Kasinathan Insurance Consultant

Eligibility:

• Entry age 18-65 yrs

• sum assured options:1,00,000-25,00,000

• policy term:1 year,2 year

• Pre acceptance medical screening: All persons above 50 years of age and those who declare adverse medical history in the proposal form are required to undergo pre-acceptance medical screening at the Company designated Centers The cost of such screening will be borne by the Company. The age for screening and the cost sharing are subject to change.

• Day care procedure: All​

Policy Benefits:

• Room, boarding and nursing expenses all inclusive as per the limits.

• Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Operation Theatre, Diagnostics, imaging modalities and Medicines and Drugs, Oxygen, Blood, Operation theatre, Diagnostic and Cost of pacemaker.

• Ambulance charges for emergency transportation to hospital as per specified limits.

• Air Ambulance charges upto 10% of the Basic Sum Insured during the entire policy period.

• Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.

• Post-hospitalisation expenses incurred up to 90 days after discharge from the hospital.

• Domiciliary hospitalisation: Cover for medical treatment for a period exceeding three days.

• Organ Donor Expenses: Cover upto 10% of the Sum Insured or Rupees One lakh, whichever is less.

• Cost of Health Checkup: Expenses incurred towards cost of health check-up up to the limits

• New Born Baby cover: Cover starts from 16th day after birth and subject to a limit of 10% of the Sum Insured or Rupees Fifty Thousand, whichever is less

New Benefits:

• Emergency Domestic Medical Evacuation: Company reimburse the expenses incurred towards transportation of the insured person from the treating hospital to another one upto the limits.

• Compassionate Travel: The Company will reimburse the transportation expenses by air incurred upto Rs5000/- for one immediate family member (other than the travel companion) for travel towards the place where hospital is located.

• Repatriation of Mortal Remains: the Company shall reimburse up to Rs.5,000/- towards the cost of repatriation of mortal remains of the insured person to the residence of the insured.

• Lump-sum for Treatment in Preferred Network Hospital: In the event of a medical contingency requiring hospitalization, if the insured seeks advice from the Company, the Company may suggest an appropriate hospital from the network for treatment upto 1% of Basic Sum Insured subject to maximum of Rs.5000/- per policy is payable as lumpsum.

• Shared Accommodation: Upto the limits.

• AYUSH treatment: Upto the limits.

• Second Medical Opinion: The Insured Person can obtain a Medical Second Opinion from a Doctor in the Company’s network of Medical Practitioners

• Assisted Reproductive Treatment: The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment, where indicated, for sub-fertility
  1.Waiting period of 36 months from the date of first inception of this policy.
  2.Maximum liability of the Company for such treatment shall be limited to Rs.1 lakh for sum insured of Rs.5 lakh and Rs.2 lakhs for sum insured of Rs.10 lakhs and above for every block of 36 months.

• Additional Sum Insured for RTA(Road Traffic Accident): If the insured person meets with a Road Traffic Accident resulting in in-patient hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs.5,00,000/- .This benefit is payable if the insured person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider

Automatic Restoration of Sum Insured : Available 3 times at 100% each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one.

Recharge Benefit: Available up to the limits.

Bonus: Following a claim free year bonus of 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.