Benefits:

• Hospitalisation Cover - In-patient hospitalisation expenses for a minimum of 24hours. This includes room rent & boarding @ 2% of sum insured subject to a maximum of Rs.4000/- per day.
• Nursing expenses.
• Surgeon's fees,Consultant's fees,Anaethetist's fees.
• Cost of blood,oxygen,diagnostic expenses, cost of pacemakers.
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient to the hospital @ Rs.750/- per hospitalisation and Rs.1500/- per policy period.
• Pre-hospitalisation medical expenses up to 30 days prior to date of admission into the hospital.
• A lumpsum calculated at 7% of the hospitalisation expenses payable towards post-hospitalisation,subject to a maximum of Rs.5000/- per occurrence as per the policy.
• Non-allopathic treatments up to Rs. 25,000/- per occurence, subject to a maximum of 25% of Sum insured per policy period.
• No claim discount ranging from 5% to 25% for every Claim - free year(except for the Family Package).

Optional benefits on payment of additional premium

• Hospital Cash- Provides for payment of Rs.500/- for each completed day of hospitalisation. Premium ranging from Rs.200 to Rs. 350 per person, depending upon the age.
• Patient Care- Available for persons above 65 years. The Policy provides payments for attendants post discharge from the hospital @ Rs.400 per day for 5 days per hospitalization. The applicable premium would be Rs. 300 per person.
• New Born Baby cover - Available with Family package plan and provides for your New - Born from birth until the end of the policy period. The cover is restricted to 10% of the sum insured of the mother. The applicable premium would be 10% of policy premium.

How much to pay (for individuals)

• Expenses incurred for treatment of any illness/disease/condition, which is pre-existing at the time of commencement of insurance.
• Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement of the policy.
• First Year Exclusions- Hernia,Piles,Hydrocele,Congenital internal disease/defect,Sinusitis,Gall Stone/Renal Stone removal/treatment,and Benign Prostrate Hypertrophy.
• Two Years Exclusions - Hysterectomy,Cataract,Joint/Knee replacement surgery (other than caused by an accident). Prolapsed intervertibral Disc.Varicose veins/ulcers.
• Naturopathy treatment. Expenses, which are purely diagnostic in nature with no positive existence of any disease.
• Expenses that are mainly cosmetic in nature.

How to buy this insurance?

• Please contact 98410-74702 at Chennai or write to eswarrj@gmail.com

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