Future Health Surplus is a high deductible health insurance plan which can easily act as a top up to one’s existing basic health insurance, which covers medical expenses from hospitalisation following a sickness or accident. Given that at these times, when medical expenses are getting beyond everyone’s reach, this is an ideal way to enhance coverage with reasonable additional premium.
|Sum Insured (₹ INR)||Deductible per hospitalisation (₹ INR)|
Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.
The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!
A waiting period is the length of time you, the insured, will have to wait before the benefits under the health policy can be utilised.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more