LIC, Health, Motor, Travel Insurance Delhi/Noida/Greater Noida: health insurance

Showing posts with label health insurance. Show all posts
Showing posts with label health insurance. Show all posts

Monday, January 16, 2023

LIC Of INDIA

Individual, Group, Family Health Insurance

We understand that choosing the right health insurance plan can be overwhelming, which is why we're dedicated to providing our clients with the information and resources they need to make an informed decision. Our team of experienced insurance professionals is here to help you navigate the complex world of health insurance, and find a plan that meets your needs and budget.


We offer a wide range of health insurance options, including:

Individual health insurance plans for individuals and families

Group health insurance plans for businesses and organizations

Medicare and Medicaid plans for seniors and low-income individuals

Short-term health insurance for temporary coverage

Dental and vision insurance for added protection


Individual health insurance is a type of insurance that is designed for individuals, rather than groups or families. This type of insurance typically provides coverage for medical expenses, including doctor's visits, hospital stays, and prescription drugs. It is usually purchased by people who do not have access to group health insurance through their employer or are self-employed.


Group health insurance is a type of insurance that is provided to a group of people, usually through an employer or other organization. This type of insurance typically covers medical expenses for employees, their dependents, and sometimes even retirees. Group health insurance is often more affordable than individual health insurance because the cost is spread out among a larger number of people.


Family health insurance is a type of insurance that is designed to provide coverage for a family, rather than an individual or group. This type of insurance typically covers medical expenses for a husband, wife, and their children. Family health insurance plans often include coverage for preventative care, such as immunizations and routine check-ups, as well as coverage for more serious medical conditions.


When it comes to choosing between individual, group, and family health insurance, it's important to consider factors such as cost, coverage, and the specific needs of you and your family. For example, if you're single and don't have any dependents, an individual health insurance plan may be the best choice for you. On the other hand, if you have a family and are looking for comprehensive coverage, a family health insurance plan may be a better option.


In summary, individual health insurance is for one person, group health insurance is for a group of people, and family health insurance is for a family. The choice will depend on your specific needs, budget, and the coverage you require.


In addition to our comprehensive insurance options, we also have a user-friendly website that allows our clients to easily compare plans, get a quote, and enroll online. Our online portal also allows our clients to view their policy details, make payments, and access claim forms.


We pride ourselves on providing excellent customer service and are dedicated to helping our clients understand their health insurance options. If you have any questions or need assistance, please don't hesitate to contact us.


We are dedicated to providing our clients with the best possible health insurance options at an affordable price. Contact us today to learn more about our plans and how we can help you and your family stay protected. 

Friday, November 10, 2017

LIC Of INDIA

LIC Cancer Cover Plan No. 905 Features & Details

LIC CANCER COVER Plan No. 905 is a non-linked, regular premium payment health insurance plan which provides fixed benefit in case the Life Assured is diagnosed with any of the specified Early and/or Major Stage Cancer during the policy term.


This plan has two benefit options and premium rates will vary depending on the option chosen.

Option I Level Sum Insured:

The Basic Sum Insured shall remain unchanged throughout the policy term.

Option II Increasing Sum Insured:

The Sum Insured increases by 10% of Basic Sum Insured each year for first five years starting from the first policy anniversary or until the diagnosis of first event of Cancer.

The benefits payable under the plan shall be based on the applicable Sum Insured, where the Applicable Sum Insured shall be equal to

  • The Basic Sum Insured for policies taken under Option I; or
  • Basic Sum Insured during first year and Increased Sum Insured thereafter, as per the provisions in Option II above

LIC CANCER COVER Plan No. 905 Features & Benefits:

Early Stage Cancer:

Provided the policy is in force, on first diagnosis, of any one of the specified Early Stage Cancers.

  • Lump sum benefit: 25% of Applicable Sum Insured shall be payable.
  • Premium Waiver Benefit: Premiums for next three policy years or balance policy term, whichever is lesser, shall be waived from the policy anniversary coinciding or following the date of diagnosis. Premium(s) falling due from the date of diagnosis and before the next policy anniversary shall be deducted from the claim amount as mentioned under Para 9 of this circular.

Major Stage Cancer:


Provided the policy is in force, on first diagnosis of any one of the specified Major Stage Cancers.

Lump Sum:

100% of Applicable Sum Insured less any previously paid claims in respect of Early Stage Cancer shall be payable.

LIC Cancer Cover Income Benefit:

In addition to above lump sum benefit, Income Benefit of 1% of Applicable Sum Insured shall be payable on each policy month following the payment of Lump Sum, for a fixed period of next ten years irrespective of the survival of the Life Insured and even if this period of ten years goes beyond the policy term. In case of death of the Life Assured while receiving this Income Benefit, the remaining instalments, if any, will continue to be paid to his/her nominee.

LIC Cancer Cover Premium Waiver Benefit:

All the future premiums shall be waived from the next policy anniversary and the policy shall be free from all liabilities except to the extent of Income Benefit as specified above. Premium(s) falling due from the date of diagnosis and before the next policy anniversary shall be deducted from the claim amount as mentioned under Para 9 of this circular.


Maturity Benefit under Cancer Cover Plan 905 :


There is no maturity benefit payable under this plan.

Death Benefit under Cancer Cover Plan 905 :


There is no death benefit payable under this plan.

