The coverage of PMJAY extends to over 10. *The plans and premiums are for ₹5 Lakh Sum insured for Individual for Delhi city. HEALTH INSURANCE IN INDIA According to the World Health Organization (WHO), in 2011, India has spent only 3. Mediclaim policies are based on the indemnity principle. Outpatient expenses (dental, hearing aid, contact lens & spectacles) Digit Health Care Plus Policy. 5,00,000 - 1,00,00,000. Step 3: Fill in your mobile number along with the received OTP to log in to your account. Step 3: Click on ‘Lets Renew’ and make your payment online. Insurance for Everyone. Mediclaim policies do not offer co-payment option. Types of Cashless Health Insurance in India. New India Mediclaim policy is available to persons between the age of 18 years and 65 years. Step 4: Choose the Reliance health insurance plan to be renewed. Critical Care Benefit: If during the Period of Insurance Insured Person is found to be suffering from any Critical Illness as defined under 2. Generally, couples or individuals undergoing IVF have to bear the complete expense of treatment on their own. Mediclaim policy covers your hospitalisation expenses while a critical illness policy covers severe illnesses like cancer, strokes, heart attack, and more. Cashless Family Health Insurance. The meaning of maternity benefit is you can make a claim for maternity expenses against your Group Health Insurance policy. 5 लाख - 50 लाख रुपये. Family floater policy covers your complete family so if any medical. Pre & Post Hospitalization cover for 30 days & 60 days respectively. Star Women Care Insurance Policy. Get an instant quote now!With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments. Evidently health insurance plans are far superior to mediclaim in terms of breadth of diseases and illnesses covered. Here are a few pointers that you need to know: Frequency of medical. ₹3. When planning to renew the health policy, it is advisable to re-evaluate one's insurance needs. Care Health Insurance Mediclaim Policy. Daily Hospital Cash Benefit. Day Care Treatments- It also covers day care treatment, where you do. Sum Insured. LIC Jeevan Arogya policy provides valuable financial coverage in case of medical emergencies like hospitalization or surgery. † Age Analysis of Number of Claims Paid (%) as per IRDAI Annual Report 2021-22. Dependent Children: 91 days to 17 years, provided either or both parents are covered concurrently. 1. Minimal Paperwork – The process of buying a health insurance policy online involves minimum to zero paperwork. Besides financial assistance during medical emergencies, this scheme also offers a death benefit feature to the policyholder’s family members. All related pre-hospitalisation and post-hospitalisation expenses are payable up to the specified days mentioned in the policy clause. Minimal Paperwork – The process of buying a health insurance policy online involves minimum to zero paperwork. 8700+. Lifelong renewal is available provided the policy is renewed on time. 50% discount on premium for the girl child with lifelong renewability. But, since IVF is an expensive treatment, some insurers have begun providing. एचडीएफसी ऑप्टिमा रिस्टोर- फैमिली प्लान (HDFC Optima Restore- Family Plan) 2. The process to apply for health insurance portability is given below: Step 1: Send a portability request to the insurance company you want to switch to at least 45 days before your existing policy is due for renewal. Coverage goes up to ₹25 lakh. . When you buy insurance for your family, it is. 0. It gives coverage for the entire family's major and minor medical expenses. HDFC Life Easy Health. Usually, mediclaim policies start with a low coverage amount of Rs 25,000 and go to a maximum of Rs 5,00,000 (There are also high value insurance policies especially for critical illness available from some. In exchange, the insurer promises to pay for the healthcare costs covered under your plan, arising during the policy period. Hospital cash benefit : INR 500 per day for max 30days. Instant policy issuance No medical tests*. 50% discount on premium for the girl child with lifelong renewability. Policy number. 