General Insurance

Health Suraksha Gold

Eligibility Criteria

Minimum Entry Age No Limit
Maximum Entry Age No Limit
 

Key Highlights

  • No Limit for age at entry
  • AYUSH cover available without any sub limit
  • Maternity benefit available after a waiting period of 4 years along with New born baby cover
  • Convalescence benefit provided if the period of hospitalization exceeded 10 consecutive and continuous days
  • E-opinion provided on diagnosis of critical illness
  • No sub limits on any disease, room rent, hospital charges and doctor fees
 

Product Features

 

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
3 lacs, 4 lacs,5 lacs, 7.5 lacs and 10 lacs sum insured available under this plan.
In-patient hospitalisation

This covers hospitalization expenses due to an illness or accident.
The plan covers hospital accommodation up to Single private room, 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.
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalized.
The plan covers pre-hospitalization expenses of up to 60 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalization.
The plan covers post-hospitalization expenses of up to 90 days.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.
This plan doesn’t have any sub limit on room rent.
 

Other Features

Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
3 lacs, 4lacs, 5 lacs 7.5 lacs, 10 lacs
Rs. 2000/- Rs. 3500/-
Domicilliary Hospitalisation

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.
Day Care Treatments

These are treatments that don’t require a 24-hrs hospitalization and conducted in a hospital or day-care center.
This plan covers the expenses of day care treatments up to Sum Insured.
Organ Donor Cover

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.
No-claim Bonus

If the policyholder does not make any claim during the year, he is entitled to a bonus in addition to his sum insured.
With every claim-free year, the plan provides an additional 5% bonus on sum insured.
 

Exclusions

  • Genetic Disorder
  • Sexually transmitted disease or illness
  • Artificial Life Maintenance
  • Mental disorders (including treatments for mental health)
  • Weight loss treatment
  • Alternative Practice
  • Recovery Benefit
  • Congenital external disease