwide round the clock insurance protection

What does this policy cover
The policy provides for financial compensation in the unfortunate event of an accident leading to death or disablement of the insured. The scale of benefits payable is described below :

In addition to hassle-free claims, we believe you deserve distinct benefits for choosing Car, and they come your way in the form of thoughtfully designed product & service features :

• Wide range of Sum Insured options of up to INR 75 Lakhs**
• Annual health check-up for all insured members including children
• Covers non-allopathic treatments like Ayurveda, Homeopathy, unani & Sidha up to a specified limit and varies with plan choosen
• Comes with an In-built maternity cover of up to INR 1 Lakh available with sum insure options of INR 50, 60 & 75 Lakhs
• Automatic recharge of Sum Insured if claim amount exhausts your coverage ( this feature can be availed unlimited times by availing “Unlimited Automatic Recharge ( Optional Cover ) ) ”
• Covers more than 540 day care treatments
• Option to avail personal accident cover
• No upper-limit entry age for any of our plans
• Avail medical treatment anywhere in the world for 12 illnesses through benefit ‘Care Anywhere’ on cashless basis
• Increase sum insured of your existing policy, at your convenience ( subject to underwriting )
• Ease of cashless treatment & settlement of claims directly by the company
• Up to 150% increase in Sum Insured with No Claim Bonus and No Claim Bonus Super ( Optional Cover ) in 5 consecutive claim free years

KEY HIGHLIGHTS:-

• High Sum Insured
• Affordable Price
• All Category Room allowed
• Automatic Recharge
• No Claim Bonus
• Section 80D Benefit

PLAN CONDITION

POLICY BENEFITS:-

• No Maximum Age Limit
• No Pre Policy Check up
• Reduced PED Wait Period
• No Claim Bonus
• Cardiac Health Check-up Free Every year

• No Medical Tests, Faster Issuance
• Critical Illness Patient can apply with Permanent Exclusion
• PED covered after 2 Yrs
• Recharge Benefit
• Annual Health Check-up
• Consumable Allowance
• Affordable Premium
• Daily Allowance
• No Loading of premium

Annual Free Health Check-up

• Complete Blood Count with ESR
• Urine Routine
• Blood Group,
• Fasting Blood Sugar
• Lipid Profile
• Kidney Function Test
• ECG

Affordable Health Insurance Plan for Senior Citizens

• Affordable Premium
• Available in individual & Floater option
• Pre-policy Medical Check -up NOT REQUIRED ( Issuance Basis Tele Underwriting )
• Increase in Sum Insured with No Claim Bonus + No Claim Bonus SUPER ( Options! Cover }
• Recharge of Sum insured
• Complimentary Annual Health Check-up for All insured Members every year
• Tenure Options available: 1/2/3 Years.
• Tax saving under Section 80D
• Choice of Optional Covers:
  • OPD Care - Covers expenses related to Doctor Consultation, Diagnostics & Pharmacy
  • No Claim Bonus SUPER
  • Smart Select Discount

KEY FEATURES AND ADVANTAGES

KEY FEATURES

• Auto reinstatement of Sum Insured equal to the base amount, if exhausted , at no additional premium
• No pre. medical test up to the age of 55 years for people with no medical history
• Wide coverage from Rs.10 lakhs up to Rs. 30 lakhs
• No claims bonus of 10% every (maximum up to 50%)
• Reimbursement of health check-up up to Rs.5000 in caseof no claims for consecutive years
• Tax deduction under Sec 80D (Tax benefits are subject to change in tax laws)

KEY ADVANTAGES

• Gives your financial Security and peace of mind even if you have made a claim
• Relaxed age limit and hassle free buying process
• Covers a wide range of medical conditions and situations.
• Accumulated bonus increases your Sum Insured which can be used later
• Health check-up at regular intervals helps you manage your health better
• Helps you save tax

What are the key benefits of the Policy?

• No pre-policy medical test up to the age of 55 years for people with no medical history.
• Multiple coverage options - Individual & Family Floater options.
• OPD expenses as specified in the policy schedule
• 142 Day Care expenses covered
• Coverage of Pre and Post Hospitalisation Expenses - 60 days before and 90 days after the hospitalisation.
• Maternity Expenses covered upto the OPD limit
• Sum Insured option of Rs.1,00,000, Rs.2,00,000 and Rs.3,00,000.
• Save tax under Sec 80 D (Tax benefits are subject to change in tax laws)

What are the key benefits of the SBI General's Health Insurance Policy - Retail?

