Claim Settlement Ratio 92%
Claim Settlement Facility 100%
Network Hospitals 6300
COVID-19 Cover Yes
Incurred Claim Ratio 75.72%
The minimum and maximum sum insured under the plan is Rs.3 lakhs and Rs. 1 Crore respectively. The policy covers the hospitalization expenses such as inpatient hospitalization expenses, day care treatment expenses, organ donor expenses, infertility expenses, maternity expenses etc. The policy covers the pre and post hospitalization expenses for 60 days and 180 days respectively. The pla provides coverage for alternative treatment such as Ayurveda, Yoga, Unani, Siddha and Homeopathy in addition to the Bariartic surgery. The company also takes care of the medical expenses incurred overseas. The policy offers a cumulative bonus of 50% for every policy year in case of no claims reported during the previous policy year.
The health total policy is designed to cover the health insurance requirements for family and individuals with customization. One plan can provide cover for the entire family at affordable premiums. This plan can cover up to 15 members of your family depending on the plan chosen as there are 3 variants under the plan i.e. Vital, Superior or Premiere. The plan covers the expenses involved for the treatment of mental illness. Medical expenses involved in seeking medical opinion online for an injury or illness is covered up to a certain limit under the plan. All the expenses involved in diagnosing an illness, including tests, checkups, imaging exams etc, are covered under the policy. The policy also covers the dental consultations and diagnostics up to 70% of the sum insured opted under the policy. The minimum and maximum sum insured under the plan is Rs.3 lakhs and Rs. 1 Crore respectively.
The plan is designed to provide super saving options to the customers with discounts up to 80% of the base premium in case of no claim made during the previous policy year. The discount would also be available for the subsequent renewals. Customers can save 1X at the time of first renewal with a discount on premium as well as the income tax exemption for the premium paid towards the health insurance plan. Health super saver 2X is when the customer can save for the renewal premium and with the income tax exemption in the subseq uent years. The policy also covers the home health care services. The policy covers the pre and post hospitalization expenses for 60 days and 90 days respectively.
The plan is designed to provide daily hospital cash benefits to the customers as these expenses would not be covered under the regular health insurance plan. These are known as out of hand expenses which are incurred at the time of hospitalization such as expenses for food, travel, x-ray charges and surgical accessories cost etc. This plan provides a daily allowance which can be used against incidental expenses incurred at the time of hospitalization. The plan provides lump sum benefits if the policyholder is hospitalized due to any of the listed conditions.