Health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient.
Inpatient Care. HealthCheck up. No Room Rent Limits. Ambulance Expenses. Day Care Procedures. Insurance coverage: Pre-Post Hospitalization.
Individual Health Insurance Plans – Features and Benefits
- Organ donor expenses covered
- cumulative bonus benefit for each claim free year
- Tax saving up to Rs. 100,000 under Sec 80D*
- No medical tests up to 45 years, subject to clean proposal form
- Ayurvedic and Homeopathic hospitalization cover
- Free preventive health check-up asper policy conditions.
- Maternity and new born baby expenses cover
- Daily Cash Benefit for Accompanying an Insured
- A waiting period of 3-4years will be applicable in the case of pre-existing diseases .
- Any disease contracted during the first 30 days of commencement of the health insurance policy will be excluded from coverage.
- Certain diseases such as hernia, piles, cataract and sinusitis shall be covered after a waiting period of 2 years.
- Waiting period of 3-4 years for Joint replacement, PIVD
- Treatment for use of intoxicating and/or addictive substances like alcohol, drugs etc. will not be covered
- Waiting period of 3 years for bariatric surgery
- Waiting period for maternity/new born baby expenses