3000+ Covered. Enter personal details asked on the form. Get admitted to a networked hospital for cashless treatments. Additional lump sum amount on detection of 11 specified critical illnesses. New India Floater Mediclaim policy is available to persons between the age of 18 years and 65 years. This is Your NEW INDIA FLOATER MEDICLAIM Policy, which has been issued by Us, relying on the information disclosed by You in Your Proposal for this Policy or its preceding Policy/Policies of which this is a renewal. Best Group Mediclaim Policy Company For Old Age (Senior Citizens Above 65 in India), Heart Patient, Diabetic Patients With Low Premium, OPD Coverage, Maternity Benefits, Review, Top Up Plan, etc. Niva Bupa is providing information about mediclaim policy for family and sr. The newborn baby is covered with health insurance for up to 90 days. 50 lakh, this policy ensures that the family members are well-protected and financially secure in the face of medical. A Group Health Insurance plan can be extended to provide coverage also to the family of the insured employees including spouse, dependent children and at times dependent parents. Ayushman Bharat is National Health Protection Scheme, which will cover over 10 crore poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage upto 5. Policyholders can get coverage up to the sum assured of Rs. For separate individual plans for father and mother, premium cost in. Insured of Rs. - Pradhan Mantri Suraksha Bima Yojana(PMSBY) proposal cum consent form - Hindi : 3 - Pradhan Mantri Suraksha Bima Yojana(PMSBY) proposal cum consent form - Telegu. 2% market share, offers products like Motor, Health, Travel, Home, Personal Accident, and Cyber Insurance in the retail space and. The policyholder can also avail medical emergency reunion per limits mentioned in the policy. Preventive Health Checkup. ₹350/month. Let’s look at some of the major differences between health insurance and mediclaim plans. Commission on General Insurance. . A person should take bothaccording to his condition. Total Premium for all members of the family is Rs. 5,000 per person for policies issued on individual sum insured basis/ Rs. This policy covers ambulance expenses incurred upto Rs. 1. Road ambulance : Up to INR 3000. Adults: 18 years and 65 years. Benefits of a Medical Insurance Policy. Infertility diagnosis only cover. Benefits of a Medical Insurance Policy. 904. Critical Illness cover. 5 lakh* coverage. : 1800-4200-269 फैमिली हेल्थ इंश्योरेंस 1 परिवार के लिए 1 पॉलिसी किफ़ायती कवरेज कैशलेस हॉस्पिटलाइज़ेशन पॉलिसी. Eligibility : Family comprising of Self, Spouse and Dependent Children Age : Proposer between 18 and 80 years Dependent children between the age of 3 months and 18 years provided either. Cyber Insurance. Aditya Birla Mediclaim Policy. com and click on the ‘health insurance’ tab. 2. Cashless Hospitalization. Mediclaim. The policy can be purchased by anyone who is. : 1800-4200-269. Health insurance premium provide tax exemption under section 80D of Income Tax Act 1961, this being one of the few meeting points between health insurance and mediclaim. Mediclaim Policy. Starting from. This plan has an elaborate list of coverages. एक मेडिक्लेम पॉलिसी (Mediclaim Policy) एक प्रकार की हेल्थ इंश्योरेंस पॉलिसी है जहां इंश्योरेंस कंपनी इन्सोर्ड व्यक्ति द्वारा उनकी मेडिकल. Tata AIG offers overseas medical travel insurance to cover any emergencies that may arise and keep you out of trouble. Thus, with a Mediclaim policy, any hospitalisation expenses that one has incurred will be reimbursed back to the. You can add the baby under a regular family health cover such as ‘Care’ by Care Health Insurance if the age is 91 days or above. Critical Illness Benefit. The Proposer can choose Sum Insured from. It protects your family savings against hospitalization expenses during emergencies. 9 per cent of gross domestic product (GDP) on the health sector which is the lowest amongst the BRICS (Brazil, Russia, India, China, South Africa) member countries. Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune 411014. You can also include your newborn under the policy at the time of renewal. With benefits like free health check-ups every year, wellness programs, discounted premiums, etc. Policy term: 1 Year. Step 2: Click on the Super Top-up Health Insurance policy. Mediclaim Insurance Policy Hindi- जैसा की मैने आपको बताया कि मेडिक्लैम इंश्योरेंस पॉलिसी आपात स्थिति में स्वास्थ्य संबंधित कवरेज देती है। मेडिक्लेम. Claims made between the policy's expiry date and renewal date may not be considered. Step 2: On receiving the portability request, the new insurer will provide proposal & portability forms and give details of the. However, each insurance company (whether online or offline) must be registered with the Insurance. 2 adults (spouse and policyholder) + 3 children. Under a mediclaim policy, you do not necessarily need to be hospitalized to receive benefits. 25,000 per fiscal year. 8700+. September 11, 2022 by Pankaj Suyal भारत में परिवार के लिए सबसे अच्छी कैशलेस मेडिक्लेम पॉलिसी – Parivar ke liye cashless mediclaim policy भारत में परिवार के लिए सबसे अच्छी कैशलेस मेडिक्लेम पॉलिसीFamily Health Insurance; Health Insurance for NRIs; Senior Citizen Health Insurance; Health Insurance for Parents; Best Health Insurance Plans; Maternity Insurance; Health. NEW INDIA FLOATER MEDICLAIM POLICY THE NEW INDIA ASSURANCE CO. 2 Lakh 2. 