APOLLO MUNICH HEALTH INSURANCE CO. LTD.

APOLLO MAXIMA 360-DEGREE HEALTH PLAN – FOR 2 ADULTS PLUS 2 CHILDREN

Another Apollo Maxima 360-degree health plan is for 2 adultsplus 2 children with the floater option. This planhas the FOLLOWING FEATURES:

• Sum insured per policy per year is Rs.3lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000 per hospitalization
• Daily cash for choosing shared accommodationof Rs.500 subject to a maximum of Rs.5000
• Daily cash of Rs.300 subject to a maximum of Rs.9000 for accompanying an insured child
• Maternity expenses with waiting period of 4 years. For normal delivery expenses up to Rs.15000 are covered and for caesarean delivery the expenses up to Rs.25000 are covered. This includes pre/post natal limit of Rs.1500 and infant baby limit of Rs.2000
• Newborn baby coverage is optional
• 50% or 100% additional of sum insured for additional cover for critical illness

EXCLUSIVE MAXIMA 360-DEGREE BENEFITS (these are applicable to Outpatient coverage):

• 6 consultations with general practitioner, physician or gynecologist. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.350
• 2 consultations with any other specialization not mentioned above. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.500
• Diagnostic tests worth Rs.2000 within a specified network
• Pharmacy worth Rs.3000 within a specified network
• Outpatient dental treatment worth Rs.1000 within a specified network
• Cover for spectacles and contact lenses worth Rs.1000 within a specified network
• 2 entitlement certificates of annual health check up within a specified network

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal. This is applicable for Inpatient treatment
• For Outpatient treatment, Maxima offers the advantage of carry forward benefits of 50% of any unutilized entitlements to next policy year except for the annual health check up
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS (these exclusions are only applicable to any Inpatient coverage):

• All treatments within the first 30 days of cover except any accidental injury
• 2 years exclusion for specific diseases
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVERAGE FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying this particular health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. This is the first company in India that is covering the Outpatient expenses of pre-existing diseases as well

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

APOLLO MAXIMA 360-DEGREE HEALTH PLAN – FOR 2 ADULTS

Apollo Maxima 360-degree health plan is another health insurance plan that is being offered by Apollo Munich Insurance Co. Ltd. This plan can be used for individuals as well as a floater for families. The Maxima 360-degree health plan for 2 adultshas the FOLLOWING FEATURES:

• Sum insured per policy per year is Rs.3lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000 per hospitalization
• Daily cash for choosing shared accommodationof Rs.500 subject to a maximum of Rs.5000
• Daily cash of Rs.300 subject to a maximum of Rs.9000 for accompanying an insured child
• Maternity expenses with waiting period of 4 years. For normal delivery expenses up to Rs.15000 are covered and for caesarean delivery the expenses up to Rs.25000 are covered. This includes pre/post natal limit of Rs.1500 and infant baby limit of Rs.2000
• Newborn baby coverage is optional
• 50% or 100% additional of sum insured for additional cover for critical illness

EXCLUSIVE MAXIMA 360-DEGREE BENEFITS (these are applicable to Outpatient coverage):

• 4 consultations with general practitioner, physician or gynecologist. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.350
• 2 consultations with any other specialization not mentioned above. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.500
• Diagnostic tests worth Rs.1000 within a specified network
• Pharmacy worth Rs.2500 within a specified network
• Outpatient dental treatment worth Rs.1000 within a specified network
• Cover for spectacles and contact lenses worth Rs.1000 within a specified network
• 2 entitlement certificates of annual health check up within a specified network

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal. This is applicable for Inpatient treatment
• For Outpatient treatment, Maxima offers the advantage of carry forward benefits of 50% of any unutilized entitlements to next policy year except for the annual health check up
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS (these exclusions are only applicable to any Inpatient coverage):

• All treatments within the first 30 days of cover except any accidental injury
• 2 years exclusion for specific diseases
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVERAGE FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying this particular health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. This is the first company in India that is covering the Outpatient expenses of pre-existing diseases as well

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

APOLLO MAXIMA 360-DEGREE HEALTH PLAN – FOR 1 ADULT

Apollo Maxima 360-degree health plan is another health insurance plan that is being offered by Apollo Munich Insurance Co. Ltd. This plan can be used for individuals as well as a floater for families. The Maxima 360-degree health plan for 1 adult has the FOLLOWING FEATURES:

