Archive for August, 2009

National Insurance-Mediclaim Policy(Individual)

National Insurance Mediclaim Policy (Individual) cover insured person for all kind of medical expenses for sickness, diseases and accidents.

Coverage:

1. Hospitalization Expenses- It includes room charges, boarding expenses, surgeon fees, consultant fees, specialist fees, anesthetist, OT charges, ICU charges, nursing expenses, cost of blood, oxygen, medicines, drugs, surgical appliances, diagnostic materials, x-ray, dialysis, radiotherapy, chemotherapy, artificial limbs and cost of organ.

2. Pre-and Post Hospitalization Expenses- The medical expenses are covered for 30 days prior and 60 days after hospitalization.

3. Pre-existing disease- All pre-existing diseases are covered after 4^th continuous claim free policy years.

4. Ambulance service and cost of health check ups.

Key Features:

1. Cumulative bonus of 5% on sum assured for every claim free year.

2. Tax benefit on premium paid under section 80D of the IT Act.

Eligibility:

Future Generali – Health Suraksha Silver (Individual)

Future Generali’s Health Suraksha Silver (Individual) is a health care product that cover insured person for the hospitalization expenses and related expenses.

Under this plan, the premium is paid for Zone-B (Kolkata, Chennai, Banglore, Ahmedabad and Hyderabad). In case the treatment is taken Zone A and Zone C, the claim payment will 80% and 100% respectively.

Coverage:

1. It covers hospitalization expenses including room charges, boarding expenses, surgeons fees, consultant fees, specialist fees, nursing expenses, anesthetists, OY charges, ICU Charges, cost of blood, oxygen, cost of medicines and drugs, cost of surgical appliances, accompanying persons cost.
2. The cover for medical expenses incurred 60 days before and 90 days after hospitalization.
3. Day care procedures are covered which requires less than 24 hour hospitalization.
4. Pre-existing diseases are covered after 4^th continuous policy years.

Key Features:

1. Cashless hospitalization facility at over 4000 network hospitals across India.
2. Renewal discount of 5% for each claim free year renewal.
3. Tax benefit on premium paid by cheque under section *)D of the Income Tax Act,1961.

Eligibility:

Chola health Insurance Plan (Family Floater)

Cholamandalam MS General insurance Company’s health insurance plan (family floater) is a complete health care product for your family. It covers your family against medical expenses for sickness, injury or contracting diseases.

Coverage:

1. It covers hospitalization expenses including boarding, room charges, nursing expenses, operation theatre charges, ICU charges, surgeon fees, specialist fees, consultant fees, anesthetists, cost of blood, oxygen, medicines, drugs, cost of surgical appliances, artificial limbs, etc.
2. Cover for pre and post hospitalization expenses incurred 90 days before and after hospitalization.
3. Pre-existing diseases are covered after 3 continuous claim free policy year.
4. Cover for 142 minor surgeries which requires less than 24 hospitalization under day care procedure.
5. Hospital daily allowance is provided during the period of hospitalization.

Key Features:

1. Cashless hospitalization facility at over more than 1300 network hospitals across India.
2. Chola MS help for 24X7 emergency assistance for claim settlement.
3. Tax benefit on premium paid under section 80D of the Income Tax Act,1961.

Eligibility Parameter: