General Insurance

Wedding Gift Health Insurance Policy

Eligibility Criteria

Minimum Entry Age 18 years or above
Maximum Entry Age 40 years
 

Benefits

  • Non allopathic treatments up to 25% of sum insured per occurrence subject to a maximum of Rs. 25,000/- per policy period.
  • Non pre acceptance medical screening required
  • Cost of test incurred for detecting any disorders in the fetus up to Rs. 1,000/- (after a waiting period of 27 months)
 

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 and 5 lakhs.
In-patient hospitalisation

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.
Pre-hospitalization

It covers the medical expenses due to an illness before the insured is hospitalized.
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 hospitalization.
The plan covers post-hospitalization expenses in a lump sum calculated at 7% of the hospitalization expenses subject to maximum of Rs. 5,000/- is payable.
Maternity Cover

This plan cover maternity related expenses incurred with respect to hospitalization for the delivery of the child.
This plan provides maternity related expenses including pre and post natal expenses:
For 3 lacs Sum insured For 5 lacs Sum Insured
Normal delivery: Rs. 15,000/- Normal delivery: Rs. 20,000/-
Cesarean delivery: Rs. 20,000/- Cesarean delivery: Rs. 25,000/-
Pre natal expenses: Rs. 1,500/- Pre natal expenses: Rs. 2,000/-
Post natal expenses: Rs. 2,000/- Post natal expenses: Rs. 4,000/-
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 get up to Rs. 4,000/- per day.
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.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
This plan covers ambulance cover up to Rs. 1,000/- per hospitalization and overall limit up to Rs. 1,500/- per policy period.
 

Exclusions

  • Genetic Disorder.
  • Sexually transmitted disease or illness/AIDS
  • Artificial Life Maintenance.
  • Mental disorders (including treatments for mental health).
  • Eye Cover
  • Dental Cover
  • Recovery Benefit.