these days of super speciality facilities, medical services
have become very expensive. One need not hesitate to avail
of the best of the treatment, when one is covered under a
Any one of the age group of 5 to 80 years can take the
policy. Children in the age below the age of 5 years can
also be covered from the age of 3 months onwards provided
one or both of the parents are covered concurrently. Higher
limits are permitted if the policy is in renewal for the
preceding three years. Suitable for persons of any
nationality but treatment should be availed of within the
country and the claim is paid in Indian currency.
Provides cover, which takes care of medical expenses
following hospitalization from sudden illness or accident.
Cover extends to pre-hospitalization and
post-hospitalization for periods of 30 days and 60 days
respectively. Domiciliary hospitalization is also covered.
Reimbursement of medical expenses.
Discount in insurance premium is allowed on family package,
cumulative bonus and health check. In case of family package
cover, a single member can avail of the entire policy
limits. Pre-existing diseases not covered. The premium paid
by a cheque upto a maximum of Rs, 10,000 is totally exempt
from income tax.
The term means that a patient can be treated at home when he
is not in a fit condition to be moved to the hospital or
where there is no accomodation in the specialist hospital
1. The treatment was for a period not less than 3 days.
2. The sub limits of sum insured towards domicilary
hospitalization are furnished in the sum insured and premium
The facility is not available if any illness in contracted
within 30 days from the commencement of risk except in case
of an accident.
Any pre-existing diseases.
Treament for cataracts, benign prostatic Hypertrophy,
Hydrocele, Congenital internal diseases, Fistula in anus,
Piles, Sinusitis and related disorders for 1st year of
All the expenses incurred in respect of any treatment
relating to pregnancy or childbirth.
AIDS or conditions of similar kind.
Directly or indirectly connected with war or nuclear waste.
A completed proposal form. If the proposer is a 'Diabetic',
a separate questionnaire completed by family physician.
required for making Medical Insurance