INDIVIDUAL HEALTH PROTECTOR FAMILY HEALTH PROTECTOR HEALTH PROTECTOR PLUS CRITICAL ILLNESS BENEFIT SWASTHYA RAKSHA BIMA

HEALTH PROTECTOR PLUS CRITICAL ILLNESS BENEFIT SWASTHYA RAKSHA BIMA SWASTHYA KAVACH POLICY
Proposer’s Age: Min.18 years to Max.65 years
Min Entry Age Max Entry Agea.
Other Insured Members: Min.90 days to Max.65 years
Entry Age The maximum entry age is 65 years Maximum entry age is 65 years. Maximum entry age is 65 years Child – 3 years Child – 23 years Adult The maximum entry age is 65 years
(Children up to 23 years)
– 18 years Adult - 65 years
2 lacs SA with 1 lac deductible to 25 lacs SA with 5
Sum Insured options 50000 to 20 lacs 1.5 Lacs to 30 lacs Rs 1 lac to 1 crore 1lac, 2lac, 3lac, 4lac, 5lac 1 Lac to 5 lacs
lacs deductible
Normal room 1.0% of Basic Sum Insured per day.
Renewability Life Long Life Long High coverage at low premium 25 critical illnesses are covered: Life Long
ICU/ITU 2.0% of Basic Sum Insured per day.
Pre-Hospitalization for 30 days , Actual subject to
ILNESSES : Cancer of specified severity, Kidney failure
Room Rent (including Boarding and Nursing expense overall limit of Sum Insured No Room Rent Capping on Sum Insured 3 Lakh and
No Room Rent capping on Sum Insured 5 lacs above Daily allowance up to a maximum of Rs. 1,000 per day requiring regular dialysis, Multiple Sclerosis with
etc. above
persisting symptoms,
Post Hospitalization Up to 7% of Hospitalization
ILNESSES : Motor Neuron Disease with Permanent
Daily Cash Benefit equivalent to 0.20% of the sum Ambulance charges are covered up to 0.75% of the expenses (excluding Room Rent) incurred during Renewability: There is no age limit for renewal of the
Medical Practitioner/ Anesthetist, Consultant fees. Symptoms, End Stage Lung Failure, End Stage Liver
insured per day, for the duration of hospitalization. sum insured or Rs. 2500, whichever is lower. period up to 30 days after Hospitalization subject to policy.
Failure, Primary (Idiopathic) Pulmonary Hypertension,
maximum of Rs.7500/-
AYUSH Cover Alternative Treatments such as
Ambulance charges, subject to a limit of 1% of the Option to convert to standard health policy with ILNESSES : Benign Brain Tumor, Parkinson’s Disease
Pre-hospitalization and post-hospitalization of 45 days ‘Ayurveda, Yoga and Naturopathy, Unani, Siddha and
sum insured or Rs. 2500/- whichever is less for each continuity of benefits after 04 continuous years with Before The Age Of 50 Years, Alzheimer's Disease No medical checkup required up to 60 years.
and for a period of 60 days. Homeopathy systems covered up to SI including Pre &
hospitalization. us. Before The Age Of 50 Years
Post Hospitalization Expenses
SURGERIES : Major Organ (Heart/ Lung/ Liver/ Kidney Daily allowance – Policyholders are liable to receive a
Pre and Post Hospitalization expenses for maximum Day care surgeries for 161 surgical procedures are
Waiver of Deductible in case of change/loss of job /Pancreas) or Human Bone Marrow Transplant, Open Day Care Procedures 161 Listed day care procedures daily allowance of up to ₹150 for the duration of their
period of 45 & 60 days respectively. covered without 24 hours of hospitalization.
heart replacement or repair of heart valves hospitalization.

