ICICI Lomard

Health Plus Advantage:This is a very good and beneficial plan introduce by the ICICI Lombard with floter facility. A
person can save tax as well as get tax benefit against their investment.
Advantage:1. Floater cover :- Anyone out of the 2 adults insured can avail of either covers
under Health Advantage Plus; Floater provides a common cover for both
members

2.No Medical Checkup

3.Cashless
Hospitalization

4.Maximum Tax
Benefit

.
No health check-up up to the age of 55 years (age as
on last birthday)

Simply use our 'Health Advantage Plus' ID card

at any of the empanelled 3500+ hospitals and
avail of cashless service, a boon for those times
when you need finance the most. This benefit is
only for hospitalisation claims.

You can avail a full utilisation of tax benefit on

up to Rs. 15,000/- (Rs. 20,000 for Senior
Citizens) as premium paid under Section 80D of
the Income Tax Act,1961. This will save up to
Rs. 4635/- ^ in your tax liability in one years.

For the first time in India,a person can avail of an insurance cover for orthopedic,
maternity, dental, pharmacy, general practitioner and other medical expenses incurred
up to the sum insured on OPD basis.
The following OPD expenses are covered:
Room, Boarding Expenses as charged by the Hospital
Nursing Expenses
Expenses related to Dental Treatment
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees
Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Consumables,
Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy,
Radiotherapy, Cost of Pacemaker, Cost of Artificial Limbs External Medical Aids, Dental

treatment charges, Ambulance charges

.

Disadvantages:- We can lodge a claim only once during the Period of Insurance, i.e. 90
days after commencement of policy and up to 30 days after expiry of the Period of
Insurance.
Any illness / disease / injury pre-existing disease before the inception of the policy.
However, this exclusion ceases to apply if the policy is renewed with the Company for 2
consecutive years.
Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic
and obesity related treatment are not covered in this plan.
- Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor,
intoxicating substances or drugs as well as intentional self injury are not covered.
- War, riots, strike, nuclear weapon induced treatment are not covered.

Individual Personal Accident Insurance:It is the insurance plan introduce by the ICICI Lombard to ensure personal safety for
us. Individual Personal Accident Insurance Policy provides immediate coverage on
policy issuance. This policy covers you against Accidental Death & Permanent Total
Disablement (PTD) on account of an accident.
Customised coverage that offers choices in sum insured.
The insurance cover is available in options of Rs. 3 Lakhs, 5 Lakhs, 10 Lakhs or 20
Lakhs.
The Policy Covers:- Individual Personal Accident Insurance pays our nominee the sum
insured chosen, in case an accident occurs during the policy period resulting in the
insured's:

Death

Permanent Total Disability - Individual Personal Accident Insurance pays

compensation against the permanent and total loss of limbs, sight etc., (including on
account of terrorism or acts of terrorism) due to an accident.
A person can get the following during period of insurance.
Loss of use/Actual loss by
physical separation of
Sight of both eyes
Both hands
Both feet
One hand and one foot
One eye and one hand or one
foot
Sight of one eye
One hand or one foot

Percentage of Capital
Sum Insured*
100%
100%
100%
100%
100%
50%
50%

Advantage:- Accdent can happen anywhere any time. There is no surety of life. But by using
this policy a person can ensure financial safity of there beloved one if ther will be any
mishappining. This policy not ony covers loss after life but also covers completely disability as
well as partial.
It main advantages are:

Covers against Accidental Death - Permanent Total Disablement (PTD) on

account of an accident.
Immediate cover on policy issuance
Choose among Sum insured options of Rs. 3, 5, 10 and 20 Lakhs
Covers claims arising out of Terrorism or acts of Terrorism
No health check-up required for policy issuance
Renewable till the age of 70 years

Easy Claim Process with minimal documentation

Disadvantage:-The claim can not cover the following incident:The Company shall not be liable under this policy for:

Death, injury or disablement of Insured Person;

(c) whilst engaging in aviation or ballooning, or whilst mounting into, or
dismounting from or travelling in any balloon or aircraft other than as a passenger
(fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere
in the world.
(d) directly or indirectly caused by venereal disease or insanity;
(e) arising or resulting from the Insured committing any breach of the law with
criminal intent.
( f )war, invasion, act of foreign enemy, hostilities (whether war be declared or
not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped
power, seizure, capture, arrests, restraints and detainment of all kinds.
(g) Nuclear weapon induced treatment.
(h) Childbirth or pregnancy or in consequence thereof.

