*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Health is wealth which needs to be taken care of and nourished the whole life. Today, where technology is reaching new heights, even diseases are showing up huge escalation. The costly treatments and emergency cases become a tension for many individuals. And, there comes the need of Individual health insurance in everyone’s life. It takes care of your health and expensive medical treatment related to medicines or hospitalization (pre and post-hospitalization) due to accident, sudden illness or surgery, during the policy term. It is an honest solution for people who cannot afford quality treatment because of the high charges and unavailability of cash.
The cluster of facilities available in individual health insurance policy is sure to please every person. Individual health insurance covers all pre and post hospitalization expenses incurred around 30 – 60 days prior to and 90 days post hospitalization. It provides cashless facility when you get your treatment done in a network hospital. Even during the non-cashless treatment, the amount is refunded but after a formal approval process. It also covers charges for ambulance and diagnostic tests up to a pre-defined limit. Facilities like daycare are also covered but are subjected to some terms and conditions.
Pre-existing diseases apart from injury due to accidents are treated after a defined waiting period which may vary from months to years. Any surgery like Cataract, treatment of Asthma, hernia, piles etc, maternity related issues or psychiatric disorders are covered after the waiting period.