Health Suraksha
Today, healthcare is at its all-time-high when it comes to treatment costs. In the event of an unforeseen illness, you may have no option but to utilize your hard earned savings steadily built throughout your life time.
With Health Suraksha, you're provided an optimal coverage for your treatments including all pre and post hospitalization costs. Now make sure that you use your hard-earned savings for the real reasons - Be it your child's higher education or his/her dream wedding, a well deserved family vacation or just about anything you dreamt of all your life!
Features and Benefits
Features
Schedule of Benefits- Individual and Family Floater
| Basic Sum Insured per Policy Year | Rs. 2,00,000; Rs. 3,00,000; Rs. 4,00,000 |
| In-patient Treatment | Covers hospitalisation expenses due to sickness or accident up to the Policy Sum Insured |
| Pre-hospitalisation | Pays for medical expenses incurred 60 days immediately before hospitalisation |
| Post-hospitalisation | Pays for medical expenses incurred 90 days immediately post-hospitalisation |
| Day Care Procedures | Pays for 141 listed day care procedures which do not require 24-hours hospitalisation, due to technological advancement |
| Domiciliary Treatment | Pays for expenses incurred for medical treatment taken at home, on the advice of a physician |
| Organ Donor | Pays for medical expenses for harvesting a donated organ |
| Emergency Ambulance (Limit per hospitalisation) | Pays up to a maximum of Rs. 2,000 for utilising an ambulance, during an emergency |
| Ayurvedic / Homeopathic | Pays for medical expenses for in-patient treatment under Ayurveda, Unani, Siddha or Homeopathy. Pays up to 20% of Sum Insured; Maximum Rs. 20,000 (for Policy Sum Insured 2L & 3L) and Rs. 25,000 (for policy Sum Insured Rs. 4L) |
| Cumulative Bonus | 5% increase in Sum Insured for every claim-free year; up to maximum 50% |
| Health check-up | Pays up to 1% of Sum Insured; Maximum Rs. 5,000 |
Benefits
- Get optimum coverage at an affordable price
- Avail the option to cover on individual or family floater basis
- Go for an annual or two-year policy
- Enjoy cumulative bonus for each claim-free year
- Get the cost of health check-ups after four claim-free years
- Enjoy cashless claims across a network of 4,200+ hospitals in India
- Avail Income Tax benefits under Section 80D of the Income Tax Act
- Loan processing with minimum documentation and turn-around times
Exceptions
- 30-day waiting period
- 2-year waiting period for specific illnesses and treatments like internal tumours, cysts, surgery on tonsils and sinuses, etc.
- Pre-existing conditions (until 48 months of continuous coverage)
- War or any act of war
- Any breach of any law with criminal intent
- Self-destruction or self-inflicted injury, attempted suicide or suicide
- Terrorism, war or radioactivity
- Any claim arising out of the use of intoxicating drugs and alcohol
- AIDS/HIV
- Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment
- All preventive care, vaccination including inoculation and immunisations
Application Process
It just takes a few simple steps to get insured. Apply today and manage your finances easily.