Apollo Munich Dengue Care Health Insurance Plan Features

Our first of a kind Dengue Care plan offers coverage for any medical expenses incurred on inpatient or outpatient treatment for dengue. You are not required to undergo any medicals at the time of taking the cover.

Eligibility:

·         This policy covers persons in the age group 91 days to 65 years. The maximum entry age is restricted up to 65 years. The Minimum entry age for Adult is 18 years and maximum is 65 years. The minimum entry age for child is 91 days and the maximum is 25 years.

·         No maximum cover ceasing age

·         An individual and/or his family members namely spouse, dependent children and parents are eligible for buying this cover.

·         This cover will be offered on individual Sum Insured basis only.

·         This is an annual policy.

·         The premium for the policy will remain the same for the policy period as mentioned in the policy schedule

·         A maximum of 6 members can be added in a single policy. A maximum of 4 adults and a maximum of 5 children can be included in a single policy.

Benefits	Sum Insured – Rs 50,000; 100,000
In-patient Treatment	Upto Sum Insured
Room Rent	Single Private A/c Room
Shared Accommodation Benefit	Covered
Pre-hospitalization	15 Days
Post-hospitalization	15 Days
Outpatient Treatment ·         Pharmacy ·         Diagnostic tests ·         Outpatient Consultation ·         Home nursing	Rs. 10,000

Contact us in case if you want to buy this product.

Religare Group Health Insurance for Employees

Religare Health Insurance Corporate - Group Health Insurance Policy for Employees

To Buy Click here https://www.religarehealthinsurance.com/hp/satyendrakumargupta

Religare Maternity Health Insurance Joy Plan

Religare Cheapest new born baby and maternity best health insurance Joy

Maternity Health Insurance Plan Details
Plan Name	Joy Today	Joy Tomorrow
Sum Insured – On annual basis	3 Lac / 5 Lac	3 Lac / 5 Lac
Maternity wait period	9 months	24 months
Entry Age – Minimum	Adult : 18 years or above Child : 1 Day to 24 years	Adult : 18 years or above Child : 1 Day to 24 years
Entry Age – Maximum	45 years	45 years
Exit Age	Lifelong	Lifelong
Cover Type	Individual (maximum up to 6 Persons)	Individual (maximum up to 6 Persons)
	Floater : 2A / 2A1C / 2A2C	Floater : 2A / 2A1C / 2A2C
Pre-policy Issuance Medical Check up	Applicable on Insured Person with age 46 years or above	Applicable on Insured Person with age 46 years or above
Religare Maternity Health Insurance Benefits
Hospitalisation Expenses
In-Patient Care	Yes	Yes
Day Care Treatment	Yes	Yes
Pre-Hospitalisation Medical Expenses	Up to 30 days	Up to 30 days
Post-Hospitalisation Medical Expenses	Up to 60 days	Up to 60 days
Ambulance Cover	Up to Rs. 1,000 per Claim	Up to Rs. 1,000 per Claim
Maternity Cover (including Pre-natal & Post-Natal expenses)	Up to Rs. 35,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI	Up to Rs. 35,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI
Newborn Baby Cover	Up to Rs. 30,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI	Up to Rs. 30,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI
New Born Birth Defects	No	Lump sum – Rs. 50,000
Wait Periods
Initial Wait Period	30 Days	30 Days
Named ailments	24 months	24 months
Pre-existing Diseases	48 months	48 months
Sub-limits
Room Category	Single Private Room with AC	Single Private Room with AC
Co-payment	20% (Applicable where age of eldest member at entry is 61 years or above)	20% (Applicable where age of eldest member at entry is 61 years or above)
Tenure	3 Years	1 Year / 2 Year / 3 Years

What is not Covered in Religare Maternity Health Insurance ?

• Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
• Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
• Non-allopathic treatment.
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Cost of spectacles/contact lenses, dental treatment
• Medical expenses incurred for treatment of AIDS
• Congenital disease
• Tests and treatment relating to infertility and in-vitro fertilisation.

Religare Maternity Health Insurance Policy Terms
Entry Age - Minimum		Adult: 18 years
		Child: 1 Day
		New Born: 1 Day
Entry Age - Maximum		Adult: 65 years
		Child: 24 years
		New Born: 90 Days
Exit Age		Lifelong
Cover Type		Individual / Family Floater
Renewal	Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
Co-payment	If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
Waiting Period	30 days for any illness except accident
	24 months for maternity of Joy tomorrow
	9 months for maternity of Joy today
	2 years for specific treatments/illness
	4 years for pre-existing diseases
Grace Period	30 days from the date of expiry to renew the policy
Policy Tenure	3 years
Maternity Cover	Available only up to 45 years of age

Interested to buy ?? click Religare Health Insurance Premium Calculator. 

