vijay.afc@gmail.com
+91-7666375125 , 9822664921

VALUE FOR MONEY HEALTH INSURANCE SOLUTIONS

VALUE FOR MONEY HEALTH INSURANCE SOLUTIONS

UNDERSTAND INDIAN MIND SET

Health insurance is important part of financial planning of every person. Unfortunately, it is most ignored due to reactive attitude of the person. We should be pro-active in buying health insurance because when we want it we may not get it.

We are very good at solving the problem when it occurs but we are not ready to become proactive and buy health insurance. We are very good at analysis and comparison but too much analysis of cost of premium leads to decision paralysis. When our nearest friend is hospitalized we carry fruits and coconut water for him but we NEVER carry cash. When we see our nearest friend/relative is struggling to meet health care treatment expenses in hospital we never visit him. This is hard fact of life.

Importance of having your Own Health Insurance Policy

  1. Private jobs these days are most unsecured. Do not depend on Company provided Health Insurance.
  2. There may be long gap in 2 jobs
  3. 98% people do not get time to exercise due to heavy work schedule
  4. Stress level are ever increasing.
  5. Your medical emergency should not result in financial emergency.
  6. Friends and relatives are for parties and not for financial calamities.
  7. Cost of health treatment is going up 20% CAGR
  8. Your medical emergency should not result in your financial emergency.
  9. One single incidence of health expenses can wipe off your entire life savings.
  10. We only think of health insurance when we go through worst health care expense or when we see others trauma what happens when one does not have health insurance.
  11. Last but not least you can get tax exemption under section 80 D

 

COMPREHENSIVE HEALTH INSURANCE RS.25 LACS

 

AGE SLAB

AGE

91DYS-35YRS

36-45

46-50

51-55

56-60

61-65

1A

18013

20786

30934

37925

44445

56115

2A

29571

33441

51165

54315

63331

79615

2A+1C

34527

37772

53584

59177

67543

135390

2A+2C

36887

40380

56392

62670

72653

140614

2A+3C

46150

49218

64876

71930

89857

149392

1A+1C

24933

28202

36828

41996

51094

87239

1A+2C

28473

32816

44746

47247

58481

111024

1A+3C

39306

44061

61655

69915

81892

132449


COMPREHENSIVE HEALTH INSURANCE RS.1 Crore

 

AGE SLAB

AGE

91DYS-35YRS

36-45

46-50

51-55

56-60

61-65

1A

23016

26556

39518

48445

56770

71673

2A

37772

42710

65348

69372

80883

101681

2A+1C

44108

48244

68440

75573

86264

172911

2A+2C

47117

51572

72021

80045

92789

179584

2A+3C

58947

62870

82860

91173

114761

190788

1A+1C

31854

36020

47041

53637

65254

111416

1A+2C

36374

41920

57153

60345

74694

141795

1A+3C

50203

56274

78747

89291

104583

169147

 

Above Annual Premium is inclusive of 18% GST

Guaranteed Renewal for Life Time

Benefits

  1. No Disease Sub-limit except Pregnancy
  2. Pregnancy cover after 2 Years
  3. Private AC Room
  4. Yearly Health Check Up
  5. Built in Accidental Death / Total Permanent Disability Cover
  6. OPD Expenses reimbursement in Channel Hospital
  7. Organ Donor Expenses covered
  8. Hospital Cash Expenses of caretaker covered
  9. Cost of Specs and Dental Exp of Rs.15000 per block of 3 years
  10. Pre and Post Hospitalization 60 and 90 Days
  11. PED Cover after 4 Years
  12. PED Cover waiting period can be reduced to 1 year after one-time extra payment
  13. Dependent Child covered up-to age 25
  14. Life Long Renewal
  15. Sum Insured Rebound
  16. Smooth Cash Less Settlement through more than 10000 hospital across India.

EXCLUSIONS APPLICABLE TO STANDARD HEALTH INSURANCE POLICY ISSUED BY ALL INSURANCE COMPANIES IN INDIA

Exclusions

1) Pre-existing Diseases at the time of obtaining policy. (However pre-existing diseases are covered after 4 consecutive renewals with the company)However PED can be reduced to 1 year after making one-time extra premium.

2) Any Disease contracted during first 30 days

3) First 2 year

•  Benign prostate hypertrophy
• Hernia, Hydrocele, Fistula in Anus, Piles
• Sinusitis
• congenital internal disease/defect
• Renal stone and Gall stone removal
• Cataract
• hysterectomy following menorrhea or fibromyoma
• Knee Replacement Surgery
• Joint Replacement Surgery
• Prolapse of intervertebral
• Varicose veins/ulcers 

These are the standard exclusions stated in all Health Insurance Policies offered by all insurance companies. Except these exclusions you can claim any medical expenditure. After 2 years all above diseases can be claimed which please note.

Other Terms and Conditions

OPD is not covered in health insurance policy.

After admission in the hospital any medical management which is diagnostic in nature the result of which is negative (means medical reports are normal after performing medical tests) are not payable. 

24 Hours hospitalization is necessary to claim under policy.

In case hospitalization arising out of accident can be claimed anytime from date of issue of policy.

Dental treatment is not covered however dental treatment arising out accident is covered. This policy gives complementary dental expenses and cost of specs amounting to Rs.15000 per block of 3 years.

Cosmetic surgeries of all kinds are not covered. Lasik Surgery / Psychological treatment/ aids treatment is not payable.

Please note cashless claim means not 100% of bill amount. You are required to pay 5% to 10% of total bill amount depending on case-to-case basis as cost of consumables, admin charges not payable by insurance company. 

To buy the policy please mail following details to vijay.afc@gmail.com

  1. Complete Name, Gender, Date of Birth, Height in CMS, Weight in Kgs, of each member.
  2. Medical History of each family member if any.
  3. PAN number of proposers.
  4. Complete postal address with Pin code
  5. Email address, Cell number