ELIGIBILITY CONDITIONS AND RESTRICTIONS:

Minimum age at entry: 20 years (completed)
Maximum age at entry: 65 years (last birthday)
Minimum Policy Term: 10 years
Maximum Policy Term: 30 years
Minimum cover ceasing age: 50 years
Maximum cover ceasing age: 75 years
Minimum Premium:Rs. 2400/- p.a. for all modes
Minimum  Basic Sum Insured: Rs.10,00,000/-
Maximum Basic Sum Insured: Rs. 50,00,000/-


The maximum Basic Sum Insured under this plan shall not exceed an overall limit of Rs. 50 lakh taking all existing Critical Illness Cover policies and Basic Sum Insured under this plan in respect of existing policies as well as new proposal under consideration.


LIC CANCER COVER Plan No. 905 Chart

LIMITS AND RESTRICTIONS in LIC Cancer Cover :


The list and definitions of the Cancer covered under this plan:

Early Stage Cancer:

The diagnosis of any of the listed below conditions must be established by histological evidence and be confirmed by a specialist in the relevant field.
  • Carcinoma-in-situ :
Carcinoma-in-situ means the presence of malignant cancer cells that remain within the cell group from which they arose. It must involve the full thickness of the epithelium but does not cross basement membranes and it does not invade the surrounding tissue or organ. The diagnosis of which must be positively established by microscopic examination of fixed tissues.
  • Prostate Cancer – early stage:
Early Prostate Cancer that is histologically described using the TNM classification as T1N0M0 with a Gleason Score 2 (two) to 6 (six).
  • Thyroid Cancer – early stage:
All thyroid cancers that are less than 2.0 cm and histologically classified as T1N0M0 according to TNM classification.
  • Bladder Cancer – early stage:
All tumors of the urinary bladder histologically classified as TaN0M0 according to TNM classification.
  • Chronic Lymphocytic Leukaemia – early stage:
Chronic Lymphocytic Leukaemia categorized as stage 0 (zero) to 2 (two) as per the Rai classification.
  • Cervical Intraepithelial Neoplasia
Severe Cervical Dysplasia reported as Cervical Intraepithelial Neoplasia 3 (CIN3) on cone biopsy.

The following are specifically excluded from all early stage cancer benefits (Exclusions):
• All tumors which are histologically described as benign, borderline malignant, or low malignant potential
• Dysplasia, intra-epithelial neoplasia or squamous intra-epithelial lesions
• Carcinoma in-situ of skin and Melanoma in-situ
• All tumors in the presence of HIV infection are excluded

Major Stage Cancer:


A malignant tumor characterized by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy. The term cancer includes leukemia, lymphoma and sarcoma.

The following are excluded from major stage cancer benefits (Exclusions):

• All tumors which are histologically described as carcinoma in situ, benign, pre- malignant, borderline malignant, low malignant potential, neoplasm of unknown behavior, or non-invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 and CIN-3.
• Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph

nodes or beyond;
• Malignant melanoma that has not caused invasion beyond the epidermis;
• All tumors of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0
• All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
• Chronic lymphocytic leukaemia less than Rai stage 3
• Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification,
• All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50 HPFs;
• All tumors in the presence of HIV infection.
The explanation of TNM and Rai classification is as given below: TNM Classification:
TNM classification referenced above is as per the 7th edition 2010 AJCC Cancer Staging Manual. A brief explanation of the TNM classification is provided below.
The TNM classification system is internationally recognized and is used to stage and measure a tumour. The “T” element measures the size and extent of the primary tumour, “N” element measures the degree of spread to regional lymph nodes and the “M” element measures the presence of distant metastasis (spread of cancer from one part of the body to another part of the body).

Rai Classification:

Any reference to ‘Rai classification’ will be in accordance to the table mentioned below

Stage Description
0 Lymphocyte count >15,000mm3 (15 x 109/L)
No other abnormalities i.e. no lymph nodes, no hepatosplenomegaly, hemoglobin >11 g/dl, platelets
>100,000mm3
I Lymph nodes present
II Enlarged liver or spleen
III Anemia - hemoglobin <11 g/dl
IV Thrombocytopenia - platelets <100,000mm3

Early Stage Cancer Benefit shall be payable only once for the first ever event and Life Assured shall not be entitled to make another claim for the Early Stage Cancer of same or any other cancer. However, the coverage for the Major Stage Cancer under the policy shall continue until the policy terminates.

Once a Major Stage Cancer Benefit is paid no payment for any future claims under Early Stage Cancer or Major Stage Cancer would be admissible.

Total benefit under the Policy including Early Stage Cancer Benefit and Major Stage Cancer Benefit shall not exceed the maximum claim amount of 220% (i.e. 100% as lump sum plus 120% in the form of Income benefit) of Applicable Sum Insured.

If the life assured claims for different stages of the same Cancer at the same time, the benefit shall only be payable for the higher claim admitted under the policy. However, such benefit shall be payable only after 7 days survival period from the date of diagnosis of such Major stage cancer.

If there is more than one Cancer diagnosed in an event, the Corporation will only pay one benefit. That benefit will be the amount relating to the stage of Cancer which has the highest

benefit amount. However, such benefit shall be payable only after 7 days survival period from the date of diagnosis of such Cancer.


LIC Cancer Cover Plan No. 905 Presentation





WAITING PERIOD:


A waiting period of 180 days will apply from the date of issuance of policy or date of revival of risk cover whichever is later, to the first diagnosis of “any stage” cancer. “Any stage” here means all stages of Cancer that occur during the waiting period. This would mean that nothing shall be paid under this policy and the policy shall terminate if any stage of Cancer occur:
At any time on or after the date of issuance of the Policy but before the expiry of 180 days reckoned from that date; or

Before the expiry of 180 days from the Date of Revival.