Cheapest religare new born and maternity best health insurance joy plan presentation 

from Satyendra Gupta LIC Agent 9811362697

To Buy Click link http://www.religarehealthinsurance.com/hp/satyendrakumargupta

LIC Health Insurance Jeevan Arogya

What is Jeevan Arogya?
It is LIC’s family Medical Insurance Plan. 

Whom All I can cover under Jeevan Arogya?
Yourself (Known as Principal Insured), Your Spouse, all your family members including dependent parents and parents-in-law in the age group 0-75.

Is there any Maturity or Death Benefit under Jeevan Arogya?
What is the Mandatory requirement for claiming Medical Benefits under Jeevan Arogya? Hospitalization in India due to either accident or sickness for at least 24 hours, every block of 4 hours deemed as 1 day.

What is the basis of calculating Medical Benefits under Jeevan Arogya?
Hospital Cash Benefit (HCB) you opt for at the time of entering the plan. It can be anything between Rs 1, 000/- to Rs 4, 000/- per day (in multiples of Rs 1,000).

What are the eventualities covered under Jeevan Arogya?
Hospitalization as above. No surgery: Cash reimbursement equal to Applicable Daily Benefit (ADB) x No of day's hospitalization.
ICU admission: 
Cash reimbursement equal to double the ADB.

Listed Surgical Procedures:
Cash reimbursement equal to 2 times the ADB subject to a maximum of 45 days in a year or 360 days during the entire policy term (15 days - First Year).
Listed Day Care Procedures:  5 times the ADB applicable regardless of the actual costs incurred not exceeding 3 times in a year and 24 times in the entire policy term.

What is `Applicable Daily Benefit' (ADB)' referred to under Jeevan Arogya?
It is the sum total of HCB you have opted for at the commencement of the plan + 5% of the HCB you earn every year subsequent to first year reaching a maximum of additional 50% of the initial HCB + 5% of the HCB you earn at the end of every 3 years in case you have not claimed any amount under the plan for previous 3 years, without any limit.

How long I need to pay premium under Jeevan Arogya?
Upto age 80, if the age at entry is 18-75 years, Upto age 25, if the age at entry is 0-17.

Does premium under Jeevan Arogya remains same throughout the premium payment term or will it keep varying? 
It keeps varying once in 3 years.

Is there any Income-Tax Benefit on Jeevan Arogya Premium?
Yes, Premium paid every year enjoys I.T exemption under section 80 D within the statutory limit for medical insurance premium up to Rs 15,000/- per annum in case of individuals and Rs 30,000/- for the family members.

Does Jeevan Arogya offer any Cash-less facility?
No.

What is so special about Jeevan Arogya?
This is one plan where,You get medical coverage up to age 80 without any interruption, provided, policy is kept in force by premium payment in time. You can cover all your family members including your parents and parents- in law in the age group 0-75. Medical reimbursement available under the plan is independent of the actual medical expenses incurred. Mere hospitalization followed by discharge certificate is enough to claim medical reimbursement unlike  Mediclaim plans where medical reimbursement is directly related to the actual expenses claimed by your hospital. As a result, unlike  Mediclaim Plans, Jeevan Arogya takes care of your post treatment expenses and possible drop in your income especially during prolonged illness.
You can draw up to 50% of the claim amount in advance for meeting surgical procedures instead of waiting for the claim settlement. ADB keeps increasing every year by 5%, reaching a maximum of 150%. As a result, other benefits like HCB and MSB sum also stand increased. You can claim HCB every year upto 30 days at a stretch that includes 15 days in ICU or as a lifetime benefit up to 720 days that includes 360 days in ICU.

It provides you premium waiver for next 1 year in case of your undergoing major surgical procedures.
Jeevan Arogya investment as an additional benefit, even if you have invested in General Insurance Companies' Mediclaim plans Infact, a combination of Jeevan Arogya Mediclaim could be the best way of providing for medical exigencies. While Mediclaim provides for Medical Expenses during treatment,  Jeevan Arogya takes care of your monetary requirement after treatment.

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