5 Best Health Insurance Plans for Family in India for November 2023. e. Most health insurance plans cover maternity-related expenses and include a newborn baby only after the specified waiting period. Best Mediclaim Policy for Family in Hindi – फैमिली के लिए सर्वश्रेष्ठ मेडिक्लेम पॉलिसी हिंदी में; 1. 12. Online Discounts – It allows you to avail discount on premiums for buying the policy online. 1800-266-9777 (All Days, from 9am to 9pm, Toll Free) Download. Medical insurance premiums paid for self and family and medical expenses incurred for senior citizens is allowed to the Individual or HUF category of taxpayers only. Types of Mediclaim Policies in India. 2. फैमिली फ्लोटर हेल्थ इन्शुरन्स कैसे काम करता है - How Does Family Floater Health Insurance Works in Hindi. 1 Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Upto 20% of Sum Insured subject to Maximum Rs. Mediclaim policy in Hindi - क्या आप मेडिक्लेम पॉलिसी क्या होती है, फायदे, प्रकार, क्या कवर होता है और क्या नहीं, सबसे अच्छी मेडिक्लेम पॉलिसी कौन सी है. The cashless medical insurance for family will be helpful and ensure that nothing is to be paid in the cash up to the sum insured. 10 lakhs. It covers pre-existing diseases, hospitalization expenses, critical. 9. The age of the child to be included also varies from provider to provider. Medication coverage (fertility drug prescriptions) Please do check the terms and conditions of the policy to understand. All four people put together can spend a maximum of Rs. To get covered under a family floater health insurance plan, an adult member must be between 18-65 years; however, the maximum age can vary for different insurance companies. Covers extended family. Offers comprehensive coverage beyond hospitalization, including pre- and post. No premium loading for adverse claim experience. HDFC Ergo - Optima secure. Get comprehensive information to choose the best health insurance plan. Niva Bupa family health insurance plan offers the perfect solution for the well-being of your loved ones. Sum insured: INR 1 lakh to INR 10 lakhs. This plan will be in force when the total of all hospitalization expenses ( except Pre and Post) for one or all members surpasses the limits as mentioned in the plan. Standard T&C Apply. It can range from 9 months to 3 years. भारत में स्वास्थ्य बीमा योजना की तुलना करें और खरीदें। चिकित्सा बीमा योजनाओं के. Port Your Policy to Care. 50,000 to Rs. Step 4: From the list of policies shown, choose your preferred parents health insurance plan by clicking the ‘Buy Now’ button placed under each plan. Non-residents are also eligible to claim deduction under Section 80D. For a New Policy. 3. 2 lakh – 2 crore. This mediclaim policy comes with a health cover that increases every year and provides a lump sum benefit irrespective of actual medical costs. The policy also includes newborn baby cover for up to the first 90 days. Organ donor expenses cover. A family policy where the proposer can avail Sum Insured from Rs. Family floater insurance can be customized according to the unique needs of all your loved ones. 50 lakh, this policy ensures that the family members are well-protected and financially secure in the face of medical. Upon a natural death, the family is compensated at 30000 rupees. It is a family health insurance plan that will ensure financial protection against medical ailments for you and your loved ones. Network Facilities. Health Insurance. Explore Protect Plus- Policy Terms and Conditions. 11)How to select Sum-Insured under super top up policy?The restoration benefit helps the sum insured of your health insurance policy to be restored up to the maximum limit as soon as it gets exhausted after a claim. Two Policies Do Not Mean Double Coverage: Having a comprehensive health insurance policy plus a separate cancer insurance plan. It offers preventive health check-up facilities to the elderly and cashless hospitalization at network hospitals of the insurance company. Health check-up benefit for family floater policy (subject to a limit of INR 2,500 to 10,000 based on the chosen sum insured) 2). Additionally, mediclaim policies often offer the flexibility to add family members, increase the sum insured, and add additional benefits as needed. Niva Bupa Health Insurance Company Limited. IPPB Tata AIG Group Accident Guard Policy @ ₹399 (General Insurance) by India Post. #1. Total annual premium = ₹ 6,446, daily premium (6,446/365 = 18 (rounded up)). A family health insurance plan is a type of medical insurance. New India Mediclaim policy is available to persons between the age of 18 years and 65 years. A floater policy covering the proposer and his / her family under one Sum Insured under one Policy. There is a difference between mediclaim and critical