Bajaj Allianze
Health Guard Policy:- It covers expenses arise during the period of illines of insured person.
Advantage:- Health Guard policy takes care of your hospitalization expenses &
also offers a wide coverage of pre & post hospitalization expenses.
Room rent limit General 'No Limit';
Room rent limit ICU 'No Limit';
Medical OT charges 'No Limit'
Doctor fee limit: 'No Limit'

The member has cashless facility at over 2400 hospitals across India
The member can opt for hospitals besides the empanelled ones, in which the expenses
incurred by him shall be reimbursed within 14 working days from submission of all
documents.
Pre and post - hospitalization expenses covers relevant medical expenses incurred 60
days prior to and 90 days after hospitalization.
Cumulative bonus of 5 % is added to your sum assured for every claim free year.
Family discount of 10 % is applicable.
Covers ambulance charges in an emergency subject to limit of Rs. 1000 /No tests required up to 45 years up to SI 10 lacs*
10% co- payment applicable if treatment taken in non-network hospitals. Waiver of copayment is available on payment of additional premium

Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz
Family discount of 10% is applicable
Disadvantage:- No floter facility.
No Expenses related to Dental Treatment is available.
NON allophatics tereatment is not incurred inthis policy and no pregenancy related
decisises is covered.
Pre illness expenses covered after four year of successful completiton of policy. The
period is too long.

SILVER HEALTH POLICY:age year of mor than46 years.

It is a policy introduced by the bajaj alliance for the people of

As the age of an individual increases the health care costs increase & become a burden on the
individual. The senior citizens have to pay out the hard earned savings to meet the expenses.
Bajaj Allianzs Silver Health plan is exclusively designed for the senior citizens, which covers
medical expenses incurred during hospitalization period so this is a very good policy introduced
by the bajaj.
Advantage:This policy is very good for the senior citizen because the medical treatment is expensive for the
people for this age group.
Benefits:

Pre-existing diseases covered from the second year of the policy.

A flat benefit of 3% of admissible hospitalization expenses are paid towards pre &
post hospitalization expenses.
Cashless facility : With Silver Health plan, the member has access to cashless facility
at various network of over 2400 hospitals across India (subject to exclusions and
conditions)
If admission in non-network hospitals the expenses incurred would be reimbursed
within 14 days from the submission of all documents.
20% of co-payment of the admissible claim to be paid by the member if treatment is
taken in a hospital other than a network hospital.
Waiver of co-payment is available on payment of additional premium. Cumulative
bonus of 5 % added to your sum assured for every claim free year.
Health Check up at the end of continuous four claim free years.

Family discount of 5 % is applicable.

Income tax benefit on the premium paid as per section 80-D of the Income Tax Act as per
existing IT law.

Cumulative bonus of 5 % added to your sum assured for every claim free year.
Health Check up at the end of continuous four claim free years.
Family discount of 5 % is applicable.
Income tax benefit on the premium paid as per section 80-D of the Income Tax Act as
per existing IT law.

Disadvantage:- Pre existing desises are not coverd before two years of policy taken.

20% of co-payment of the admissible claim to be paid by the member if treatment is

taken in a hospital other than a network hospital.
Nonallopathic treatment is not included.
No dentel treatment charges is included.
No floter facility is available.

THE NEW INDIA ASSURANCE Company Limited

BOI National Swasthya Bima:- BOI National Swasthya Bima policy is a unique Health
Policy designed especially for the Account holders of Bank of India. The entire family
consisting of the account holder, spouse and two dependent children upto the age of 21
years can be covered under this policy. This policy covers Hospitalization expenses for
account holder and family. In case of Hospitalization Expenses, the entire family is
covered for the Floater Sum Insured as opted for, i.e., either one or all members of the
family, as stated above, can utilize the Sum Insured during the policy period.
Advantage:- BOI National Swasthya Bima policy is a unique Health Policy designed
especially for the Account holders of Bank of India. The entire family consisting of the
account holder, spouse and two dependent children upto the age of 21 years can be
covered under this policy.

This policy covers Hospitalization expenses for account holder and family. In case of
Hospitalization Expenses, the entire family is covered for the Floater Sum Insured as
opted for, i.e., either one or all members of the family, as stated above, can utilize the

Sum Insured during the policy period.

