General Insurance

My Health Medissure classic

Eligibility Criteria

Minimum Entry Age 3 months for child, 18 years for adults
Maximum Entry Age 65 years
 

Benefits

Ayurvedic Treatment

Coverage of cost of (non cosmetic) Ayurvedic treatment up to Rs. 25000/- per policy year, with prior approval from the company requiring 24 hours of hospitalization/ registered in patient with government hospital for the specified treatment.

 

Free Health Check up

For all insured persons at the end of 4 continuous claim free policy years, limited to 1% of average sum insured excluding cumulative bonus, per person in case of individual policy and for all members put together in case of a floater.

 

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
1 lac to 5 lacs in multiples of 1 lac for Individual Policies
2 lacs to 5 lacs in multiples of 1 lac for Floater Policies
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 30 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 60 days.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.
As per actual limited to 1% of sum insured per day subject to a maximum of Rs. 4000/- per day.
 

Other Features

Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Emergency ambulance charges up to Rs. 1500/- per hospitalization.
Co-Payment

After a insured member turns a certain age, co-payment is applicable. Co-pay is that part of your claim amount, which you have to bear.
10% co pay is applicable after the age of 80 years.
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.
 

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