Haresh(Harry)Nathani
Cell +91 986 721 4103
E Mail [email protected]
We also Sell Various financial products
Life Insurance from ICICI Prudential & LIC
General Insurance: Mediclaim, Personal Accident,
Marine, Motor, Foreign Travel.
Mutual Funds
Fixed Deposits, Debentures, Bonds
We have online facilty for all financial products
Astro Guru Harry/R H Enterprises
India
ph: +91 986 721 4103
Coverage
(The below mentioned benefits may vary according to plan opted for, continue reading for more details)
All expenses pertaining to in-patient hospitalisation such as boarding and nursing expenses, intensive care unit charges, surgeon’s & doctor’s fee, anesthesia, blood, oxygen, operation theatre charges etc. incurred during hospitalisation for a minimum period of 24 consecutive hours are covered under basic hospitalisation cover.
All the medical expenses incurred while undergoing Specified Day Care Procedures/Treatment (as mentioned in the list which require less than 24 hours hospitalisation
are covered).
Medical expenses incurred, immediately 30 days before and 60 days after hospitalisation will be covered.
Reimbursement up to `1,500 per hospitalisation for reasonable expenses incurred on availing an ambulance
service offered by a hospital/ambulance service provider in an emergency condition.
Reimbursement for medical expenses incurred for delivery, including a cesarean section, during hospitalisation or lawful medical termination of pregnancy during the Policy Period. The waiting period for Maternity Cover is 3 years. Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy, subject however to the portability regulations. The cover shall be limited to 2 deliveries/terminations during the period of insurance. Pre-natal and Post-natal expenses shall be covered under this benefit.
The new born child can be covered under this policy during hospitalisation for a maximum period upto 91 days from the date of birth of the child. This cover will be provided only if maternity cover is taken.
Reimbursement for the medical expenses incurred as an Outpatient (OPD). Amount ranges from ₹ 2500.00 to ₹ 25000.00 as per plan choosen
All the expenses pertaining to routine health check-ups and for other wellness and fitness activities will be
reimbursed.
A certain amount (As per the plan chosen) will be paid for each and every completed day of hospitalisation. Amount ranges from ₹ 13500.00 to ₹ 24000.00 as per plan avaialed
A certain amount (as per the plan chosen) will be paid for each and every completed day of hospitalization, if such hospitalization is atleast for a minimum period of 3 consecutive days and subject to a maximum of 10 consecutive days.
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A benefit amount of Rs.10,000 will be offered to every insured once for each Policy year and insured will be paid in case of hospitalisation arising out of any Injury or Illness as covered under the policy, for a period of 10 consecutive days or more.
An amount of ₹ 3,000 per day for a maximum of up to 15 days post hospitalisation for the medical services of a nurse at your residence.
In the event of hospitalisation exceeding 5 days, the cost of economy class air ticket up to ` 20,000 incurred by
the customer’s ”immediate family member” while traveling to place of hospitalisation from the place of origin/residence and back will be reimbursed. Immediate family member would mean spouse, children and parents.
Reimbursement of necessary and reasonable travel expenses, incurred as a result of evacuation to the nearest
hospital under a medical emergency condition.
• Free Health check-up (T2)
• Online Chat with doctor
• Specialist Consultation with One Follow-up session
• Dietician & Nutritionist consultation
• Discount Coupon Book
Donor Expenses*:
Reimbursement upto Rs. 50,000 for such medical expenses as incurred by the organ donor for undergoing any organ transplant surgery for your use.
The customer can also opt for a Personal Accident Cover where a fixed sum is paid upon the unfortunate event
of Accidental death or Permanent Total Disablement resulting from an Accident. This cover can be availed only
once during your lifetime. Once a claim becomes payable under this cover, no benefit will be provided under
the same thereafter.
Critical illness Cover*:
Provides cover on diagnosis of specified Critical Illnesses/ Medical Procedures as per the sum insured of the policy.
This cover is available on all Sum Insured options.
The benefit amount on the above circumstances will be payable depending on the diagnosis of the illness.
*Maximum 2 adults can apply up to 60 years.
Key features
(The below mentioned benefits may vary according to plan opted for, continue reading for more details)
The Policy provides for life-long renewal.
The minimum entry age for the customer to get in the policy is 6 years and there is no restriction
on maximum entry age. Childern between 3 months to 5 years can be insured under floater plan only.