Room, Boarding expenses as provided by the Hospital/Nursing Home.
2) Nursing expenses.
3) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees.
4) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical appliances,
Medicines & Drugs, Diagnostic Materials and X-Ray, Dialysis, Chemotherapy,
Radiotherapy, Cost of pacemaker, Artificial Limbs and cost of organs and similar
expenses.
5) Coverage options 8 Slabs ranging from Rs.50,000/- to Rs.5,00,000/-, is
available.
In Built Additional Covers:
1) Ambulance Charges - In case of emergencies, reasonable amount can be
reimbursed not exceeding Rs.1000/- (Rupees one thousand only) per Policy
period.
2) In case of Hospitalisation of children, covered in the policy below 12 years, a lump
sum amount of Rs.1000/- (Rupees one thousand only) per policy period towards
the out-of-pocket expenses. The payment will be made on the basis of a
declaration from the parent without insisting on any supporting bill/cash memo.
3) Cost of Health Check-up allowed @ 1% of the Sum Insured after completion of
three continuous claim free years of policy.
4) Pre & Post Hospitalisation Expenses for first 30 days and 60 days respectively
from the date of illness/injury.
5) Pre-existing diseases are not covered. However, Pre-existing diseases will be
covered after three consecutive continuous claims free policy years which include
policies taken from other Insurance Companies.
6) Maternity Benefit and Baby Care Expenses are also reimbursed up to 5% of the
sum insured.
7) Treatment of NRIs in Indian Hospitals is allowed.
8) Treatment in Hospitals in Nepal and Bhutan are also covered in Indian Currency.
9) In case of death in hospital, funeral expenses are reimbursed up to Rs.1000/over and above the sum insured subject to original illness/accident claim admitted
under the policy.
Other Features:

1)

2)
3)
4)
5)

Hospitalisation Expenses, the entire family is covered for the Floater Sum
Insured as opted i.e. either any one or all of the entire family, as stated above, can
avail of the Sum Insured opted.
Tax benefit available under Section 80D of IT Act.
Premium will be paid through the Bank.
Period of Insurance one year.
The claims will be serviced by TPAs.

6)

Minimum hospitalisation for 24 hours.

Disadvantage;- Min. Hospitalization is required for 24hr.

No OPD Charges is available.
Pre exesting desises expenses is not available.
1. All diseases/injuries, which are pre-existing when the cover incepts for the first time.
This exclusion will be deleted after three consecutive continuous claims free policy
years in respect of all diseases provided, there was no hospitalisation for pre-existing
ailment during such three years of insurance. For this purpose policy/policies issued by
other insurance companies for last three continuous consecutive years will be
considered provided there was no hospitalisation for pre-existing ailment during such
three years of insurance.
2. Any hospitalization expenses incurred in the first 30 days from the commencement
date of Insurance cover except in case of Injury arising out of accident.
3. During the 1st year of operation of insurance cover the expenses on treatment of
diseases such as Cataract, Benign, Prostatic Hypertrophy, and Hysterectomy for
Hemorrhagic, or Fibromyoma, Hernia, Hydrocele, congenital internal disease, Fistula in
anus, Piles, Sinusitis and related disorders are not payable. If these diseases are pre
existing it will be covered after three consecutive continuous claims free policy years.
4. Circumcision, vaccination or inoculation or change of life or cosmetic or aesthetic
treatment of any description, plastic surgery other than as may be necessitated due to
an accident or as apart of any illness.
5. Cost of spectacles and contact lenses, hearing aids.
6. Dental treatment or surgery of any kind unless requiring hospitalization.
7. Convalescence, general debility, run-down condition or rest cure, congenital external
disease or defects or anomalies, Sterility, Infertility, Venereal disease, intentional self
injury and use of intoxication drugs/alcohol, AIDS.
8. Charges incurred at Hospital or Nursing Home primarily for diagnosis purpose only.
9. Expenses on vitamins and tonics unless forming part of treatment for injury or
diseases as certified by the attending physician.
10. Expenses in excess of 5% of the Sum Insured as mentioned in the schedule due to
treatment due to treatment arising from or traceable to pregnancy (including voluntary

termination of pregnancy) and child birth (including Caesarean Section) and allied
maternity benefits. No expenses will be payable for any treatment arising from or
traceable to Voluntary Termination of Pregnancy.
11. Naturopathy Treatment.
12. The benefits like Cumulative Bonus and Cost of Health Check up, enjoyed under the
previous Policy/Policies, issued by any other Insurance Company shall not be available
under this Policy.

Mediclaim Policy :- Hospitalisation for illness, disease or accident, whether including

surgery or not, imposesheavy financial burden on individuals, families, employers and
welfare bodies.

