|Sum Insured(SI) in ₹ INR||Individual Base Sum Insured 2 lacs | 3 lacs | 5 lacs | 10 lacs | 15 lacs
Floater Sum Insured 3 lacs | 4 lacs | 5 lacs | 10 lacs | 15 lacs | 20 lacs | 25 lacs | 50 lacs
|Inpatient Care||Covered up to Sum Insured|
|Pre and post hospitalization expenses||60/90 days, Covered upto Sum Insured|
|All Day care procedures||Covered up to Sum Insured|
|Organ Donor Expenses||Covered up to Sum Insured|
|Ambulance Cover||Up to INR 4,000, per event of hospitalization for every insured member|
|No-Claim Bonus||20% of Base Sum Insured up to a max of 100%|
|Re-load of Sum Insured||Up to Base Sum Insured, once during the policy year|
|Vaccination in case of Animal Bite||Upto INR 5,000|
|Ayush Treatment||Government Hospitals – Covered upto Sum Insured Other Hospitals – Covered upto Rs. 30,000|
|Domiciliary Hospitalization||Covered upto Sum Insured|
|Second Opinion for 11 specified CriticalIllness||Available Once During The Policy Year|
|Emergency Domestic Evacuation (Bed To Bed on Advise of Treating Doctor)||Covered up to INR 100,000|
|Health & Wellness Benefits|
|Preventive Healthcare & Wellness||Available|
|Maternity cover for up to 2 deliveries||INR 50,000|
|New Born Baby Cover||Base SI of mother|
|Vaccinations for new born baby in the first year||Up to INR 10,000|
|Nutritional Allowance for Mother post discharge||Up to INR 10,000|
|Customer Level Options|
|Hospital Cash (For 30 Days in case of Hospitalisation Beyond 2 Days)||INR 2,000 per day|
If you ever exhaust your health cover due to claims in a given year and there is a further claim either by you for a different illness or your insured family member, we will reload the entire sum insured of your policy at no extra cost. Reloaded sum insured will help you to settle those claims. Reload of Sum Insured is triggered when the claim amount exceeds the available sum insured including the NCB for a different illness or different person. Restore will not be triggered for second claim (of different illness or different person) of Rs.1lac and only Rs.50,000 will be paid. Whereas, Reload will be triggered and entire Rs,1lac will be paid).
Lifeline offers 10% of Sum Insured upto a max of 50% of Sum Insured for Classic Plan and 20% of Sum Insured upto a max of 100% for Supreme and Elite plan. Unlike NCB offered by other policies, there is no penalty in case of claim. Thus NCB earned by you remains as is even if you claim. For eg, if you have a policy with SI of Rs.5lacs (Supreme Plan) and there has been no claim in the first year, then at the time of renewal you will get a NCB of 20% (Rs.1lac). In second year, if you claimed then on second renewal your NCB of Rs.1lac will remain intact and it will not be reduced.
Absolutely! With employee health cover the major drawbacks come in picture when you leave your job that's when your policy goes out of action and exposes you to health risks. Your new employer may or may not cover you sufficiently. Also, having your own policy means a better buying decision and complete control to buy a cover which suits your requirement from time to time.
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.
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