General Insurance

Enhance

Eligibility Criteria

Minimum Entry Age 1 day
Maximum Entry Age No age bar
 

Benefits

High Deductible Health Insurance

Deductible

A deductible is the amount of money that you pay before the insurance company will start to help with your medical bill.

Enhance 1 Enhance 2
Deductible 1-5 lacs 6-10 lacs 5 lacs 10 lacs 15 lacs 20 lacs
Sum insured 1-25 lacs
(As multiple of 1,2,3,4 or 5 times of Deductible)
6-30 lacs
(As multiple of 1,2 or 3 times of Deductible)
45 lacs 55 lacs 40 lacs 50 lacs 35 lacs 45 lacs 30 lacs 40 lacs
 
 
 

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a cover of Rs. 3, 5, 7 and 10 lacs.
In-patient hospitalisation

This covers hospitalisation 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 hospitalised
The plan covers pre-hospitalization expenses up to 30 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalisation.
The plan covers post-hospitalisation expenses of up to 60 days.
Health check-up

A free medical check-up is provided by the insurance companies to its policyholders.
This plan provides free health check-up every year.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.
In the event of hospitalization, the policyholder is entitled to:
Enhance 1 Enhance 2
Single Private a/c room Single Private a/c room,
upgradable to next level
 

Other Features

Day Care Treatments

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

ICU can be termed as Intensive Care Unit. If an insured person is admitted in ICU even the same charges can be claimed.
This plan covers ICU charges with no limit.
Organ Donor Cover

The medical expenses for an organ donor's treatment in the event of organ transplantation.
The plan covers organ donor expenses 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 10% bonus on sum insured.
Complete Care

This plan provides a complete care option without any deductible.
After 4 years of continuous coverage, you have an option to convert your deductible plan to comprehensive health insurance plan without any deductible.
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.
If an insured person enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy and the company pays the rest.

Exclusions

  • Genetic Disorder
  • Sexually transmitted disease or illness
  • Artificial Life Maintenance
  • Mental disorders (including treatments for mental health)
  • Eye Cover
  • Dental Cover
  • Congenital disease
  • Recovery Benefit
  • Any OPD cover
 
 

FAQs

 

Can I take two policies and get claims under both of them?

In case of an indemnity cover (one that seeks to compensate the actual loss )--for instance, a policy that covers property, if there are two policies in vogue, the loss shall be shared by both the policies. In no case can an insured get more than the actual pecuniary loss he or she has incurred. On the other hand, in respect of benefit policies like the Personal Accident policy, where a fixed compensation is paid, no matter what the actual loss is , one may obtain more than one policy.

 

I am already covered by my Employer in a Group Mediclaim policy, do I need to buy a separate policy? In case of a claim will I get paid from both policies?

It's good that your employer covers you under a group mediclaim but generally the SI of such policies is very low. This amount seems to be insufficient in today's scenario where the cost of treatment is increasing every year. Most of the group mediclaim policies has clauses of co-pay and deductibles built in and due to these the insured has to pay from his pocket. There are times when you change job and then you get covered under a new policy. As a result of this insured losses on his pre-existing benefit that he has accrued over the period. There is always a time gap between joining a new job when the individual and his family is not covered. This makes them susceptible to risk situation. The insured might even think of starting his own business and this he and his family will no longer be covered under any insurance policy.

 

What is Pre existing and Waiting periods in a health Insurance policy?

Pre-existing are the diseases from which a customer suffers from before taking a policy cover. Most of companies in industry provide coverage to these pre-existing diseases after 2/3/4 continuous years of coverage.

Waiting period is also called the cooling period. It is the time after the purchase of policy under which no claim is paid other than in the situation when claim has resulted due to an emergency situation. It varies (from 30 days to 90 days ) from insurer to insurer.