Health insurance policy waiting period in tamil #healthinsurance #mediclaim #shorts

Waiting Period:
Pre-Existing Diseases:
30 months in case of 3 years term
36 months in case of 1 year and 2 years term
Specified disease / procedure waiting period: 24 months
Initial waiting period: 30 days
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Room, Boarding, Nursing Expenses all inclusive as provided by the Hospital / Nursing Home as per the limits given below:-
Sum Insured in lakhs (Rs.) 5/10/15/20/25/50 75 / 100 / 200
Room Rent Criteria Up to 1% of Sum Insured or upto Rs.20,000/- per day whichever is less No limit on Room Rent (Any room)
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
All day care treatments are covered
Coverage for Non-medical Items (Consumables) available click here to view details
Road Ambulance charges for transportation of Insured Person covered subject to an admissible Hospitalisation Claim.
Air Ambulance : up to 10% of the Sum Insured per year is payable
Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
Post- Hospitalization expenses incurred up to 180 days after discharge from the hospital.
Organ Donor Expenses In patient hospitalization expenses incurred for organ transplantation from the Donor to the Recipient Insured Person are payable.
Health Checkup Assure: Expenses incurred towards cost of health check-up up to the limits for each policy year (irrespective of claim).
Home care treatment: Payable up to 10% of the sum insured subject to maximum of Rs.5 lakhs in a policy year, for treatment availed by the Insured Person at home, only for the specified conditions
Delivery Expenses : Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal expenses) up-to 10% of the Sum Insured is payable.
In Utero Fetal Surgery/Intervention : The Company will pay the expenses incurred for listed In Utero Fetal Surgeries and Procedures after the waiting period of 24 months from the date of inception of this policy
Assisted Reproduction Treatment: The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment upto the limits in a policy year, for sub-fertility
Hospitalization expenses for treatment of New Born Baby: Cover New born baby from Day 1 of its birth subject to limits.
Treatment for Chronic Severe Refractory Asthma : cover is payable up to 10% of sum insured not exceeding Rs.5 lakhs per policy period.
Compassionate travel: The Company will reimburse the transportation expenses by air incurred upto Rs.10,000/- for one immediate family member(other than the travel companion) for travel towards the place where hospital is located.
Treatment in Valuable service providers network: An amount calculated at 1% of Sum Insured subject to a maximum of Rs.5,000/- per policy period is payable as lump sum.
Shared accommodation: An amount of Rs.1,000/- per day will be payable for each continuous and completed period of 24 hours of stay in such shared accommodation.
AYUSH Treatment: AYUSH treatment is payable up to the sum insured.
Coverage for Modern Treatment: Please click here
Benefit/Premium illustration for Individual and Floater basis please Click Here
Cumulative Bonus: The insured person will be eligible for Cumulative bonus calculated at 25% of sum insured for each claim free year and maximum upto 100% of the sum insured
Automatic Restoration of Sum Insured: Unlimited number of times and maximum up to 100% each time, which can be utilized for a subsequent hospitalization
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