SURVIVAL PERIOD:

No benefit shall be payable if the Life Assured dies within a period of 7 days from the date of diagnosis of any of the specified Early Stage Cancer or Major Stage Cancer. The 7 days survival period includes the date of diagnosis.

Benefit under this plan shall be payable subject to fulfilling all of the below criteria:

• 7 days survival period from the date of diagnosis
• Signs and symptoms relevant to the cancer should have been present and documented before death
• All investigations to confirm the diagnosis of cancer should have been done before the death of the insured.
• Satisfaction of the cancer definition as per the policy condition

EXCLUSIONS:

The Corporation shall not be liable to pay any of the benefit under this product if the covered conditions resulting directly or indirectly from any of the following causes:

Any Pre-Existing Condition i.e. any cancer condition (primary or metastatic); precancerous condition or related condition(s) for which the policyholder had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment within 48 months prior to the date of issuance of policy or revival of the policy.

If the diagnosis of any stage of Cancer was made within 180 days from the Date of issuance of policy or date of revival of risk cover whichever is later;

For any medical conditions suffered by the life assured or any medical procedure undergone by the life assured if that medical condition or that medical procedure was caused directly or indirectly by Acquired Immunodeficiency Syndrome (AIDS), AIDS related complex or infection by Human Immunodeficiency Virus (HIV);

For any medical condition or any medical procedure arising from the donation of any of the Life Assured’s organs;

For any medical conditions suffered by the Life Assured or any medical procedure undergone by the Life Assured, if that medical condition or that medical procedure was caused directly or indirectly by alcohol or drug (except under the direction of a registered medical practitioner)

For any medical condition or any medical procedure arising from nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.


TERMINATION OF POLICY:

The policy shall be terminated upon the happening of the first of the following events.

On the death of the Life Assured; or
On the date of maturity; or
On payment of the Major Stage Cancer, however, Income Benefit shall continue to be payable as and when due; or
On the diagnosis of any stage cancer during the waiting period; or
On cancellation of the policy by the Life Assured or insurer; or
On expiry of revival period; or
On grounds of misrepresentation, fraud, non-disclosure or non-cooperation of the insured; or
In case the policyholder does not renew the policy after premium review, if any.

MODES OF PREMIUM PAYMENT:

Premiums can be paid regularly during the policy term at yearly or half-yearly intervals.

REVIEW OF PREMIUMS:

The premium rates are guaranteed for a period of first 5 years from the date of issuance of the policy. Based on the experience of the portfolio under this plan, the Corporation reserves the right to revise the premium rates any time after the completion of 5 policy years starting from the date of issuance of the policy, the premium rates for future years will be subject to applicable revised rates. However, such revised rates shall be guaranteed for a further period of at least 5 years. The instalment premium on each review will be based on age at entry i.e. age as on the date of issuance of policy and original policy term.

Any such revision in premium rates under a policy shall be notified to each policy holder at least ninety days prior to the date when such revision or modification comes into effect. However, the Life Assured shall have the right to discontinue this plan in case the revised instalment premium is not acceptable. These rates shall be applicable to the new policyholders also.

GRACE PERIOD FOR PAYMENT OF PREMIUM:

A grace period of one month but not less than 30 days shall be allowed for payment of yearly or half
-yearly premiums. If the premium is not paid before the expiry of grace period, the Policy lapses.

In case of diagnosis of any Early Stage or Major Stage Cancer under an in force policy wherein all the premiums due till the date of diagnosis have been paid and where the mode of payment of premium is other than yearly, balance premium(s), if any, falling due from the date of diagnosis and before the next policy anniversary shall be deducted from the claim amount.

PAID-UP VALUE AND SURRENDER VALUE:

The policy will not acquire any paid up value and no surrender value shall be available. All the benefits will cease, if policy is in lapsed condition.

REVIVALS:

If premiums are not paid by the end of the grace period then the policy will lapse. A lapsed policy can be revived during the lifetime of the Life Assured, but within a period of two consecutive years from the date of the first unpaid premium and before the date of maturity, on submission of proof of continued insurability to the satisfaction of the Corporation and the payment of all the arrears of premium(s) together with interest (compounding half-yearly) at such rate as may be decided by the Corporation from time to time.


LOAN under LIC CANCER COVER Plan:

No loan shall be available under this plan.

TAXES:

Statutory Taxes, if any, imposed on such insurance plans by the Government of India or any other constitutional tax authority of India shall be as per the Tax laws and the rate of tax as applicable from time to time.

