Care Comprehensive Health Insurance Plan
Care – Comprehensive Health Insurance
Plan
1)
Single STD. Room Rent at Actual
2)
ICU Rent at Actual
3)
100% Automatic Recharge
on Claim
4)
30 Days Before - Pre Hospitalization
Expenses Cover
 |
5)
60 Days After - Post Hospitalization Expenses Cover
6)
No Claim Bonus
50% Bonus
1 Yr 10%
2
Yrs 10%
3
Yrs 10%
4
Yrs 10%
5
Yrs 10%
150%
|
Bonus
Sum Insured :
10 Lakhs With 50% Bonus
10 Lakhs
1
Yr 10% (1Lakhs) = 11 Lakhs
2
Yrs 10% (1Lakhs) = 12 Lakhs
3
Yrs 10% (1 Lakhs) = 13 Lakhs
4
Yrs 10% (1 Lakhs) = 14 Lakhs
5
Yrs 10% (1Lakhs) = 15 Lakhs
Maximum Policy 15,00,000
Sum Insured :
10 Lakhs With 150% Bonus
10 Lakhs
1
Yr 60% (6 Lakhs) = 16 Lakhs
2
Yrs 60% (6 Lakhs) = 22 Lakhs
3
Yrs 10% (1 Lakhs) = 23 Lakhs
4
Yrs 10% (1 Lakhs) = 24 Lakhs
5
Yrs 10% (1Lakhs) = 25 Lakhs
Maximum Policy 25,00,000
7)
Organ Donor Cover *
8) 
FREE Annual Health Check up
Annual Health Check up
Sum Insured : 3 Lakhs
4 Lakhs
Sum Insured : 5, 7 &
10 Lakhs
Sum Insured :
15,20,25,30,
40,50,60 & 75
Lakhs
Complete Blood Count
with ESR, Urine Routine, Blood Group, Fasting Blood Sugar,
Serum Cholesterol, SGPT, Serum Creatinine, ECG
Complete Blood Count
with ESR, Urine Routine, Blood Group, Fasting Blood Sugar, Lipid Profile, Kidney Function Test, ECG
Complete Blood Count
with ESR, Urine Routine, Blood Group, Fasting Blood Sugar, Lipid Profile, TMT, Kidney
Function Test
9)
Maternity Cover upto 1 Lakhs* (Sum Insured 50 Lakhs &
above)
10)
Ambulance Cover up to 1500 to 3000
11)
Second Opinion Benefit (Fix illness Only) *
12)
Alternative Treatments AYUSH
(Ayureveda, Unani, Sindha & Homeopathy)*
13)
Care Anywhere –
50 Lakhs
& above (Major illness Only)*
14)
541 Day Care Procedures Cover
15)
Domiciliary Hospitalization up to 10% of Sum Insured
16)
Daily Allowance
(Rs. 1,000 to 10,000)
Optional Cover
Unlimited Automatic Recharge Everyday Care
OPD Care
Daily Allowance
BIG CHANGE
Coverage for Advanced Technologies &
Treatments
Coverage of certain Existing Permanent Exclusions
Reduction in Non-Consumable item List
17)
Robotic Surgery
Customers can
have comfort of shorter Hospitalization
& Reduced Recovery Time with ROBOTIC SURGERY
18)
Stem Cell Therapy
Customers can more equipped
to defeat Major illness like : CANCER
19)
Bronchical Thermoplasty
Customers can now treat their Asthma with Bronchical Thermoplasty
20)
ORAL Chemotherapy
NOW Customers can FIGHT
CANCER with ORAL CHEMOTHERAPY
21)
Mental illness Coverd
Treatment of MENTAL ILLNESS Like : Depression, Anxiety etc.
are NOW covered
22)
HIV/AIDS
Now HIV/AIDS Treatment also POSSIBLE
23)
Bariatric Surgery
Customers reduce OCCURRENCE OF
Type 2
Diabetes, Joint Replacements, Heart Ailments,
Cancer
24)
INTRA VITREAL INJECTIONS Treatment of EYE related Ailments with Intra Vitreal Injections is possible NOW
AND MANY MORE!!
• Artificial Life maintenance,
Including life support machine use.
• Coverage
for
various genetic diseases like :
sickle cell anaemia, down syndrome,
thalassemia, klinefelter syndrome.
Reduction in Non- Consumable Item
List
List
1 : Only 68 List of Expenses Generally Excluded (“Non-medical”) List 2 : List
of 32 Items that are to be subsumed into Room Charges List 3 : 23 Items that
are to be subsumed into Procedure Charges
List 4
: List of 32 Items that are to be
subsumed into costs of treatment List 5 : List
of 25 Items that are not Payable
 |
First 2 Years Waiting
Period
Piles Hernia Cataract
 |
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 |
 |
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Tonsils Gall Stone Renal Stone
First 2 Years Waiting
Period
 |
 |
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Urine Stone Nasal Polyps Sinus
Degenrative Disc Varicose Veins Varicose Ulcers
First 2 Years Waiting
Period
 |
 |
||
Fissure & Fistula
Vertebral Diseases Prolaspse of Intervertebral Disc
 |
 |
||
Deviated Nasal Septum Haemorrhoids Chronic Supparative Otitis Media
First 2 Years Waiting
Period
Cogenital Internal
Disease
Pancreatic Stones
Uterus
Related
Disorders
Arthroscopic
Repair/Removal Hydrocele
Benign
Prostate
Hypertrophy
Pre-Existing Diseases
First 30 Days Waiting Period
Covered After 4 Years of Continuous
Renewal With Company
Any thing apart from Accident
covered after 30 Days
Permanent exclusions
• Dental Treatment (Apart from accident & If mentioned in Policy)
•
Pure Diagnostic tests
•
Run Down / General Weakness, etc..
•
Bodily Injury / illness Under Influence of Alcohol / Durgs
& Against Law
• Cosmetic Treatments
Including Refractive Error or Lasik Operation
•
Treatment For Weight Loss
Please read Policy wordings for
detailed list of Exclusions
When will my Mediclaim Policy Cover Start
Accident Related FROM DAY 1
Surgical (Newly Diagnosed Critical illness)
Non-Surgical (Eg : Dengue, Jaundice,
Malaria,
Typhoid etc..
Other Surgery Such
as Piles, Hernia
etc…
All Pre-Existing Diseases ( Diseases which you or yr family
member have before buying mediclaim policy
“RELATED TO” or “ CAUSING
DUE TO
Suicide, Cosmetic, Alcohol, Tabacco, Against
Law, Pure Diagnostic, Daily Medicine, Weight
Loss, Lasik, Dental, General
Weakness
AFTER 30 DAYS
AFTER 30 DAYS
AFTER 24 Months
AFTER 48 Months
NO CLAIM IS
PAYABLE
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