Health Suraksha is a basic health insurance policy which pays for medical expenses incurred by any member insured under the scheme. It covers any condition, injury or ailments diagnosed
Title |
Description |
Ambulance Expenses |
Maximum ? 2000 for Gold and Platinum Plan, Maximum ? 750 for Topaz and Ruby Plan, Overall limit of ? 1500 per policy year. |
Attendant Allowance |
Not covered |
Automatic Restoration of Sum Insured |
This benefit is available for sum insured of ? 300000 and above. Recharge shall beavailable only for future claims irrespective of whether the claim is for the same ailment for which insured has claimed . |
Co-Payment |
Co-payments are applicable in case of admission in room with higher room rent than the eligible limit in case of Topaz and Ruby Plans |
Daily Hospitalization Allowance |
500 per day, up to 60 days under Platinum plan. |
Day Care Procedure Coverage |
Covered |
Donor Expenses |
Covered |
Free Health Checkup |
Medical Checkup - At the end of every continuous period of 4 claim-free years |
ICU Daily Rent Limit |
Gold Plan SI 50K,1 Lakh,1.5 Lakh 2% of SI per day, For other SI under Gold Plan actual.
Platinum Plan Actual.
Topaz and RubyPlan 1% of the SI
|
Minimum Hospitalization Period |
24 hours |
No Claim Bonus |
10% for every claim-free year to Max 50% |
Nursing Allowance |
Covered |
Post Hospitalization Expenses |
90 days. For Topaz and Ruby Plan 1% oF SI upto 90 days. |
Pre-Existing Disease / Illness coverage |
Covered after4 years of continuous Coverage. |
Pre-Hospitalization Expenses |
60 days. For Topaz and Ruby Plan 1% oF SI upto 60 days. |
Room Rent Limit |
Gold Plan SI 50K,1 Lakh,1.5 Lakh 1% of SI per day, For other SI under Gold Plan actual.
Platinum Plan Actual.
Topaz,RubyPlan 1% of the SI.
|
Waiting Period for New Policy |
30 days |