REQUIREMENTS FOR CLAIM:

Within 120 days from the date on which any of the contingencies mentioned under definitions of Early Stage Cancer or Major Stage Cancer herein above has occurred, full particulars hereof must be notified in writing to the office of the Corporation where this Policy is serviced together with the then address and whereabouts of the Life Assured. Proof satisfactory to the Corporation of the contingency that has occurred, shall be furnished in the manner required as below:
1. Claim Form duly signed by the insured along with NEFT mandate from the Claimant for direct credit of the claim amount to the bank account;
2. Original Policy document;
3. Treating doctor certificate filled by the doctor treating the Life Assured for the diagnosed ailment. The treating doctor should be a Medical Practitioner registered in India/other country as approved by the Corporation, not being the policyholder, Life Assured or the respective partner or spouse or relatives.
4. Hospital certificate/Discharge Summary duly filled by the hospital where Life Assured was admitted. 5. Confirmatory investigations including, but not limited to, clinical, radiological, histological & laboratory evidence;
6. If the insured event requires the surgical procedure to be performed, the procedure must be the usual treatment for the condition and be medically necessary;
7. The benefit under this policy shall be payable only on confirmation of the diagnosis by a registered Medical Practitioner appointed/approved by the Corporation;
8. Any other document or information as asked for by the Corporation depending on the facts &
circumstances of each case; proof of title, proof of death, medical treatment prior to the death, school/ college/ employer's certificate, whichever is applicable.

However, any delay in intimation of the claim by the claimant, if any, where delay is proved to be beyond his/her control may be condoned by the Corporation.
If the claim is not settled within 30 days (or 45 days where the circumstances of claim warrant an investigation) from the date of receipt of last necessary document, then the Corporation shall be liable to pay interest at a rate 2% above the bank rate. This interest shall be payable for the period starting from the date of receipt of last necessary document. 

FREE LOOK (COOLING OFF) PERIOD:

If a policyholder is not satisfied with the “Terms and Conditions” of the plan, he/she may return the policy to the Corporation stating the reasons of objections, within 15 days (30 days if the policy is purchased online) from the date of receipt of the Policy document by the policyholder.

BACK-DATING INTEREST:

Back dating will not be allowed under this plan.

LIC CANCER COVER Plan No. 905 PROPOSAL FORM:

Proposal Form URN: HPF-1 shall be used under this plan.

Tax Rebate:


Tax rebate under section 80D of Income Tax which is up to Rs.55,000.


Thursday, June 15, 2017

LIC Of INDIA

Star Health Senior Citizen Insurance Policy Details

Star Health Senior Citizen Red Carpet Insurance Policy 

  • This plan is for Senior citizens aged between 60 to 75 years.
  • No pre-insurance medical test required.
  • Covers pre-existing diseases from the second year onwards.
  • Medical Consultations as an Out Patient in a Network Hospital.
  • Higher Sum Insured coverage up to Rs.10 Lakhs.
  • Guaranteed lifetime renewals.


Coverage Hospitalisation Expenses incurred as in-patient for Sickness / Disease / Illness and Accidental Injuries for a minimum period of 24 hrs.
Type of Cover Individual.
Entry Age 60 yrs to 75 yrs. & 364 days
Renewals Life time
Co-pay Co-Pay is a cost sharing requirement that provides the policyholder / insured will bear a specified percentage of the admissible claim amount
For Pre-existing Disease claims- 50 % of each and every claim and 30% of each and every claim for all other claims and renewals thereafter
Sum Insured Options  1 / 2 / 3 / 4 / 5 / 7.5 & 10 Lakhs
Policy & Grace Period One year and with 30 days Grace Period to renew the policy. (Renewal during Grace Period - Declaration of Good Health is required).
Medicals Medical is not a must.
Age Proof Age Proof is compulsory.
Free look Period 15 days with refund of Premium on Pro-rata Basis.
Any Disease Contracted 1st 30 days (Accidents Exempted )
Certain Procedures / Diseases First two years, including Congenital Internal Defects / Diseases - 50 procedures / diseases
Pre Existing Diseases (PED) 12 months

Allowable Expenses

Non- allopathic Treatment (Other than Naturopathy) No Provision
Pre - Hospitalizations No Provision
Post - Hospitalizations Amount will not exceed 7% of Hospital Bill (Minus Room Rent) subject to Max of Rs.5000/- Per hospitalization.
Ambulance Rs. 600 Per occurrence / Rs. 1200 Policy Period
Day care Procedures and Sub Limits 12 Procedures. 24 hrs. hosp. is waived and the sub-limits in bracket will apply for following day care procedures - Lithotripsy (20K), Tonsillectomy (7.5K), Cutting & draining of Subcutaneous abscess (1.5K), Liver aspiration (2K), Pleural Effusion Aspiration (2K), Colonoscopy (2K), Sclerotherapy (5K)}, Cataract limit varies based on the Sum Insured. Dialysis, Chemotherapy, Radiotherapy and Dental Surgery due to accident only
Other excluded expenses 203 Items as per Printed Policy Clause.
Automatic Restoration of Sum Insured No Provision
Package Charges No restrictions in respect of Package Charges
Room Rent (Inclusive of Boarding & Medical expenses) on Per Day Basis Whichever is lower Up to 1% of Basic Sum Insured subject to a Max. Of Rs.6000 per day.
Doctor's Fee Actuals or subject to a Maximum of 25% of Sum Insured, Per Hospitalisation
Medicine Charges Actuals or subject to a Maximum of 50% of Sum Insured, Per Hospitalisation

Note

Expenses relating to the Hospitalisation will be considered in proportion to the room rent stated in the policy. Treatment taken in Non-Networking Hospital exclusion has been removed.
No Claim Bonus for Every Claim Free Year No Provision
Portability This policy is portable.
80 D Benefit Tax Benefit Premium Paid by any mode other than cash is eligible for relief under section - 80D of the IT Act.


