Major Surgical Benefit (MSB)
Domiciliary Treatment Benefit
ICU Benefit
Quick cash facility
and many more.....
Special Attractions:
- A unique non linked plan offering both life & health cover up to age yrs.
- Single Policy for self (Principal insured-PI) & family including Dependant Parents and Parents-in-law.
- Health Benefit for Listed as well as unlisted surgeries.
- Benefit type of policy without any link to actual expenses incurred.
- No exclusion of first few days, if hospitalization exceeds 7 days.
- High rebates on higher HCB Slabs
- Premium paid will be eligible for it exemption under section SOD up to Rs. 15000/- (Rs. 30000/- if parents are coverd)
Features:
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BENEFITS:
- • Hospital cash Benefit (HCB)
• ICU Benefit
• Major Surgical Benefit (MSB)
• Day care procedure Benefit(DCPB)
• Other Surgical Benefit (OSB)
• Quick cash facility
• Ambulance charges Benefit
• Premium Waiver Benefit
• Term Assurance rider (Death Benefit)
• Accident Benefit rider (AB)
• No claim Benefit
HOSPITAL CASH BENEFITS:
- From Rs. 1000/- to Rs. 4000/- per day (to be opted by the policy holder in multiples of Rs. 1000/-).
Double the Benefit for ICU.
Maximum 720 days for each member through out the policy term up to 80 years of age children up to 25 years of age. - Automatic increase in HCB by 5% of Initial HCB every year up to 50% of the Initial HCB
- Major Surgical Benefit for 140 Listed Surgical Procedures
- MSB is equal to 100 time of HCB
- Automatic increase in MSB through out policy Term (1 MSB per annum)
- Upto 80 years of age for other than children.—For children up to 25 years of age.
- Day care Procedure Benefit for 140 Day care procedures. 5 Times of Applicable Daily Cash Benefit (ADB). 3 Times in a year and 24 times in the policy full term
- Other surgical Benefit-for any surgery not covered under MSB. 2 times of Applicable Daily Cash Benefit-45 days in a year 360 days in the policy full term(15 days-First year)
- Quick Cash facility-This is the available for all insured, where instant cash can be paid as an advance up to 50% of eligible MSB surgeries of category 1 & 2
- Ambulance charges- for surgeries eligible for MSB listed under category 1 & 2 benefit @Rs. 1000 per insured per policy year
- Premium Waiver Benefit-for surgeries eligible for MSB listed under category 1 & 2 one year premium will be waived
- Term Assurance rider: Death Benefit MSB is covered under this policy by payment of additional premium
- Accident Benefit rider- Accidental Death Benefit upto initial MSB is available by payment of additional premium.
- No Claim Benefit – if there’is no claim from any insured between Automatic Renewal Date (ARD) 5%of IDS will be added to the ADB from next ARD for all insured.