Eligibility Criteria
Minimum Entry Age |
18 years for adults |
Maximum Entry Age |
75 years of age |
Benefits
This policy is designed for health needs of the globally population and their families whilst working/travelling for work overseas.
A corporate can purchase this policy for their employees and dependents. The policy will be available as a group cover.
The plans are available under 4 different areas of coverage as listed below:
1) India, Africa, Middle East, Oceania, Asia(excluding China, Hong Kong, Singapore, Japan, Taiwan).
2) India, Europe, Canada, Latin America, Caribbean.
3) Worldwide excluding U.S
4) Worldwide including U.S (minimum sum insured of 2.50 crores)
Product Features
Sum Insured
Sum Insured is the amount of cover provided by the insurance company. |
Plan Name |
Sum Insured Options |
Ruby |
50 lacs / 2.5 cr |
Diamond |
1.50 cr / 3 cr / 4.5 cr / 6 cr / 9 cr / 12 cr |
|
Room Rent
Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization. |
In the event of hospitalization a person is entitle to get:
Ruby |
Diamond |
Upto Rs. 12,000/- per day |
Upto Private Room |
|
Hospitalization charges
This covers hospitalization expenses due to an illness or accident. |
The plan covers hospital accommodation, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured. |
AIDS/HIV cover
This plan covers for sexually transmitted diseases such as AIDS/HIV |
The plan covers for sexually transmitted diseases like HIV / AIDS up to sum insured.
|
Organ Donor
The medical expenses for an organ donor's treatment in the event of organ transplantation. |
This policy covers the expenses for organ donor’s treatment up to Sum Insured.
|
Domiciliary Hospitalization
If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domiciliary hospitalization. |
The plan covers domiciliary hospitalization up to Sum Insured. |
Private Ambulance Cover
In case of an emergency, the private ambulance charges are covered by the insurance company. |
Ambulance expenses up to sum insured hospitalization is covered under this plan. |
Pre existing disease
At the time of buying the policy, a person has to disclose the illness that he/she is suffering during lifetime. |
In this policy, an insured person is covered for pre existing disease from Day 1. |
Exclusions