Star Health Senior Citizen Red Carpet Insurance Sub-limit

Sum insured 100000 200000 300000 400000 500000 750000 1000000
Particulars Limit of Company's Liability Rs.
Cataract 15000 15000 18000 20000 21500 23000 25000
CVA 75000 150000 200000 225000 275000 300000 350000
CVD 75000 150000 200000 225000 275000 300000 350000
Cancer 75000 150000 200000 225000 275000 300000 350000
Treatment for Breakage of Bones 75000 150000 200000 225000 275000 300000 350000
Renal Complications 75000 150000 200000 225000 275000 300000 350000
All other Major Surgeries 60000 120000 150000 200000 225000 250000 275000

Medical Consultation

Sum insured 100000 200000 300000 400000 500000 750000 1000000
Medical Consultation as OPD in Network Hospital @ Rs.200 per consultation No Provision No Provision Rs.600 Rs.800 Rs.1000 Rs.1,200 Rs.1,400
Premium Rates Incl. ST of 14%
Sum insured 100000 200000 300000 400000 500000 750000 1000000
In Rs. 5073 9640 14706 17671 20520 23940 25650

Additional Benefits in Sr. Citizen Red Carpet Policy Revised
1. High Sum Insured of Rs.7.5 lakhs and Rs.10 lakhs
2. First two years, including Congenital Internal Defects / Diseases - 50 Procedures / Diseases
3. Increase of Room Rent - 1% of Basic SI subject to a Max. of Rs.6000 per day
4. Increase of Sub-limit in Cataract Procedure
5. Increase of Sub-limits in Major Surgeries, no changes in sum insured of Rs.1 lakh and Rs.2 lakh
6. OPD - Medical Consultation
7. Treatment taken in Non Networking Hospital exclusion has been removed
8. No restrictions in respect of Package Charges


First Two Year Exclusions under Sr. Citizen Red Carpet Policy Revised
a. Cataract, Glaucoma, Diseases of anterior segment and posterior segment of the eyes, All diseases related to ENT, Diseases related to Thyroid, Prolapse of intervertebral disc (other than caused by accident), Varicose veins and Varicose ulcers, all diseases of Prostrate, Stricture Urethra, all types of Hernia, Varicocele, Hydrocele, Fistula / Fissure in ano, Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence and Congenital Internal disease / defect
b. Gall Bladder and Pancreatic diseases and all treatments (conservative, interventional, laparoscopic and open) related to Hepato-pancreato-biliary disease including Gall Bladder and Pancreatic Calculi. All types of management for Kidney and Genito-urinary tract calculi.
c. All treatments (conservative, interventional, laparoscopic and open) related to all diseases of Uterus, Fallopian Tubes, Cervix and Ovaries, Dysfunctional Uterine Bleeding, Pelvic Inflammatory Diseases, Benign Breast diseases.
d. Conservative, operative treatment and all types of intervention for diseases related to Tendon, Ligament, Fascia, Bones and Joint (other than caused by accident).
e. Degenerative disc and vertebral diseases including replacement of Bones and Joints and Degenerative diseases of the Musculo-skeletal system.
f. Subcutaneous benign lumps, Sebaceous cyst, Dermoid Cyst, Lipoma, Neuofibroma, Fibro adenoma, Ganglion and similar pathology.
g. Any transplant and related surgery.
This waiting period shall not however apply in the case of the insured person/s having been covered under any individual health insurance scheme with any of the Indian Insurer for a continuous period of preceding 24 months without any break.
The Claim for such illnesses/diseases/disabilities contracted/suffered if admitted will be processed as per the Sum Insured of immediately preceding 24 months policy only. Where there is a change in the sum insured in the second continuous policy year the lower of the sum insured will apply.

Wednesday, May 17, 2017

LIC Of INDIA

Star Cardiac Care Health Insurance Policy Details

  • This policy is for persons who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases.
  • This policy has two Plan options – Gold Plan and Silver Plan
  • Silver Plan pays for expenses incurred as an inpatient for treatment in respect of all cardiac related complications that necessitate surgery/intervention
  • Gold Plan pays for expenses incurred as an inpatient for treatment in respect of all cardiac related complications that necessitate medical management, surgery/intervention.
  • Under both the Plans regular hospitalization is covered under Section 1 and all Cardiac related ailments are covered under Section 2.
  • Out Patient Benefit is available.
  • Personal Accident: Accidental Death Cover.
  • No Pre acceptance medical screening.
  • 405 day-care procedures covered.

Policy Benefits: (Applicable for Both Silver Plan and Gold Plan)

Hospitalization cover

  • Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs. These expenses include room, nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Operation Theatre, Diagnostics, imaging modalities and Cost of Medicines and Drugs, Oxygen, Blood, Operation theatre, Diagnostic and Imaging modalities.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  • Post-hospitalisation expenses incurred up to specified limits.
  • 405 Day-care treatments covered
  • Pre-Existing Diseases / Illness are covered after 48 months of continuous coverage without break with any Indian Non-Life Insurer, under Section 1
  • After a waiting period of 90 days, this policy covers all treatments relating to Cardiac diseases. This waiting period will not apply for renewals.

Out-Patient Expenses

The Company will pay the amount of such expenses as are reasonably and necessarily incurred at the network hospitals/diagnostic centres as an Out Patient, provided the policy is in force

The limit of benefit under this Section is Rs.500/- per event subject to a maximum of Rs.1500/- per policy period, provided policy is in force. This benefit forms part of the Sum Insured.

Personal Accident

If at any time during the Period of Insurance, the Insured Person shall sustain any bodily injury resulting solely and directly from an Accident caused by external, violent and visible means and if such accident causes death of the Insured Person within 12 Calendar months from the date of Accident, then the Company will pay the Sum Insured mentioned in the schedule as compensation.