illness cover. REGISTERED & HEAD OFFICE: 87, MAHATMA GANDHI ROAD, MUMBAI 400001 NEW INDIA FLOATER MEDICLAIM POLICY- PROSPECTUS We welcome You as Our Customer. It is an excellent option for anyone wanting to secure their immediate family under one premium. If one of your family members uses Rs 3 lakh of the sum insured then only Rs 2 lakh would be left for the rest of the family to use in one policy year. com Mediclaim Policy; Health Insurance For Heart Patients; Surgery Insurance; Cancer Insurance; Super Top Up Health Insurance; Health Insurance for Youth; Cashless Health Insurance; Health Insurance for Diabetic Patients; Care for 45+ Care Plus - The Complete Health Insurance Plan; Covid Health Insurance Policy; Health Insurance Premium Calculator Mediclaim policy in Hindi - क्या आप मेडिक्लेम पॉलिसी क्या होती है, फायदे, प्रकार, क्या कवर होता है और क्या नहीं, सबसे अच्छी मेडिक्लेम पॉलिसी कौन सी है. He must opt for a cover that adequately covers his liabilities and provides for household expenses –an amount that is effectively his ‘human life value’. Employees feel valued: With group health. हेल्थ इन्शुरन्स एक प्रकार का बीमा योजना है जिसमें बीमाधारक को अपने आपात चिकित्सा में आर्थिक रूप से सहायता मिलती है। बीमाधारक के चुने गए हेल्थ इन्शुरन्स में सर्जिकल. Its exceptions include cosmetic surgeries and non-emergency procedures. Hindi. NIAHLGP21285V022021 Page 5 of 24 GROUP MEDICLAIM POLICY FOR WORKERS 3. It also offers tax exemptions under the Income Tax Act, 1961. This comprehensive policy covers a wide range of essentials, including the option to add your newly-wed spouse, newborn, or legally adopted child. Learn more about the benefits and features of Aditya Birla Capital Health Insurance on their homepage. Health insurance policies cover medical expenses such as pre-and post-hospitalisation, daycare facilities, surgeries, and more. 1. The main features of this New India Assurance mediclaim policy are: Coverage of In-patient hospitalization expenses in India. Day one coverage (no waiting period) comes into effect only. A single person is protected for a set sum in an individual mediclaim insurance. 90 days-View Plan:. Step 3: Fill in the policy number and other required details and press enter. Things you must know ; Why Life Insurance ; Why Invest Step 6. Aditya Birla Capital Health Insurance offers comprehensive and affordable plans to cover your medical expenses. It. Mediclaim policy, is an insurance cover which shields you against increasing medical costs arising out of hospitalisation. However, upon death caused by a permanent disability, the family is compensated at. In a single policy year, you can make claims worth only INR 8 lakhs. Provide name, gender, mobile number, date of birth, and residential PIN code. Family health insurance plans in India, Health Insurance policy & Mediclaim policy in hindi, All above points will be describe in this vedio. I’m. The best Health Insurance Plans for family in India are mentioned below: Health Insurance Plans. 50% discount on premium for the girl child with lifelong renewability. Entry Age: 18 years to 65 years. As a result, you might not have to bear anything out-of-your pocket and can save yourself from high expenditures. Support. A family floater plan is the cheapest mediclaim policy that you can opt for. Basis Mediclaim Health Insurance; Coverage: A mediclaim plan only covers hospitalization, accident-related treatment, and pre-existing conditions up to a certain maximum. Coverage for Pre & Post hospitalisation. 5 lakh per family per year. Room Rent Sub Limits With HDFC ERGO, there are no sub-limits on Hospital Room Rents. To buy these plans online, you are required to follow the easy steps given below: 1. Mediclaim and health insurance policy is different. Health Insurance Plans - Buy health insurance online in India at an. The terms set out in this Policy and its Schedule will be the basis for any claim or benefit under this Policy. Incurred Claim Ratio. With one single health insurance for family, one can secure entire family. To buy these plans online, you are required to follow the easy steps given below: 1. Maternity cover. It is a double bonus you can avail on your health insurance policy. This guide has been designed for your comfort. Star Health & Allied Insurance Company Limited. 