Health Insurance

Corona Kavach

Health insurance is an insurance that offers coverage to the policyholder for medical expenditure in case of a health emergency. A health insurance plan provides adequate coverage for various expenses such as surgery cost, day to day-care expenses and critical illness spends among various other related financials.

A health insurance policy provides financial coverage to the insured for any medical expenses incurred due to medical treatment. Such a health policy is required to avail the benefit of reimbursement of medical expenses or avail cashless treatment as mentioned in the policy.

We all know that health emergencies do not come with notice! Therefore, it becomes even more important to stay prepared beforehand. Unhealthy lifestyles and the rising cost of quality healthcare are good reasons to get a health insurance policy beforehand.

A health insurance policy can help you in the following

Hospitalization expenses, medication, laboratory tests, doctor expenses, etc.

Cashless treatment in-network hospitals in case of urgencies.

Coverage for all the costs of tests and hospital stays amid the COVID pandemic.

Coverage for maternity and new-born baby.

Cost coverage in case of serious illnesses and surgeries.

Who can take the policy?

This insurance is available to individuals between the age of 18 to 60 years. People beyond 60 years can continue their insurance provided they are insured under Mediclaim policy without any break.

Floater Benefit

The floater benefit entails that the sum insured as specified for the proposer under this policy, is available for any or all the members of his /her family for one or more claims during the policy tenure.

The Family Floater Mediclaim Policy can be issued to individuals up to 60 years of age and cover the following family members:

Self

Spouse

Dependent children (Maximum two)

Things to Note

Parents/Parents-in law/ brothers and sisters may be covered under Family Floater Mediclaim Policy even if they are residing with the proposer – Ask your Suraksha advisor for more details

Sum Insured: The minimum sum Insured is Rs. 2 lacs

The premium is as per Individual Mediclaim Policy (2007). The basic premium will be as per the highest age group of the family member covered.

Group Medical Insurance

The policy covers hospitalization expenses for the treatment of illness/injury on the condition that the hospitalization is done for more than 24 hours. Pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days are also payable under this policy.

Day-care treatment – The Medical expense towards specific technologically advanced day-care treatments/surgeries where 24-hour hospitalization is not required. Ambulance charges for shifting the insured from residence to hospital are covered up to the limits specified in the policy.

Ayurvedic/Homeopathic and Unani system of medicine are covered to the extent of 25% of Sum insured provided the treatment is taken in the Registered Hospital.

Exclusions

Diseases contracted within 30 days of insurance.
Dental treatment except arising out of accident.
Debility and General run-down conditions.
Sexually transmitted diseases and HIV (AIDS).
Circumcision, Cosmetic surgery, Plastic surgery unless required to treat injury or illness.
Vaccination and Inoculation.
Pregnancy and child birth.
War, Act of foreign enemy, ionizing radiation and nuclear weapon.
Treatment outside India.
Naturopathy.
Domiciliary Treatment.
Experimental or unproven treatment.
All external equipment such as contact lenses, cochlear implants etc.

Premium

Premium is based on age of the proposer and geographical area of treatment.

Special Features of the Policy

Loyalty Discount

Good Health Discount

Income Tax Benefit under Section 80D of IT Act

How to claim?

To file a claim, please connect with us at insurance@surakshainsurance.com and provide all required documents so that a Competent Surveyor may be deputed immediately.

Claims are administered through Third Party Administrators (TPA) whose contact particulars appear on the policy document. Insured can opt for cashless or reimbursement facility for their claims. For more details please contact our nearest Office.