Star Cardiac Care Insurance Policy ELIGIBILITY


  • Star Cardiac Care Insurance can be taken by any person between 10 years and 65 years of age, who has undergone for the first time.
  • PTCA (Stenting) or CABG (By-pass) procedure,  within 7 years prior to the date of policy purchase or
  • Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected  or
  • Patent Ductus Arteriosus (PDA) that has been treated or
  • RF Ablation done to correct the underlying cardiac condition or
  • Had an Angiogram done but no intervention was medically found necessary.

Star Cardiac Care Insurance Policy GENERAL TERMS

Tax Benefits

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.


Star Health Insurance Policy







































Guaranteed Lifetime Renewals

Life-long renewals beyond 65 years are offered under this policy.



Star Cardiac Care Insurance Policy Details & Features
Age at Entry
10 Years to 65 years
Who can Buy
1. Undergone Percutaneous Transluminal Coronary Angioplasty - PTCA or Coronary Artery
Bypass Graft (CABG) - Within 7 years
2. Artial Septal Defect - ASD or Ventricular Septal Defect - VSD - Corrected
3. Patent Ducutus Arteriosus (PAD) - Treated
4. RF Ablation or RF Ablation done to correct Cardiac Condition
5. Angiogram done - But intervention not found necessary
Sum Insured
3 Lac and 4 Lac
Sum Insured Enhancement
SI can be enhanced on renewal - Subject to company's discretion - Only when no Claim lodged or Paid - Waiting period will be applied on the enhanced Sum Insured
Policy Period
One year
Renewal Guarantee
Life Long
Renewal Grace Period
30 days
Section - 1
Regular Hospitalisations - Other than Cardiac related
Room Rent, Boarding and Nursing
Expenses
Rs. 5000 per day
Professional Fees
Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist Fees - Actual
Other Medical Expenses
Anesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs, Diagnostic materials, X-ray, Diagnostic Imaging, Dialysis, Chemotherapy, Radiotherapy etc. -
Actual
Ambulance Charges
Rs. 750 per hospitalisation - Rs. 1500 per policy year
Pre - Hospitalisaton
30 days prior to the date of hospitalisation - Actual
Post - Hospitalisation
60 days - (7% of nursing expenses, Surgeon/consultant Fees, Diagnostic Charges, Cost of
medicines and drugs with Max Rs. 5000)
Section - 2 - Gold
1. Cardiac related Complications - resulting in Surgery or intervention
2. Cardiac Medical Management
Section - 2 - Silver
Cardiac related Complications - resulting in Surgery or intervention only
Cardiac Medical Management not covered
Both Gold and Silver
a. Room Rent, Boarding and Nursing Expenses
b. Professional Fees
c. Other Medical Expenses
d. Ambulance Charges
e. Pre-Hospitalisation
f. Post - Hospitalisation
Same as Section 1
Section - 3
Out Patient Consultation - Max. Rs. 500 per consultation
Max - Rs. 1500 per policy year - Payout forms part of Sum Insured
Section - 4
Personal Accident - Death Cover - Accident Cover Sum Insured Equivalent to Health Sum
Insured
Day - Care Treatment
405 - Day Care Procedures
Sublimit for Cataract
Max Rs. 20,000 per hospitalisation - Max Rs. 30,000 for policy period
Treatment on Package Charges basis
80% of Package Charges paid - for Section 1 hospitalisations only
30 days - Waiting Period
Any Disease Contracted by the insured
90 days - Waiting Period
PEDs related to Cardiac ailments
24 Months - Waiting Period
Like - Cataract, ENT, Thyroid, Prolapse of intervertebral Disc (Non-Accidental), Vericose - veins & Ulcers, Prostate Disease, Hernia, Fistula/Fissure, Congenital Internal Disease, - For full
list refer product broucher
48 Months - Waiting Period
PEDs - Other than Cardiac related PED - Declared in Proposal and Endorsed in Policy
Permanent Exclusions
Like - Congenital External defects, Dental Treatments(Non-Accidental), Psychiatric treatment, Venereal diseases, Intentional Self Injury, Pregnancy and child birth related, Weight Control, Cosmetic treatments, Plastic Surgery - For full list refer product broucher
Pre Acceptance Medical Screening
Not Required - But all the past medical records of the proposed insured to be submitted
Co Payment
10% on every Hospitalisation - Under Section 1 only - For Age above 60 years at ENTRY

Saturday, February 11, 2017

LIC Of INDIA

Buy Cheapest Online Health Insurance Online Plan

Religare Health Insurance Care Plan Features

Features/ Plan (SI) 5, 7, 10 lacs Elite Plus- 15, 20, 25, 30, 40 lacs
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent Single Private Room Single Private Room
(upgradable to next level)
ICU charges No Sub-Limit No Limit
Ambulance Cover Rs.2,000/ hospitalization Rs.2,500/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.100,000 Rs.200,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.20,000 Upto Rs.30,000

To buy Cashless Health Insurance click Religare Health Insurance

Religare Health Insurance Care Policy Terms

Policy Terms

Minimum entry age 91 days
Maximum age No age bar
Renewal Lifelong Renew-ability. The Policy can be renewed under the then prevailing
Renewal Premium Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-payment No Co-payment in policy, if age of the eldest member insured with us at the time of first policy is below 61 years.
20% Co-payment will be applicable in policy, if age of the eldest member insured with us at the time of first policy is 61 years or above 61 years i.e. you will have to pay 20% of the claim amount under the policy, if any.
Waiting period 30 days for any illness except injury
Waiting period for pre-existing illnesses Four years of continuous coverage
Change in Sum Insured You can enhance your sum insured under the policy only upon renewal
Grace period 30 days from the date of expiry to renew the policy

Plan Details


Cashless Hospitalization & Day Care Treatment

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 4758+ network hospitals and reimbursement in any other hospital of your choice.