• Wide Coverage — From Rs.50,000 up to Rs.500,000
• No medical test up to the age of 45 for people with no medical history
• Family Floater benefit giving comprehensive protection to your family members under one single Policy
• Flexible Plan Options — Metro Plan, Semi Metro Plan & Rest of India
• Add-on Covers available including removal of sub-limits on Room & ICU rent, Operation and Consultancy charges
• Assured renewal
• You can now renew your current Health Insurance Policy (any Insurer) with us through portability
• The premium paid is exempt from Income Tax under Sec 80 D of Income Tax Act (Tax benefits are subject to change in tax laws)
• Coverage of Pre and Post Hospitalisation Expenses - 30 days before and 60 days after the hospitalisation
• Free Medical check-up for every 4 claim free years up to a maximum limit of Rs.2,500

What are the key benefits of the Policy?

• No pre-policy medical test up to the age of 55 years for people with no medical history.
• 142 Day Care expenses covered.
• Coverage of 60 days for Pre Hospitalisation & 90 days for Post Hospitalisation expenses.
• Maternity Expenses covered after first 9 months waiting period
• Covers organ donor expenses.
• Option for Reinstatement of Sum Insured on payment of additional premium.
• Wide coverage - From Rs.1,00,000/- up to Rs.50,00,000/- with deductible option of Rs.1,00,000/- to Rs.10,00,000/- (in the multiples of 1Lac)
• Save tax under Sec. 80D (Tax benefits are subject to change in tax laws)
• Ambulance expenses upto Rs.5000/- per valid hospitalisation claim event
• Alternative treatment under AYUSH covered

What are the key benefits of the Policy?

• Coverage against 13 critical illnesses
• Maximum age of entry is 65 years
• Two Plan Options - 1 year and 3 years
• Up to Rs.50,00,000 Sum Insured
• Free Look Period of 15 days
• Save Tax under Sec 80D ( Tax benefits are subject to change in Tax laws )

When health issues can’ be predicted, health insurance is the best option available to overcome the heavy financial loss that occurs in the form of hospitalization and medical expenses.
The right decision of urchasing a health insurance policy should complement the wise move of picking the right one. Precise to say, having a policy that offers complete protection is more essential than just having a health insurance cover.
Presenting STAR Comprehensive Insurance Policy with renewed features. This policy is carefully crafted to offer complete protection against all health care eventualities for an entire family on individual and floater basis

• Eligibility
  • Entry age between 3 months and 65 years
  • Lifelong renewals guaranteed
  • No exit age
  • Policy Type : Individual / Floater (Family Size : Maximum 2 Adults + 3 Dependent Children)
  • Dependent children (those who are economically dependent on their parents) can be covered upto 25 years of age.
• Sum Insured Options : Rs.5,00,000; Rs.7,50,000 - Rs.10,00,000; Rs.15,00,000; Rs.20,00,000; Rs.25,00,000; Rs.50,00,000; Rs.75,00,000; Rs.1,00,00,000
• Policy Term : 1 Year and 2 Years
• Pre-acceptance medical screening : No Pre-acceptance medical screening
• Day Care Procedures : All Day Care Procedures are covered
• Midterm inclusion of newly married / wedded spouse and New Born Baby is permissible on paying additional premium. The intimation about the marriage / new born should be given within 60 days from the date of marriage or new born. The cover will be from the date of payment of premium.

Turning sixty is a major milestone and for people, a time to start being more careful about their health. It is a matter of concem that insurance policies are hardly available to address this critical requirement.
STAR Health's Senior Citizens Red Carpet Health Insurance Policy is aimed specifically at senior Citizens. It provides cover to anyone from the age of 60 and permits entry right up to the age of 75 with continuing cover thereafter till lifetime. It is our way of caring for a generation that has done so much to build the country we have today.

