Health Insurance

Health Insurance Program provides pre-defined insurance coverage to all insured for expenses related to hospitalization due to illness, disease or injury. In the event of a hospitalization claim (more than 24 hrs), the insurance company will pay the insured person the amount of such expenses as would fall under different heads mentioned below and as are reasonably and necessarily incurred thereof by or on behalf of such insured person, but not exceeding the sum insured in aggregate mentioned in the policy:

Expenses Coverage's
  • Room Charges
  • Nursing expenses
  • Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialists Fees
  • Anesthesia, Blood, Oxygen, Operation Theatre Charges Surgical Appliances, Medicines & Drugs, & similar expenses.

Health insurance benefit can be availed either by reimbursement or cashless for expenses incurred from illness or injury to the insured. Types of Health plans are as below

Individual Plan

An individual health insurance policy means that a particular policy can cater to one particular individual only, namely the holder of the policy. In an Individual Health Policy, a separate sum insured can be defined for each of the family member.

Floater Plan

Family Floater health insurance plan means that a particular policy can cover the entire family under one plan. The customer has the option to include self, spouse, children and parents thus getting a full family medical insurance coverage.