• Sum insured per policy per year is Rs.3lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000 per hospitalization
• Daily cash for choosing shared accommodationof Rs.500 subject to a maximum of Rs.5000
• Daily cash of Rs.300 subject to a maximum of Rs.9000 for accompanying an insured child
• Maternity expenses with waiting period of 4 years. For normal delivery expenses up to Rs.15000 are covered and for caesarean delivery the expenses up to Rs.25000 are covered. This includes pre/post natal limit of Rs.1500 and infant baby limit of Rs.2000
• Newborn baby coverage is optional
• 50% or 100% additional of sum insured for additional cover for critical illness

EXCLUSIVE MAXIMA 360-DEGREE BENEFITS (these are applicable to Outpatient coverage):

• 3 consultations with general practitioner, physician or gynecologist. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.350
• 1 consultation with any other specialization not mentioned above. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.500
• Diagnostic tests worth Rs.1000 within a specified network
• Pharmacy worth Rs.2000 within a specified network
• Outpatient dental treatment worth Rs.1000 within a specified network
• Cover for spectacles and contact lenses worth Rs.1000 within a specified network
• 1 entitlement certificate of an annual health check up within a specified network

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal. This is applicable for Inpatient treatment
• For Outpatient treatment, Maxima offers the advantage of carry forward benefits of 50% of any unutilized entitlements to next policy year except for the annual health check up
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS (these exclusions are only applicable to any Inpatient coverage):

• All treatments within the first 30 days of cover except any accidental injury
• 2 years exclusion for specific diseases
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVERAGE FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying this particular health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. This is the first company in India that is covering the Outpatient expenses of pre-existing diseases as well

Reliance one of the largest corporate houses of the country also offers medical insurance to its customers. Reliance medical insurance policies are for both individuals as well as for groups. The reliance medical insurance policy offers several benefits to its customers. Their medical insurance policy will take care of the hospitalization expenses that occur out of the individual or any of the family member ( in the case of a family medical insurance policy) being hospitalized.

Apart from the normal hospitalization charges that an individual incurs, the company also provides coverage for any medicines or any diagnostic expenses that may arise out of the medical condition of the insurer. Or any pre hospitalization charges or any post hospitalization charges are also borne by the company. Dry care treatment as well as domiciliary hospitalization is also a part of the reliance medical insurance policy cover.

Reliance medical insurance policy, apart from being a great medical cover for any untoward experiences that may arise, also offers tax benefits for its policies. Thus under the section 80D, customers of reliance medical insurance policy can avail of tax benefits. The reliance medical insurance policy though does not cover any pre policy medical illness. Also medical expense due to HIV AIDS is not covered in this policy. Vaccinations, or treatment due to alcoholism or any nuclear or war perils are also not covered in the medical insurance policy that is provided by Reliance. If you are looking for any information on ther reliance medical insurance policy then you can log on to the following web site and get all the required information.

http://www.reliancegeneral.co.in/PreLog/individual/health/mediclaim-features.aspx

Tata AIG Health Insurance Company is collaboration between Indian corporate house Tata and the American Insurance group. Tata AIG is a leading insurance provider and a Mediclaim providing company in the country. The heath first plan is a popular health insurance plan offered by the company. As per this plan the company will provide you health cover for a fixed lump sum of money irrespective of the medical bills that you will provide to the insurance company.

The health first policy thus offers several benefits like the daily hospitalization benefit which will provide an allowance of about Rs. 2500 per day. As per this policy you also have a special surgical benefit allotted to you. Using this benefit a sum of Rs one lakh twenty five thousand will be given in the case of surgical procedures. There is also a critical illness cover as well as a post hospitalization benefit which is provided to the insurer. In the case of the health first policy insurance or the Mediclaim cover is provided to the entire family.

The Tata AIG health first Mediclaim policy also offers a great chance for people to be available to avail of tax benefits under the section 80D. Thus you can be sure of getting Mediclaim cover while also being able to avail of tax benefits. The policy is for people of the age of 18 to 60 years. And the treatment of the patient should take place in a pre approved hospital. If you are interested in applying for the Mediclaim policy then you can log on to the following web site in order to get all the required information of Tata AIG Health first insurance plan.

http://www.tata-aig-life.com/Individual/Adult/adultHealthFirst.htm

HDFC bank is one of the leading bank and corporate houses in the country. Besides being a bank it is also present in the insurance sector providing health insurance to thousands of clients. HDFC bank provides different types of health insurance policies. These policies may be slightly different but there fundamental aim of providing medical cover to people who have incurred any expenses remains the same. There are a large number of Mediclaim policies in the case of HDFC bank. If you are looking for a Mediclaim policy from this premier bank, then here are the policies. Thus there is the critical illness policy, the personal guard policy, the health guard policy, the hospital cash policy, the silver health and the health guard health insurance policy.