Pre & Post hospitalization

We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.

Auto Recharge of your Sum Insured

If due to claims made, you ever exhaust your health cover, we recharge the entire sum insured of your policy for you, in the policy year. This is applicable on all policies. All this at no extra cost!

Avail Health Check-ups, every year

Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and members covered as adult in the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. Its simple.

Daily Allowance

This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.

No Sub-Limits !

As far as we are concerned, it is your money – All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theater & allied charges, to name a few. No room rent limit charges plans start from 5 Lac.

Avail Treatment anywhere in the World

Our care knows no boundaries, literally. So, while we ensure you have access to the best healthcare services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad and reimbursed as per policy. Available for sum insured of 50 and 60 Lacs plans.

No Co-Payment Plans

Co-payment means the insured would have to pay a part of the claim amount. Generally, companies ask for 20%. But ALL of our plans are 'No Co-payment' plans for entire life, if the person to be insured is less than 61, at the time of 1st buy of the policy. If the person is more than 61 yrs at the time of 1st buy of policy, they can choose 3 or 4 Lacs plans to have 'No Co-Payment' Option plan.

No 'Claim-based' loading & Get Lifetime Renewability

We want you there for you, for your entire life. That's why none of our plans have any 'Claim-based loading' of premiums at the time of renewals. The Policy can also be renewed lifelong under the prevailing Health Insurance Product or its nearest substitute approved by IRDA.

Get additional 100% No-Claim Bonus

If you did not need to have any claim in your health insurance policy in a year, you will get a super increase of 50% bonus in your sum insured every year in additon to 10%. Your bonus keeps building up, up to 100% of your sum insured! It’s just our way to tell you that we’re there with you in good times and in bad. This benefit is available in Super No-claim bonus plans. In all other plans you get an increase of 10 per cent in your sum insured during the next year. And for every year that you enjoy un-interrupted good health, your bonus keeps building up, up to 50% of your sum insured!

Review your decision

After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.

Other great Tax benefits-

There's still lot more we have for you! All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalisation covered, Increase your Policy’s Sum Insured even later,10%discount on 3 year policy term and 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.


47817 care -_health_insurance_plan_brochure from Satyendra Gupta


To buy Cashless Health Insurance click Religare Health Insurance

Sunday, September 4, 2016

LIC Of INDIA

Religare Online Travel Insurance Visa Features & Details

 explore - International Travel Insurance

Plan Detail
Explore Asia
Explore Africa
Explore Europe
Explore Canada+
Explore Gold
Explore Platinum
Geographical Scope
Asia
Africa
Europe
Worldwide Excluding US
Worldwide/ Worldwide excluding US and Canada
Worldwide /Worldwide excluding US and Canada
Sum Insured (in '000)
US $ 25, 50 & 100
US $ 25, 50 & 100
€ 30 & 100
US $ 50 & 100
$ 50, 100, 300 & 500
$ 50, 100, 300 & 500
Benefit
Deductible





Hospitalization Expenses
Yes
Yes
Yes
Yes
Yes
Yes
In-patient Care
US $ 100/€ 75
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Life Threatening Condition for PED
US $ 100/€ 75
10% of SI
10% of SI
10% of SI
10% of SI
10% of SI
Additional SI for Accidental Hospitalization
US $ 100/€ 75
Yes, up to 100% SI
Yes, up to 100% SI
Yes, up to 100% SI
Yes, up to 100% SI
Yes, up to 100% SI
Out-patient Care
US $ 100/€ 75
20% of SI
20% of SI
30000
US $ 50,000
US $ 50,000
Daily Allowance?
2 days
US $ 25 per day, max 5 days
US $ 25 per day, max 5 days
€ 25 per day, max 5 days
US $ 25 per day, max 5 days
US $ 25 per day, max 5 days
Compassionate Visit?
-
-
-
-
-
-
Return of Minor Child
-
-
-
-
-
-
Up-gradation to Business Class?
-
US $ 1,000
US $ 1,000
750
US $ 1,000
US $ 1,000
Dental Expenses
US $ 100/€ 75
US $ 300
US $ 300
US $ 300
US $ 300
US $ 300
Personal Accident
-
US $ 15,000
US $ 15,000
10000
US $ 15,000
US $ 15,000
Common Carrier Accidental Death
-
-
-
-
-
-
Medical Evacuation?
-
US $ 10,000
US $ 10,000
30000
US $ 50,000
US $ 50,000
Repatriation of Mortal Remains
-
US $ 10,000
US $ 10,000
30000
US $ 50,000
US $ 50,000
Trip Cancellation & Interruption?
-
US $ 1,000
US $ 1,000
750
US $ 1,000
US $ 1,000
Trip Delay?
12 hours
US $ 500
US $ 500
300
US $ 500
US $ 500
Loss of Checked-in Baggage?
-
US $ 100
US $ 100
100
US $ 100
US $ 100
Delay of Checked-in Baggage?
12 hours
US $ 100
US $ 100
100
US $ 100
US $ 100
Loss of Passport?
-
US $ 300
US $ 300
250
US $ 300
US $ 300
Personal Liability
US $ 100/€ 75
US $ 100,000
US $ 100,000
75000
US $ 100,000
US $ 100,000
Trip Options






