Health Guard Policy is the perfect Health protection for you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious accident or illness.
Title |
Description |
Room Rent Limit |
Silver Plan:Up to 1% of Sum Insured |Gold Plan and Platinum Plan:Sum Insured 3 lacs to 7.5 lacs- maximum eligible room is Single private Air Conditioned room,Sum Insured 10 Lacs and above - eligible for any room category |
ICU Daily Rent Limit |
Silver Plan:Up to 1% of Sum Insured per day (Excluding Cumulative Bonus)|Gold Plan and Platinum Plan:If admitted in ICU, the Company will pay up to actual ICU expenses provided by Hospital |
Pre-Hospitalization Expenses |
60 days |
Post Hospitalization Expenses |
90 days |
Minimum Hospitalization Period |
24 Hrs |
Day Care Procedure Coverage |
All procedures covered |
Automatic Restoration of Sum Insured |
Recharge Benefit:- In event of claim amount exceeding the limit of indemnity, Sum Insured would be increased by 20% maximum up to 5 Lacs. |
Pre-Existing Disease / Illness coverage |
After 36 months. |
Waiting Period for New Policy |
30 days |
Co-Payment |
Voluntary co-Pay is available |
Medical Screening |
Age 46 and Above |
Free Health Checkup |
Silver Plan:-1% of SI up to Rs.2000 during the block of 3 years |Gold Plan:-1% of SI up to Rs.5000 during the block of 3 years|Platinum Plan:-1% of SI up to Rs.5000 during the block of 2 years |
Ambulance Expenses |
Up to INR 20,000/- per policy year |
Non-Allopathic Treatments |
Silver:-Not Covered |Gold And Platinum:-Up to INR 20,000/- per policy year |
Daily Hospitalization Allowance |
Daily Cash Benefit of Rs. 500 per day maximum up to 10 days, in respect of one parent/legal guardian, to stay with any minor Insured (under the Age of 12) |
Donor Expenses |
Covered
|
No Claim Bonus |
Up to 10 % of sum insured, Max 100 %, Super Cumulative Bonus 50% of base Sum Insured per annum for first 2 years and later 10% of base Sum Insured per annum for next 5 years max |