Under each of the above mentioned plans you will find a difference in the premiums as well as a difference in the amount of the health cover which is provided by the insurer. HDFC bank also provides you the freedom of choosing a health insurance policy that you feel is appropriate for you. You can opt for an individuals policy or can even opt for a group or a family Mediclaim policy if you want to. If you are interested in finding out more about the HDFC Mediclaim policy then you can go through the web site of the HDFC Mediclaim policy web site which is as follows.

http://www.hdfcbank.com/personal/cards/cc_secure_mediclaim.htm

On this web site you can find a comparison between the common premium rate charged in the market and the rate charged by this company for separate age groups.

Bajaj Allianz offers medical health insurance to its customers. Through its Mediclaim policies the company takes care of the medical expenses which are incurred when you or any member of your family gets hospitalized or needs medical attention. Some of the Mediclaim policies provided by Bajaj Allianz general health insurance are cashless Mediclaim policies. Since they are cashless Mediclaim policies, the customers do not have to pay the amount to the hospital and then apply for the reimbursement from the insurance company. But rather the insurance company bears the cost of the treatment and thus the customer may not be required to pay for the medical expenses and then apply for reimbursement.

There are several Mediclaim policies that Bajaj Allianz provides, with each policy being targeted at particular type of individual needs. Thus there is the critical illness policy, the personal guard policy, the health guard policy, the hospital cash policy, the star package policy, the insta insure policy as well as the health ensure policy. Cashless claims are available using the Bajaj Allianz health insurance scheme at more than 2400 hospitals across the country. In some of the Mediclaim policies you are not required to give a medical test till the age of 45. Infact using the Bajaj Allianz health insurance plan, Section 80D of the income tax is applicable and hence you can save taxes. If you are looking for a Mediclaim policy then you can logo to the web site of Bajaj Allianz general insurance where you will find information regarding the Mediclaim policies that the company has to offer. The web site is

https://www.bajajallianz.com/BagicCorp/bajaj_home/products/health/health.jsp

The Life insurance corporation is the largest insurance company in the country. The Mediclaim policy or the health insurance policy of the Life insurance Corporation has thousands of clients. The Mediclaim policy also has a large number of corporate as its clients. Its clients include atos origin, infosys, wipro, reliance communications as well as other major top corporates.

The life insurance corporation Mediclaim policy premium is not a constant one but is a floating one. And hence this Mediclaim premium can be expected to increase as the age of the person after whom the Mediclaim policy is increases. If you are looking for a Mediclaim policy which suits your needs or your family’s needs then you can get in touch with a life insurance corporation agent. A life insurance corporation agent is basically an agent of the life insurance corporation who helps other people get the insurance or the Mediclaim policy that they may be looking for.

If you are looking to get a LIC Mediclaim policy done in your name then you can either contact a life insurance corporation agent or you could log on to the web site of the life insurance corporation and find out all the information regarding the Mediclaim policy that would best suit your needs and profile. You can go through the following web site in order to find all the details regarding a Mediclaim policy from this company.

www.lichealth.net

ICICI Lombard is one of the largest general insurance companies in the country. ICICI prudential provides life insurance where as ICICI Lombard provides general insurance in the form of health insurance, motor vehicles insurance, home insurance etc. Under the Mediclaim policies ICICI Lombard provides several types of Mediclaim insurance policies. They have floating family policies and the cashless Mediclaim policies as well.

The floating family insurance plan covers the entire family insurance for a fixed amount. With the recent growing threat of terrorism all other the world. The ICICI Lombard policies also provide insurance cover against terrorism or any act arising out of terrorism. The family floater health plan thus provides cover for any medical expenses incurred during the case of illness, surgery, accident and also against acts of terrorism. The family floater health plan can also let you avail tax benefits for the same under section 80D. Then there is the health advantage plus plan which can also be taken for medical cover by the insurer. Here the policy duration is one year and the sum insured for may be two lakh rupees or three lakh rupees.

http://www.icicilombard.com/app/ilom-en/PersonalProducts/Health/floater.aspx?PolicyNo=DL-4034/733368&gclid=CIqhmeOr0JkCFRvnegod6Efjiw

Then ICICI Lombard also provides cashless Mediclaim policies. If you are interested in the Mediclaim policies of the company then you can go through the web site of Icici Lombard insurance company which will give you the information regarding the insurance plans. The web site of ICICI Lombard is