Advantage:- Mediclaim insurance policy has been devised under the aegis of the
Government of India.
The policy provides the following benefits.
1) Reimbursement of hospitalisation expenses which are reasonably and necessarily
incurred,
under the following heads:
a) Room, boarding expenses as provided by the hospital/nursing home.
b) Nursing expenses.
c) Fees of surgeon, anaesthetist, medical practitioner, consultant and
specialist.
d) Expenses on account of anaesthesia, blood, oxygen, operation theatre
charges, surgical
appliances, medicines and drugs, diagnostic material, X-ray, dialysis,
chemotherapy,
radiotherapy, cost of pacemaker, artificial limbs and cost of organs and similar
expenses.
2) Introduction of Sub-Limits:
The following provisions have been introduced:
a. Room, Board and Nursing Expenses as provided by the Hospital /Nursing
Home- Room
Rent limit : 1 % of the Sum Insured per day subject to maximum of Rs.5000./-.
I.C. Unit
expenses : 2 % of Sum Insured per day subject to maximum of Rs. 10,000/-.
Over all

limits under this head : 25% of S.I. per illness.

b.Surgeon, Anesthetist, Medical Practitioner,Consultants Special fees
maximum limits per
illness 25% of S.I.
c.Anesthesia, Blood, Oxygen, OT charges, Surgical appliance, Medicines,
drugs, Diagnostic
Material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker,
artificial limbs
and cost of stent and implant. Maximum limit per illness 50% of Sum Insured.
d. Ambulance services - 1% of the sum insured subject to maximum of Rs
1000/- provided
registered ambulance is used for shifting patient from residence to hospital if
admitted to ICU
or emergency ward OR from one hospital to another subject to sub-limits
under c above.
e.Hospitalization expenses of person donating an organ during the course of
organ transplant
will also be payable subject to the sub-limits under c above.
3) Premium paid for the policy towards self, spouse, dependent children and dependent
parents
are exempt from Income Tax under Sec. 80D of the l.T. Act.
4) Cost of Health Check Up and Cumulative Bonus - Benefits will accrue only if the
Policy is a renewal
of National.

Top
3. Additional Features

1)Definition of Family:
a)Self (Primary Insured).
b)Spouse.
c)Dependent Children (i.e. legitimate or legally adopted children). Children
above 18 years, if
employed, can not be covered. Male children, if not employed, but a bonafide
student can be
covered upto age of 25 years. Female children, if not employed, can be
covered until the time
she is married.
d)Dependent parents.
All members of the family must be covered under one policy.

2) Entry Age:
This insurance is available to a person between the age of 18 to 59 years.
However, the
Policy can be renewed upto the age of 80 years as stipulated in the premium
chart above.
a) Children above the age of 3 months can be covered provided parents are
covered
concurrently and suitable premium is paid. If the child above 18 years is
employed or if the
girl child is married, he or she shall cease to be covered under the policy.
However male child
can be covered upto the age of 25 years if he is a bonafide regular student and
fully
dependent on primary insured. Female child can be covered upto the time, she
is unmarried.
b) If the insured has taken continuous Mediclaim insurance policy with us for at
least 5 years
prior to attaining the age of 80 years the policy can be renewed beyond the
age of 80 upto
the age of 90 years as a special case with the approval of Regional Incharge on
case to case
basis. The premium chargeable shall be 10% of the premium for 75-80 years
age slabs for
proposers above 85 and 20% of the premium for 75-80 age slabs for proposers
above 90.
c) No inclusion of family member during currency of policy is permissible except
for a new
born child between the age of 3 months to 6 months and newly married spouse
within 60
days of marriage. Otherwise inclusion of family member shall be allowed only
at the time of
renewal. Prorata premium shall be charged for such inclusion during the
currency of the
policy for the unexpired period.
3) Sum Insured:
Minimum sum insured shall be Rs 50,000/- and can be increased in multiples of
Rs 25,000/upto Rs 5 lacs. The sum insured must be identical for primary insured and the
dependents.
However, the children may be covered for 50% Sum Insured as per item no. 2
above.

4)TPA option:
The premium includes cashless facility through TPA. If the policyholder does
not require
cashless facility then 6% discount on premium may be given.
5)Pre -Acceptance Health Checkup:
Pre acceptance health check-up is mandatory when age is 50 years and above
and he/she
is seeking insurance cover for the first time as an individual or as member of a
family where
there is break in Insurance increase in sum insured on renewal.
Proposer/Insured Person will be required to undergo the following Medical
Check-up or any
other medical test as required by the Company either on his/her own or from its
authorized
Network Diagnostic Centre.