44,450/-, when each member is covered separately. As we are aware, having a child comes with its own joys and expenses. Mediclaim Policy. oicl happy family floater policy-2021 uin: oichlip22010v042223 e 1 the oriental insurance company limited regd. You are entitled to income tax benefits for premiums paid up to ₹25,000 for normal citizens and ₹50,000 for senior citizens under Sec 80D of the Income Tax Act 1961. Ayushman Bharat - National Health Protection Mission will have a defined benefit cover of Rs. SBI General Retail Health Insurance. Mediclaim Policy for retirees of SBI by paying the annual insurance premium from his own sources. Covers Ayurvedic and homoeopathic treatment. Now enter your State and your name, ration card number, household number, or mobile number. The amount of death benefit or disability benefit offered by the insurance company under this policy can be used to sustain the family or to pay for the kids’ education. One of the biggest reasons why you must opt for a personal accident insurance policy is to ensure the financial security of your family. Senior Citizen Health Insurance is a type of health insurance plan that covers medical expenses incurred by people above 60 years old. each member of the family is covered under a single plan and sum assured can be claimed by any member of the family. A separate sum insured for each member is not required, and the premium is paid for a single sum. The maternity benefit covers the delivery expenses and the newborn baby for the first 3 months. Know the types and benefits of mediclaim policy for family. फैमिली फ्लोटर मेडिक्लेम पॉलिसी में आप अपने साथ-साथ अपने पूरे परिवार का मेडिकेम पॉलिसी प्लान ले सकते हैं इसमें भविष्य में अगर आपके परिवार. The company is also the entity that receives the premium for the policy. The expenses are covered on a reimbursement basis. Benefits of the scheme are portable across the country and a beneficiary covered under the scheme will be allowed to take cashless benefits from any public/private empanelled hospitals across the country. Highlights of New India Assurance - Asha Kiran Policy. Hindi / Health Insurance / Mediclaim Policy; TollFree No. Whether it is covered in a critical illness policy or a family health insurance plan, following exclusions apply to Bariatric Surgical procedures:Maternity Insurance Plan. Facility to track and renew your policy online. Policy can be purchased for: 1/2/3 years: 1/2/3 years: 1 year / 2 years : 1 year / 2 years : 1 year: 1 year : Eligibility criteria: Adults from 18 to 65 years (dependents 91 days to 17 years) 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy: 5 Months to 65 years. Yes, medical insurance policy for employees is compulsory in India post the nation-wide COVID-19 lockdown in 2020. 44,450/-, when they are covered under a single policy. In a mediclaim policy, the insurance company pays the expenses incurred during the treatment of the policyholder or his family members covered under the policy, including accidents, diseases and surgeries etc. Maternity Health Cover under a Group plan primarily covers delivery expenses. pritam. The sum insured of Mr B's health insurance policy is Rs. The insurer mentions settling down 9 out of 10 cashless claims in just 30 minutes. 74 crore low-income families that constitute. This Optional Benefit will provide instant addition of 100% Basic Sum Insured on complete or partial utilization of Restore benefit or Unlimited Restore benefit (as applicable) during the Policy Year. My name is [Your Name] and I’m calling from [Agency Name]. Policy type: Individual. ”. Care Health Insurance offers an annual health check-up even when the policyholder has filed a claim in the same year. 5 lakh health insurance policy can cover up to Rs. Aditya Birla Health Insurance: With 5700+ network hospitals, all plans under Aditya Birla Health Insurance cover LASIK eye surgery. However, this can be extended to 70years subject to conditions. सर्च . Therefore, you need not worry at all should you need emergency transit to a hospital. Family floater Mediclaim is basically the same as an individual policy. You can travel worrying about the small stuff. Get cashless treatment facilities at network hospitals. In other words, a deductible is the concept of cost sharing between you and your insurance company for paying for your health care expenses. Our liability for expenses incurred towards Maternity, shall be restricted to INR 50,000 for Plan A and INR 1,00,000 for Plan B. Sum Insured. In a mediclaim policy, the insurance company pays the expenses incurred during the treatment of the policyholder or his family members covered under the policy, including accidents,. 