Posts Tagged ‘medical insurance’

Bajaj Allianz Health Insurance-Family Floater Health Guard

If you are looking for health insurance for your family, there are various options available to you. Bajaj Allianz’s Family Floater Health Guard is one of best health protection in the market which covers you and your family for all kind medical expenses.

The policy covers insured person for following medical expenses due to any serious sickness and accidental injuries.

1. Hospitalization Cover- It includes hospital room charges, boarding expenses, doctors fees, surgeon fees, specialist fees, operation theatre charges, ICU charges, doctor fees, surgeon fees, specialist fees, medicines and drugs, blood, oxygen, diagnostic expenses, pacemaker, etc.
2. Pre and Post Hospitalization- It covers medical expenses up to 60 days prior and 90 days after hospitalization.
3. Day Care Procedures- It covers 130 day care procedures which do not require more than 24 hours of hospitalization due to advance technological treatment.
4. It also covers cost of health check up after 4 continuous claim free policy years, subject to a maximum of Rs.1000/-
   In the event of emergency, ambulance charges are covered, subject to a maximum of Rs.1000/-
   Pre-existing diseases are covered after 4 continuous policy years.

Benefits-

1. Cashless hospitalization service at over more than 2400 network hospitals across India.
2. No medical check up is required up to the age of 45 years and for sum insured up to Rs.10Lakh.
3. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

Eligibility Criteria-

1. Available for any individual age between 18 years and 55 years.
2. Policy can be renewable up to 70 years
3. Children from 3 months to 25 years can be covered.
4. Sum insured ranges from Rs.2Lakh to Rs.10Lakh.

ICICI Lombard Health Advantage Plus

icici lombard offers comprehensive health insurance policy called Health Advantage Plus. It takes care of your all hospitalization expenses and other related medical expenses.

This health insurance covers the hospitalization expenses including room rent, boarding expenses, doctors fees, surgeon fees, etc. It also covers Outpatient Department expenses such as diagnostic tests, dental treatment, medical bills, etc.

Pre and post hospitalization expenses are also coverer up to 30 days prior and 60 days after hospitalization. All pre-existing diseases can be covered after two continuous policy years with the company. The technological advance treatment/surgeries are also covered which do not require more than 24 hour of hospitalization.

The policy is available for the peoples aged between 5 years and 65 years. The applicant’s age should be above 18 years. The spouse, dependent parents and children above 5 years can be covered.  The policy is renewable up to the age of 70 years. No health check up is required for the people up to the age of 55 years.

The Health Advantage Plus provides cashless hospitalization service at over more than 3500 network hospitals across India. It also provides additional sum insured for every claim free year. Tax benefit is also offered on premium amount under section 80D of the Income tax Act,1961.