Disadvantage:- The most important exclusion relates to pre-existing illness. If the

insuring person had a health
condition, existing prior to taking the policy, which required medical treatment, the same
gets
automatically excluded in the policy. To ensure that in subsequent renewals medical
conditions
incepting since the policy was taken do not get excluded, the insuring person must
renew the policy
without break. The other exclusions for illustrative purposes are :a) Exclusion of certain named diseases in the first year of the policy.
b) Congenital external disease, sterility, venereal disease, intentional self-injury, use of
drugs,
alcohol, rest cure etc.
c) AIDS
d) Charges primarily for diagnostic, laboratory examinations, and not related to any
treatment in
hospital. So also for vitamins and tonics unless prescribed for treatment.
e) Dental treatment not requiring hospitaiisation.
f) Treatment arising from or traceable to pregnancy, childbirth, including caesarean.

g) Naturopathy treatment.

JEEVAN SURAKSHA
This is the policy which has the unique feature of both illness expenses as well as
accidental insurance. It also covers the medical expenses for the outdoor patent.
Salient Feature:- The policy is available in two forms.
Only illiness Expenses is Paid by the company.
Iliness as well as Accidental claim is covered by the company.
If a person is taken only iliness policy then they have to payRs.1200 as a premum per
month.
Benefit:- Person can get medical expenses with room charges as well as ambulance
charges.
It cover pre illiness desies like catrates, dental etc.
NO critical pre illiness desies is covered under this policy.
Only 50% medical expenses is bear by the company.
Only one time expenses is covered by the the company for the pre illness deses.
Pregnancy related deses is fully covered by the Company.
Floter facility is available for the family of four person i.e husband ,wife and two spouse.
If insured person cannot avail the facility of insurance then 5% of the total amount is
paid to the concernd person after 7 year of successful completion of policy.
If person continiue the policy for 20 years then he can get 3% of total premimum
amount after 20 years.
For the person of age more than 55 years and upto 70 years can get the medical
checkup expenses once in a year.
Policy Covers:- Covers medical expenses incurred as an inpatient during hospitalisation
for more than 24 hours, including room charges, doctors / surgeons fee, medicines,
diagnostic tests, etc 30 days pre-hospitalisation

60 days post-hospitalisation
Pre-existing diseases shall be covered after 2 years of continuous renewal with
the company
Coverage against Swine Flu / H1N1 influenza in case of hospitalisation~
Following technologically advanced treatments that do not need 24-hour
hospitalisation* but are covered under this policy are::
o Cataract
o Dilatation and curettage
o Cardiac Catheterization
o Lithotripsy (Kidney Stone removal)
o Chemotherapy
o Tonsillectomy
o Radiotherapy

Eye Surgery

Coronary Angiography
Policy with illiness expenses as well as accidental claim:- It covers both accidental as
well as illiness claim.
Features:- premum is paind monthely for Rs.1800.
Person who take this policy can avail the benefit of accidental claim also.
Accidental claim covers:-

Loss of use/Actual loss by

physical separation of
Sight of both eyes
Both hands
Both feet
One hand and one foot
One eye and one hand or one
foot
Sight of one eye
One hand or one foot

Percentage of Capital
Sum Insured*
100%
100%
100%
100%
100%
50%
50%

Illiness Claim Covers:- Covers medical expenses incurred as an inpatient during

hospitalisation for more than 24 hours, including room charges, doctors / surgeons fee,
medicines, diagnostic tests, etc 30 days pre-hospitalisation

60 days post-hospitalisation
Pre-existing diseases shall be covered after 2 years of continuous renewal with
the company
Coverage against Swine Flu / H1N1 influenza in case of hospitalisation~
Following technologically advanced treatments that do not need 24-hour
hospitalisation* but are covered under this policy are::
o Cataract
o Dilatation and curettage
o Cardiac Catheterization
o Lithotripsy (Kidney Stone removal)
o Chemotherapy
o Tonsillectomy
o Radiotherapy
o Eye Surgery

Benefit:- Person can get medical expenses with room charges as well as ambulance
charges.
It cover pre illiness desies like catrates, dental etc.
NO critical pre illiness desies is covered under this policy.
Only 50% medical expenses is bear by the company.
Only one time expenses is covered by the the company for the pre illness deses.
Pregnancy related deses is fully covered by the Company.
Floter facility is available for the family of four person i.e husband ,wife and two spouse.
If insured person cannot avail the facility of insurance then 5% of the total amount is
paid to the concernd person after 7 year of successful completion of policy.
If person continiue the policy for 20 years then he can get 3% of total premimum
amount after 20 years.
For the person of age more than 55 years and upto 70 years can get the medical
checkup expenses once in a year.
Note:- No Medical Check up required for the age of upto 55 years.