25 lakhs. Your spouse may make claims worth INR 6 lakhs and you could make claims worth INR 2 lakhs or vice-versa. Rs. Bajaj Allianz Criti Care Policy 10. On positive diagnosis of COVID-19 in a Government authorized diagnostic centre as per terms and conditions. फैमिली के लिए हेल्थ इंश्योरेंस प्लान की विशेषताएं (Cashless health insurance plans for family) एक मेडिक्लेम इंश्योरेंस प्लान्स फॉर फैमिली आपको. The Young Star Insurance Policy provides a wide sum insured option of ₹ 3 lakhs on an Individual basis and ₹ 5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 lakhs on an Individual and Floater basis. Star Health Insurance Policies or mediclaim plans will cover all 24-hour in-patient hospitalisations due to illness, accidents and daycare treatments/procedures. ( I-Sec). Highlights of New India Assurance - Asha Kiran Policy. Avail of cashless treatment facility at any of the 21100+ cashless healthcare providers. Oriental Happy Family Floater Mediclaim Plan. Health Insurance for Senior Citizens. With this facility, you can get healthcare services from the insurer’s network hospitals without paying the bills from. Rohan opted for a family floater plan, which works wonders in terms of cost benefits. Example (B): Mr. Picking a family floater mediclaim policy is simple. READ MORE Common Health Issues Faced by Women Common health issues that women are facing and how better lifestyle, regular screening and medical check-ups can help in. During this long period you will have number of interactions with PLI. United India Family Medicare Policy. Sum insured available for each family member is Rs. 5 lakh and the policy comes with a room rent capping of Rs. ; Day Care Coverage With HDFC ERGO Health, medical expenses for 586-Day Care Procedures i. केयर- फैमिली हेल्थ इंश्योरेंस (Family health insurance hindi). Kеy Fеaturеs: In-patiеnt and domiciliary hospitalisation arе includеd in thе covеragе. Care health plan is an indemnity medical insurance policy with sum insured ranging from INR 3 lakhs to 75 lakhs. Accident protection policy. 1. The policy term is 1 year/2 years/3 years. 10 lakhs can provide enough financial support. For Sum Insured of Rs. Making a claim for maternity cover is the same as making a claim in your health insurance policy. Family Floater Mediclaim Policy. Mediclaim policies do not offer any add-on covers. The entire purchasing process is digital, no paperwork is required, you can easily upload the documents online and purchase a health insurance policy within 5 minutes. Broadly, there are three types of cashless health insurance in India, which are as follows: 1. The age limit is set between 18 to 65 years. This cover is for an individual as well as the family members and the sum insured is Rs. This coverage only covers one person for mediclaim and other hospitalization benefits. Standard T&C Apply. Sum insured available for each individual is Rs. ₹10 Lakhs to ₹30 Lakhs. The premium of 200 rupees per annum is shared equally by the state and the central government. The policyholder of a mediclaim policy is required to renew the policy annually to continue getting coverage. 15. Aditya Birla Mediclaim Policy. View Features. No premium loading for adverse claim experience. The National Parivar Mediclaim Plus policy is a comprehensive and inclusive health insurance plan that offers coverage for the entire family on a floater sum insured basis. It also offers wholesome protection and can help you manage your financial responsibilities better. Under a mediclaim plan, a policyholder can file multiple claims until the total amount insured amount is exhausted. Step 2. Select ‘Star Health and Allied Insurance’ in the ‘Select your Insurer’ tab. 1st yr waiting period. Women who plan to start a family in the next few years should opt for a maternity insurance plan as it covers the medical expenses incurred during pregnancy and. You can reach out to us on 1800-266-7780. However sum insured (excluding The Policy provides expenses for 140+ day care procedures, which require hospitalisation for less than 24 hours. Online Discount: Get 5% premium discount on the base premium if you buy a health insurance policy online through our website Family Discount: Get 10% family discount if 2 or more members are covered in a single Optima Secure policy on an individual sum insured basis Long Term Discount: If premium is paid in advance for 2 or. Unit Linked Health Plans. In addition, most of these policies cover the treatment costs incurred before and after hospitalisation. The lumpsum amount will be equal to the sum insured, or up to ₹. Care -Policy Terms & Conditions (effective from 18-July-2023) Group Saral Suraksha Bima - (CHI Personal Accident Product) - Policy Terms & Conditions. Family Mediclaim policy It is the enhanced version of Mediclaim policy in which the sum assured value floats among the family members i. Waiting period for maternity and newborn baby add-on. Free health coverageWhether you plan to purchase a Mediclaim policy with delivery benefits or you are looking to switch to a family policy, Star Health Insurance provides soon-to-be parents with the right medical insurance and support they need to have healthy and happy pregnancies. Covering your family with this plan can lend peace of mind, as you can rest assured that major.