Ayurveda and/or Homeopathy and/or Unani

Health Check up expenses - once at the end of 4 claim Cost of health checkups up to 1% of the basic sum hospitalization expenses incurred in Government Daily Allowance ₹ 150 per day for the entire duration
SURGERIES : Open chest CABG, Surgery Of Aorta Domiciliary hospitalization expenses
free years block @ 1.0% of average Basic Sum Insured. insured during the block of 4 claim free policies. recognized hospitals. Coverage also includes pre- of Hospitalization
hospitalization and post hospitalization expenses.
MEDICAL EVENT : Stroke resulting in permanent
Pre and Post Hospitalization expenses for maximum
Ayurvedic and Homeopathic hospitalization Ambulance Charges as per actual or Rs.3000/- (Three symptoms, Permanent Paralysis of Limbs, Myocardial Ambulance Charges ₹ 750 per claim or the actual;
Vaccination expenses are covered. period of 30 & 30 days for basic and 60 days for wider
treatments covered up to Sum Insured Thousand) per claim; whichever is less. Infarction (First Heart Attack of specified severity), whichever is lower
plan for respectively.
Third Degree Burns
An additional Daily Allowance amount equivalent to
Cumulative bonus increased by 5% of the basic sum Emergency assistance services to insured persons MEDICAL EVENT : Loss of Speech, Blindness, Loss of
0.10% of the Sum Insured for the duration of Donor Expenses Donor expenses excluding
insured subject to a max of 50% for each claim free during travel. It provides this service at no additional Limbs, Deafness, Coma of Specified Severity, Major Emergency Assistance Services at no additional cost
Hospitalization towards defraying of miscellaneous Ambulance, Pre & Post hospitalization expenses
year of insurance. cost. Head Trauma, Muscular Dystrophy
expenses.
The critical illness, medical event and surgical Domiciliary Hospitalization Reasonable and
Hospitalization more than 12 hrs but less than 24 hrs Income tax benefits under section 80D of the Indian Income tax benefits under section 80D of the Indian
Room rent expenses are covered. procedure first commenced atleast 30 days after the Customary Charges subject to a maximum 20% of SI
covered (Up to 50% of entitled room rent/day). Tax Act, 1961 Tax Act, 1961.
commencement of the policy period. (excludes Daily Allowance, Ambulance Charges etc.)
SALIENT FEATURES Reinstatement (optional) After occurrence of a claim,
Emergency Assistance Service Medical consultation, the basic sum insured will be reinstated by the
Cost of vaccination at the end of every block of two evaluation and referral, Emergency medical amount of the claim after charging appropriate
policy period of 365 (three hundred & sixty five) days, Hospital registration and service charges during evacuation, Emergency cash coordination, Medical Insured person survives for a minimum of 28 days premium. So that full basic sum insured is available
No medical checkup required up to 60 years.
subject to a maximum of 10% of the total premium hospitalization are covered. repatriation, Transportation to join patient, Care from the date of diagnosis. for the policy period
paid. and/or transportation of minor children, Emergency Reinstatement of Basic Sum Insured will be to the
message transmission, Return of mortal remains extent of claim amount paid.

Emergency Assistance Service Medical consultation,

evaluation and referral, Emergency medical
Ayurveda, Homoeopathy, Unani and Sidha
No medical check-up upto 50 years, subject to evacuation, Emergency cash coordination, Medical Income tax benefits under section 80D of the Indian
161 listed Day care medical surgeries. hospitalization expenses are covered up to a specified
proposal form having no adverse medical declaration. repatriation, Transportation to join patient, Care Tax Act, 1961.
limits.
and/or transportation of minor children, Emergency
message transmission, Return of mortal remains
Sublimit
(Refer policywordings) Applicable for Cataract, Piles,
Domiciliary hospitalization is covered up to a Fistula, Fissure, Tonsillitis, Sinusitis
Emergency Assistance Services at no additional cost maximum aggregate sub-limit of 20% of the basic Benign Prostatic Hypertrophy, Hernia, Knee/Hip Joint
sum insured. replacement, Cancer, renal failure, Appendicitis, Gall
Bladder stones and Hysterectomy

Co-payment : Zone A Cities-South

Bonus: cumulative bonus of 5% of the basic sum 35 % in Chennai, Bangalore, Hyderabad,
Lifelong Renewal
insured at each renewal following a claim free year. Visakhapatnam, Vijaywada

Reinstatement of Sum Insured The basic sum insured

Sum Insured for listed Critical illnesses can be
in the policy can be restored or reinstated by paying
doubled at a very competitive rate.
appropriate premiums to the insurance provider.
No medical checkup required up to 60 years. No medical checkup required up to 60 years.
Income tax benefits under section 80D of the Indian Income tax benefits under section 80D of the Indian
Tax Act, 1961. Tax Act, 1961.