Let’s start
For your
quick reference I will right very short and to the point so that you can grasp
easily in short time …
Product Feature
|
Availabilty
|
InPatient
|
Cashless (100 percent payment will be born by
Insurance unconditionally)
|
Room Type
|
Full Cashless for Private AC room for
insurance 5 lakh and above.In the absence of private AC room , upgrade is
available with full cashless.There is no cap.
|
ICU Charges
|
Full cashless for charges for sum insured
5lakh and above
|
Pre Hospitalisation Expense
|
Before admit (30 days) 100 percent expenses
born by patient will be reimbursed.There is no cap.
|
Post Hospitalisation Expense
|
After discharge till 60 days, 100 percent
expenses born by patient will be reimbursed.There is no cap.
|
Day Care Treatment Available
|
Yes (586 listed procedures covered)
Example: Catract operation which is done and patient is discarged in 2 hours but 100 percent cashless and there is no cap. |
Home Care Treatment
|
Yes availble (Upto 10% of SI)
|
Ambulance Cover
|
• `1,500 - for SI `2 lakhs, `3 lakhs, `4 lakhs
• `2,000 - for SI `5 lakhs - `10 lakhs • `2,500 - for SI `15 lakhs - `40 lakhs • `3,000 - for SI `50 lakhs - `75 lakhs • `5,000 - for SI `1 Crore - `2 Crores |
Organ Donor Expense
|
Yes 100 percent covered.
Example: Supose patient is transplanting kidney from somebody , then expense for both patient and donor will be cash less 100%.There is no cap |
Covers treatments given under
Ayurveda, Unani, Siddha, Yoga & Naturopathy and Homeopathy systems. |
• `15,000 - for SI `2 lakhs, `3 lakhs, `4
lakhs
• `20,000 - for SI `5 lakhs - `10 lakhs • `30,000 - for SI `15 lakhs - `40 lakhs • `40,000 - for SI `50 lakhs - `75 lakhs • `50,000 - for SI `1 Crore - `2 Crores |
Vaccination Cover
|
Yes (SI 1 Crore and above policy)
|
No Claim Bonus
|
10% of SI per annum, max up to 50% of SI
|
Reload of Sum Insured
|
Upto 150% of SI, Max up to `50 Lacs
Even if your Sum Insured gets exhausted, we will reload your Sum Insured amount by another 150% |
Health Check-up Program
|
Annual
|
Second E-Opinion on Available
|
Yes for 15 listed Critical Illnesses
Critical Illnesses |
Domestic & International
Emergency Assistance Services (including Air Ambulance) |
Available
Suppose you are at village and something happened and local doctor couldnot cure you , you can book flight and come to bangalore etc for treatment which is 100% cashless The above is available if you are at abroad too |
HealthReturns
|
• Earn up to 30% of your premium as
HealthReturnsTM.
• This is earned through a combination of Healthy Heart Score™ and Active DayzTM If you do this for consecutive 3 years , 4th year premium is 0. |
Addon and optional 1
Unlimited Reload of SI |
100% of SI (Unlimited times)
|
Addon and optional 2
Super NCB |
Additional 50% of SI per annum, max upto 100%
of SI
|
Addon and optional 3
Any Room Upgrade |
Available with SI `5 lakhs and above
|
Eligibility and Criteria
·
Individual
policy: Minimum entry age 5 yrs and there is no maximum age of entry
·
Family
floater policy: - We cover up to 6 members (2 Adults + 4 Children) comprising
of Self, Spouse and Dependent children (up to 25 yrs) in a single policy
·
Dependent
children from 91 days to 5 yrs will be covered only if one adult is covered in
the floater policy
·
There
is no maximum age of entry.
Waiting
Period and Co-Payments
·
30
days waiting period: In the 1st year of the policy cover there is a 30 days
waiting period for any treatment, except an accidental injury.
·
2
year waiting period: For specific illnesses/treatment like Cataract, Hernia,
Sinusitis, Joint replacement surge, Varicose veins etc.
·
Pre-existing
disease waiting period: 48 months
·
Mandatory‑
20% Co-Payment: For age of entry at 61 yrs and above
Premium:
Looking
at the benefits, the premium is very less .You will get many benefits withot
paying any add on fee , which are available with other insurance company with
additional add on premium
Other Benefits:
If
you avail this benefit, how you will available Gym Facility with just 2000 (before
GST), That I will tell you in the subsequent blogs
Not
Covered:
Maternity
Cases (It happens in life once or twice max , the benefit which I am getting
this policy is enormous considering only the exclusion for maternity , Isn’t it
!!)
Permanent Exclusion:
• War, act of foreign enemy, uprising, revolution, insurrection,
milita or usurped acts.
• Breach of law with Criminal Intent, intentional self inju
• Abuse or the consequences of the abuse of intoxicants or
hallucinogenic substances
• Cosmetic, aesthetic and re-shaping treatments & surgeries
• Hearing aids, spectacles or contact lenses including
optometric therapy
• Psychiatric or psychological disorders, mental disorders
• War, act of foreign enemy, uprising, revolution, insurrection,
milita or usurped acts.
• Breach of law with Criminal Intent, intentional self inju
• Abuse or the consequences of the abuse of intoxicants or
hallucinogenic substances
• Cosmetic, aesthetic and re-shaping treatments & surgeries
• Hearing aids, spectacles or contact lenses including
optometric therapy
• Psychiatric or psychological disorders, mental disorders
For additional
information can mail me or add comments or call me (9886220149)
Hey...Great information thanks for sharing such a valuable information. you may also check our blog.
ReplyDeleteAditya Birla Fashion and Retail Ltd
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ReplyDeleteHello, thanks for sharing the Aditya Birla Health Insurance Diamond Plan Review. Nowadays, with the rising cost of healthcare expenditure, finding affordable health insurance plan and paying for hospital stays is financially a bit difficult . Therefore, obtaining mediclaim policy for self and for our family will be a great investment in our Health. But can you please tell me will I get discount if I am insuring more than one family member in the same policy?
ReplyDelete