DCB Bank Health Insurance

DCB Bank Health Insurance: Key Highlights

Categories	Specifications
Pre-existing Diseases (PED)	Included from day 1
Validity of DCB Bank Health Insurance Plans	1. As long as the customer holds an operational DCB Bank account 2. As long as the bank is collaborated with the insurer
Riders	Usually not offered
Premium Payment	Debited automatically from the customer’s bank account
Tax Benefits	Available under Section 80D of the Income Tax Act, 1961

Disclaimer: The waiting period for PED may change based on the terms and conditions of the DCB Bank health insurance policy.

Benefits of DCB Bank Health Insurance

Here are the key benefits of buying DCB Bank health insurance for account holders:

Affordable Health Insurance

DCB Bank offers health insurance plans that are more budget-friendly than standard mediclaim policies. This is because of the bank's partnership with the insurance provider to offer special discounted rates. Moreover, the DCB Bank may sometimes offer special deals, making plans more affordable.
Day 1 Coverage for Pre-Existing Conditions

DCB Bank health insurance scheme may provide day 1 coverage for pre-existing health conditions, like diabetes, high blood pressure, asthma, etc. This means customers get protection for existing illnesses without any waiting period.
No Agents Needed

DCB Bank account holders can purchase the mediclaim policy directly from the bank, eliminating the need for insurance agents. This makes the process simpler, quicker, and more reliable.
Easy Premium Payments

DCB Bank health insurance renewal premiums are automatically deducted from the customer's bank account. This ensures the policy stays active without worrying about missing payment dates.
More Convenient

DCB Bank manages both the banking and insurance needs of their customers in one place. This not only saves the customers’ time but also simplifies their financial planning.
Plans for Everyone

DCB Bank offers a wide selection of medical insurance plans, including DCB Bank health insurance for family, individuals and senior citizens, ensuring comprehensive mediclaim coverage for all age groups.

List of DCB Bank Health Insurance

The account holders of DCB Bank can purchase medical insurance from the insurers listed below:

Aditya Birla Health Insurance Company
ICICI Lombard General Insurance Company
Royal Sundaram General Insurance Company

Note: You can get in touch with the DCB Bank customer support team to know about the mediclaim policies offered by insurers listed above.

What is Covered by DCB Bank Health Insurance?

Check out the expenses covered by the DCB Bank health insurance scheme:

In-patient hospitalisation expenses
Pre-hospitsalisation costs
Post-hospitalisation costs
Accidental death
Day care treatments
Permanent total disability
Restoration of the sum insured
Permanent partial disability
AYUSH treatment
Annual health check-ups

Note: The exact coverage may differ from one DCB Bank insurance plan to another.

What is Not Covered by DCB Bank Health Insurance?

The DCB Bank health insurance scheme does not provide coverage for the following:

Intentional self-harm
Treatment for alcoholism or drug abuse
Cosmetic or plastic surgery
Dietary supplements and substances
Sterility and infertility
Treatment for injuries due to involvement in unlawful or illegal activities
Treatment for injuries due to war
Unproven treatments

Things to Keep in Mind While Buying a DCB Bank Health Insurance Plan

Take a look at a few things that customers should keep in mind at the time of buying the DCB Bank health insurance plan:

Plan Validity- The DCB Bank health insurance policy stays active as long as the DCB Bank continues its partnership with the insurance company and the customer's bank account remains active.
Limited Coverage- In comparison to regular medical insurance policies, coverage offered under DCB Bank health plans may be more limited.
Health Insurance Riders- Unlike retail health policies, the DCB Bank health insurance scheme may not allow customers to add optional covers, like maternity insurance, critical illness cover, etc.
Insurance Company Choices- Health plans offered through DCB Bank are available only from a limited number of insurance companies that have a partnership with the bank.

DCB Bank Health Insurance: FAQs

Q1. Can I buy health insurance from DCB Bank?

Ans: Yes. You can buy health insurance from DCB Bank, which will remain active until you have an active DCB Bank account and the bank continues its partnership with the insurance provider.
Q2. Which insurance company has a tie-up with the DCB Bank?

Ans: The Aditya Birla Health Insurance Company, ICICI Lombard General Insurance Company, and Royal Sundaram General Insurance Company have a tie-up with the DCB Bank.
Q3. How can I check the status of DCB Bank health insurance?

Ans: You can check the status of your DCB Bank health insurance policy by contacting the bank's customer support team. You can even send an email to the bank to enquire about your policy status.
Q4. What is the contact number of DCB Bank health insurance?

Ans: You can contact the DCB Bank customer care team at 022-6899 7777 or 040-6815 7777 to know about the available health insurance plans.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in