• Eligibility :
  • Entry age between 60 and 75 years
  • Guaranteed Lifelong renewals.
• Policy Term : The policy is available for 1/2/3 years which can be renewed. Where the policy is issued for more than 1 year, the Sum Insured is for each year, without any carry over benefit thereof.
• Policy Type : Available on Individual Sum Insured and Floater Sum Insured basis. Floater Sum Insured basis means the sum insured floats amongst the insured persons
• Day Care Procedures : All day care procedures are covered.
• Sum/Insured Options

Sum insured on Individual Basis	Sum insured on Individual and FLoater Basis
1,00,000/- 2,00,000/- 3,00,000/- 4,00,000/- 5,00,000/- 7,50,000/-	10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/-

• Pre-acceptance Medical Screening : No pre-acceptance medical screening. However if following medical records of the person proposed for insurance are submitted, a discount of 10% of the premium is allowed.
  • Stress Thallium Report
  • BPReport
  • Sugar (blood & urine) - Fasting / Postprandial
  • Blood urea & creatinine

The tests should have been taken within 45 days prior to the date of proposal. If the prospect submits these documents at the time of proposal or at the time of renewal, the discount will be given for all subsequent renewals if the policy is renewed continuously without break.
For Floater Policies both self and spouse should submit the medical report to avail discount Medical examination may also be done by the Company for those who declare adverse medical history. At present, 100% cost of such medical examination is borne by the company. Under all circumstances, the proposer will be intimated in advance about the need to undergo medical examination.

Traditional health policies offer basic cover plan for the insured. But foreseeing the magnitude of health problems is as difficult as predicting a health problem itself. Sometimes ailments and related complications demand much more than what we are prepared for.
Star Health brings you Super Surplus insurance. It offers much larger coverage than the ones offered by basic plans. So, no matter what, you are always prepared to face the most unfortunate of health eventualities.

• Eligibility
  • Any person aged between 18 years and 65 years
  • Family: Self, Spouse and dependent children from 91 days up to 25 years (children those who are economically dependent on their parents)
• Policy Term: 1 year
• Renewal : Lifelong renewals guaranteed
• Policy Type : individual
• Pre-acceptance Medical Screening (both Silver and Gold Plans) : No Pre-acceptance medical screening is required
• Day care Procedures : Ali day care procedures are covered
• Plans Offered : Two Plans: Silver and Gold Plan(Table)

Key Benefits

• Range of benefits : Indemnity based health insurance cover with range of benefits without any sub-limit unless otherwise mentioned.
• Network of hospitals : We are equipped to offer you quality health care with our strong network of 4000+ hospitals across India.
• Lifelong renewal : We offer you a lifelong renewal for your policy provided premium is paid without any break. Your premiums will be basis the age, sum insured and plan.Your renewal premium will be basis your age on renewal and there will be no extra loadings based on your individual claim.
• Global Cover : We will cover Medical Expenses of the Insured Person incurred outside India, upto the sum insured provided that the diagnosis was made in India and the insured travels abroad for treatment.
• Bariatric Surgery Cover : Covers reasonable and customary expenses for Bariatric surgery if the insured fulfills listed conditions as mentioned in the policy.
• Sum Insured Restore Benefit : If Your Sum Insured including cumulative bonus is completely utilized during the policy period, an additional amount equivalent to the base Sum Insured will be restored once during the policy period and can also be used for admissions due to related illness/diseases after 45 days from the date of discharge of the earlier claim . This benefit cannot be carried forward to subsequent renewals.

Key Benefits

• No money worries, no stress : We give the entire coverage amount in a lump-sum.
• Our checklist for critical ailments : Heart attack, Cancer, Stroke, Open chest CABG, Kidney failure, Organ transplant, Bone marrow transplant, Blindness, Coma, Major burns, Multiple Sclerosis and Paralysis are the critical illnesses covered.
• Go for a second opinion : Assailed by doubts regarding your diagnosis? Go to another doctor/hospital for a second opinion. It's all covered.
• Enhance your sum assured : If you later decide to increase your coverage amount, our ‘Sum Insured Enhancement’ feature can kick-in during your policy renewal.

Covers to protect you:
To help minimise your problems leading from an accident, this policy will

• Pay the Principal Sum shown in the Policy Schedule in case of an injury that leads to loss of life
• Compensate you if an injury leads to dismemberment
• Pay weekly benefit in case of continuous Temporary Total Disability, for the entire duration of the disability
• Pay benefit amount towards children’s education in case of you meet an unfortunate event.
• Pay repatriation expenses if the accidental death happens away from the place of your residence
• Reimburse transportation cost for family members if you are hospitalised more than 150 km from home, with a physician's recommendation after you meet an accident.
• Pay double Accidental Dismemberment Benefit for Eligible Children covered and payable under the policy
• Reimburse if injury causes any one of the losses mentioned in the Table of Losses
• Reimburse the cost of modifying vehicle or house to make it more accessible in case of an accidental disability.