Pre - existing diseases / conditions will be covered immediately after 2 years / 4 years* of continuous
coverage under the policy since the issuance of the first policy with us. Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy, subject however to the portability regulations.
*4 years is only applicable `2 Lakhs Sum Insured.
The customer can get the hospitalisation cover with a reduced premium by limiting the medical expenses
pertaining to specified medical and surgical procedures.
Floater cover to get family (self, spouse, dependent parents, dependent children, brothers and sisters)
covered for the same Sum Insured under a single policy by paying one premium amount.
The customer is entitled for an Additional Sum Insured of 10% of Sum Insured, for every claim-free policy
year under the policy on its renewal subject to a maximum of 50%. However, in the event of a claim,
such accrued Additional Sum Insured will get reduced by 20% of Sum Insured on next renewal of policy.
Option of choosing Policy Period of 1 or 2 years under various plans offered.
Avail cashless hospitalisation at any of our network providers/ hospitals. A list of these hospitals/ providers will be sent along with the policy.
The customer is entitled for a free health check-up at designated centres. The coupons would be provided
to each Insured for every policy year, subject to a maximum of 2 coupons per year for floater policies.
Avail tax saving benefit on premium paid under health section of this Policy, as per Section 80D of Income
Tax Act, 1961 and amendments made thereafter.
No medical tests will be required for insurance cover below the age of 46 years and Sum Insured
up to `10 Lakhs.
Policy can be cancelled by giving 15 days written notice.
Out Patient Treatment Cover:
Customer can choose range of Sum Insured up to ₹ 50 lacs. The Sum Insured means and denotes the maxmium amount of cover available to you during each policy year of the policy period.
IRDA has issued the guidelines on Portability of health insurance according to which Portability has been made effective since Oct 1, 2011.
What is health insurance?
A health insurance policy will provide a cover to you and your family against sudden medical contingency or bodily injury.
Why health insurance?
Every human being is exposed to various health hazards.
Medical emergency can strike anyone without pre-warning.
Inadequate facilities in government hospitals
Private hospitals are too expensive
Medicines have become quiet expensive
Diagnostic charges are beyond common man's reach
Specialists come at a price
Tax benefit under section 80 D of the Income Tax Act
Health risk is a personal risk, which could arise from various factors viz.
a) Physical condition
b) Psychological condition
c) Accident related
d) Occupational related
e) Environment related
f) Life style related
g) Travel related
What is the kind of medical emergency that can strike?
A medical emergency can be:-
Medical illness
Injury / Accident
Major illness
Critical illness
Chronic illness
Untreatable
Terminal
What impact will a medical emergency have on you and your family?
A medical emergency can
Burn a hole in your pocket
Immediate need for medical aid
Loss of quality life
Loss of career options / Income
Disruption in home life
Mental trauma and incapacitation
What does a standard insurance policy cover?
A standard health insurance covers :
Room and boarding expenses provided by the hospital
Nursing expenses
Diagnostic and medicine expenses
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees
Anesthesia, blood, oxygen, operation theatre expenses, cost of surgical appliances, medicines and drugs and similar expenses
Pre-hospitalisation and post hospitalization expenses subject to conditions and limits .
What are the benefits of buying health insurance at a young age?
Health insurance premium tends to increase with age -- more the age, higher the premium.
You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.
In addition, each 'no claim' year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of 'no-claim' bonus varies from company to company.
Lastly, income tax benefit under Section 80 D of the Income Tax Act.
How is premium determined?
Premium depends on several factors viz.
Your age
Amount of coverage required
Number of family members covered
Other additional benefits
Your health condition
Your income \ earning
How does a health policy differ vis-à-vis a life insurance policy?
The health insurance plan is more comprehensive in its coverage. All expenses involved in hospitalization fall under its purview. Life insurers usually cover critical illness and hospital cash extensions (only room rent charges) on life policies, which do not include doctor's fees, expenses incurred on buying medicine and surgery costs etc.
Why is it important to disclose health details when I buy a policy?
Mention of details is critical since insurance companies assess the policyholder's risk profile on the basis of his/her health. An insurance contract works on the principal of "utmost good faith", which implies that information furnished by a policyholder is true and correct. Moreover, non-disclosure can also lead to rejection of a claim.
For more details & requirements of this product call/sms Haresh Nathani +91 986 721 4103
E Mail
Astro Guru Harry/R H Enterprises
India
ph: +91 986 721 4103