Single Trip
Yes
Yes
Yes
Yes
Yes
Yes
Multi Trip (Policy will be on annual basis)
No
No
No
No
Yes
Yes
Trip Duration (days)






Minimum
2
2
2
2
2
2
Maximum (Single Trip)
365
365
365
365
365
365
Maximum (Multi Trip)
-
-
-
-
45 or 60 days
45 or 60 days
Entry Age - Single Trip






Minimum
1 day
1 day
1 day
1 day
1 day
1 day
Maximum
No Age Bar
No Age Bar
No Age Bar
No Age Bar
No Age Bar
No Age Bar
Entry Age - Multi Trip
-
-
-
-
Yes
Yes
Minimum
-
-
-
-
1 day
1 day
Maximum
-
-
-
-
70 years
70 years
Sub-limits applicable (For age 61 years and above) As per Appendix
Yes
Yes
No
Yes
Yes
No
Family Option*
Yes
Yes
Yes
Yes
Yes
Yes

What is not covered?

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
War and Nuclear perils or consequences thereof
Ionising Radiation or contamination arising out of the same
Any intentional self-injury, suicide or attempted suicide
Any claim relating to hazardous activities
The insured being involved in Breach of law
HIV/AIDS

FAQs

What if you cut short your trip?

No worries we can take care of that.
• Your policy can be cancelled and premium will be refunded if difference Between the date of arrival of insured and end date of policy is 15 days or more. (Cancellation charges ` 300 would be deducted)
• No cancellation will be allowed if a Claim is filed on the policy. Review your decision (only if policy is for 1 year) We have your best interests at heart and at the same time recognise that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us. Our policies come with a free-look period of 15 days from the date of receipt of policy.

What if you are a FREQUENT FLYER?

You can opt for multi trip policy if you are a frequent flyer. There are two options to choose from –
• Multi Trip with maximum 45 days per trip
• Multi Trip with maximum 60 days per trip
Choose your policy duration as per your needs In case of single trip, you can opt for a policy period up to a max. of 365 days or max. trip duration as specified under each plan. Also, if you wish to extend your policy, you can do it for a max. duration of 365 days by logging on to https://www.religarehealthinsurance.com/HP/SATYENDRAKUMARGUPTA (extension only available if policy period is less than 365 days)

What if you’re down with severe malaria but your son has to return to school?

Return of Minor Child: Covers the return cost of your minor child to your home location, in case you’re hospitalized and travelling alone with your child/children.

What if you fractured your back/spine and can’t travel economy class?

Up-gradation To Business Class: Compensates for up-gradation to business class for return air travel, in case of hospitalization for over five consecutive days, due to injury sustained whilst on a trip.

What if you want your mom to visit you while hospitalized?

2-way Compassionate Visit: Covers transportation expenses for one immediate family member to travel to the insured’s current location.

What if you wish to make a phone call to your spouse often while hospitalized?

Daily Allowance in case of Hospitalisation: Pays for (a specified amount per day of stay at the hospital) numerous allied expenses such as attendant’s meals, transportation and communication incurred but not covered under your Policy.

What if you dropped your heavy suitcase fracturing an old woman’s foot?

Personal Liability: Covers expenses against legal liability for bodily injury or property damage occurred accidentally to third parties during your trip.

What if you can’t find your passport?

Loss of Passport: Covers expenses for the issue of a new or duplicate passport.

What if regaining your Checked-In Baggage becomes a concern?

Loss of Checked-In Baggage: Covers expenses for your checked-in baggage that you lost while in custody of the Common Carrier. Delay of Checked-In Baggage: Covers expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.

What if a technical glitch caused your flight to be delayed?

Trip Delay: Covers expenses incurred if your departure is delayed beyond 12 consecutive hours due to specified reasons/issues.

What if you cancelled your trip because of a Tsunami?

Trip Cancellation & Interruption: We cover financial loss incurred out of cancellation of your trip due to an unforeseen event arising due to specified man made or natural situations.

What if you have a painful fall during your adventure trek and end up with missing teeth?

Dental Expenses: Covers dental expenses incurred in connection with any injury while on your trip.

What if the vehicle you are travelling in met with an accident?

Personal Accident: Covers any unfortunate situation arising out of an accident, death or permanent total disability, while you’re travelling abroad. What if the aircraft you’re travelling in is involved in a mid-air mishap? Common Carrier Accidental Death: Lump sum payment of Sum Insured in case of accidental death as a passenger on a common carrier/transport.

What if you have a medical emergency while mountain climbing during your trip?

Medical Evacuation: Covers all costs incurred for any emergency transportation and evacuation services, to transfer you to an appropriate medical facility within our network.

What if you contracted severe viral during your trip?

Medical Cover: Covers your hospitalization or treatment if during your travel you are diagnosed with an illness, or any previous illness reoccurs. In case you require further treatment even after your return, expenses for the same will be covered up to a period of 30 days or up to policy end date, whichever is earlier. What’s more! In case of accidental hospitalization, your policy Sum Insured is doubled.




Please call on #9811362697 for more details or click link to buy online.