Apart from many other health insurance policies National Insurance Company Limited also has a health insurance policy exclusively for students called “Vidyarthi – medi-claim for students”.

TheSALIENT FEATURES of this policy are:

· It provides health and personal accident cover to students

· It also provides for continuation of the insured student’s education in case of death or permanent total disablement of the guardian due to an accident

· Students from the age of 3 years to 25 years can take this policy

· Expenses of hospitalization for minimum period of 24 hours are admissible

· The above time limit is not applicable to specific treatments such as day care treatment for stitching of wounds, close reduction and application of POP casts, dialysis, chemotherapy, radiotherapy, eye surgery, ENT surgery, laparoscopic surgery, angiographies, endoscopies, lithotripsy and tonsillectomy

· Pre-hospitalization expenses incurred up to 30 days prior to hospitalization are covered

· Post-hospitalization expenses incurred up to 60 days after hospitalization will be reimbursed

· Pre-existing will be covered after 3 continuous claim free years

SCOPE OF COVER UNDER VIDYARTHI:

	HOSPITALIZATION BENEFIT
A	Room, boarding expenses as provided by hospital/nursing home which also includes nursing care, RMO charges, IV Fluids/blood transfusion/injection charges
B	Surgeon, anesthetist, medical practitioner, consultants, specialist’s fee, nursing expenses
C	Anesthesia, blood, oxygen, OT charges, surgical appliances, medicines, drugs, diagnostic material and X-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs, cost of stent and implants

SCOPE OF COVER FOR PERSONAL ACCIDENT TO STUDENT AND GUARDIAN OF STUDENT:

· If insured person sustains any bodily injury resulting from accident caused by external violent and visible means then the company will pay the sum insured

· If the injury as above within 12 calendar months is the cause of death then the company will give capital sum insured

· If the injury as above within 12 calendar months is the cause of total and irrecoverable loss of sight of both eyes or total and irrecoverable loss of use of two hands or two feet, or of one hand and one foot or of such loss of sight of one eye and such loss of use of one hand or one foot, the capital sum insured is payable

· If the injury as above within 12 calendar months is the cause of total and irrecoverable loss of sight of one eye or total and irrecoverable loss of use of a hand or foot, 50% of capital sum insured is payable

EXCLUSIONS UNDER HOSPITALIZATION:

National India Insurance is not liable to make any payment in respect of any expenses incurred in connection with:

· All diseases/injuries those are pre-existing when the cover incepts for the first time

· Any disease other than diabetes and hypertension that is contracted during the first 30 days from the commencement date of the policy except in case of hospitalization due to an accidental injury

· If the insured is aware of the existence of a congenital internal disease/defect before inception of the policy, it is treated as pre-existing

· Injury or disease caused due to war invasion

· Circumcision unless necessary for treatment of a disease

· Cost of spectacles, contact lenses and hearing aids

· Any dental treatment or surgery which is a corrective, cosmetic or aesthetic procedure, including wear and tear, unless arising from accidental injury and which requires hospitalization for treatment

· Convalescence general debility “run down” condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol

· All expenses arising out of any condition due to AIDS

· Charges incurred at a hospital/nursing home for diagnostic, X-ray or laboratory examinations not consistent with any ailment, sickness or injury

· Expenses on vitamins and tonics unless forming part of treatment for injury or disease

· Injury or disease caused by nuclear weapons or materials

· Treatment arising from pregnancy, childbirth, miscarriage, abortion or complications of caesarean section

· Any treatment other than allopathic system of medicine

EXCLUSIONS UNDER ACCIDENT:

· Death from intentional self injury, suicide or attempted suicide

· Death whilst under influence of intoxicating liquor or drugs

· Death whilst engaging in aviation or ballooning or traveling in an aircraft other than as a passenger

· Death caused by venereal disease or insanity

· Death arising from committing any breach of law with criminal intent

· Death due to war, invasion, civil war, rebellion, mutiny, seizure, captures, etc

· Death from ionizing radiations or contamination by radioactivity from any nuclear fuel or nuclear waste

· Death or disablement caused by prolonged conditions during childbirth or pregnancy

ADDITIONAL BENEFITSof taking a health insurance policy from National Insurance Company Limited are:

· It is a public sector company so it is perceived to be safer by quite a few people

· Sum insured under this policy shall be progressively increased by 5% in respect of each claim free year subject to a maximum of 10 claim free years of insurance

· The policyholder also has the option of taking a 5% discount in the premium instead of the cumulative bonus

· In case of claim taken by the person who has earned the cumulative bonus, the increased percentage will be reduced by 10% of sum insured at the next renewal. The basic sum insured will be maintained and will not be reduced

Another health insurance policy that Max New York Life Insurance Company Limited has come up with is the Lifeline Wellness Plan.

The SALIENT FEATURES of this plan are:

· There is a 5-year guarantee on the premium payable

· Coverage tenure of up to 20 years

· Coverage for 10 critical illnesses

· Cancer

· Coma

· Kidney Failure

· Multiple Sclerosis

· Heart Attack

· Paralysis/paraplegia

· Stroke

· Major organ transplant

· Coronary artery bypass surgery

· Heart valve surgery

· On the happening of any of the events given above and if it is confirmed by a registered medical practitioner, the life insured has survived for at least 28 days after the happening of the insured event and the claim documents have been submitted within 60 days from the date of the happening, the company will pay 100% of sum insured subject to a maximum of Rs.20 lacs

· Waiting period is 180 days from policy commencement

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 60 years

· Policy term options are 10/15/20 years

· Maximum age at maturity can be 75 years

UNIT BENEFIT:

The benefits are converted into units from 1 to 10 and one unit can be chosen at the time of opting for the policy.But oncethe unit is chosen and the policy is in effect, the unit option cannot be changed. The sum insured against those units are as under:

No. of units	1	2	3	4	5	6	7	8	9	10
SI (in lacs)	2	4	6	8	10	12	14	16	18	20

EXCLUSIONS:

No benefits under this policy are payable in case of any of the following:

· Any pre-existing condition

· Any insured event happening within the first 180 days of the effective date and within 90 days of the date of revival of the policy, except a critical illness which occurs from or is caused as a result of an injury

· Opportunistic diseases associated with AIDS or HIV infections

· Suicide or attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

· Failure to seek or follow medical advice

· Any congenital conditions

· Any pre-malignant tumors, polyps or carcinoma-in-situ of any organ

· Pregnancy or childbirth or complications arising therefrom

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

The BENEFITS of buying a health insurance plan from Max New York Life are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

Max New York Life Insurance Company Limited is a joint venture between Max India Limited, one of India’s leading multi-business corporations and New York Life International, a Fortune 100 company.

One of the health insurance plans that Max New York Life has come up for the entire family is the Lifeline Safety Net Plan.

The SALIENT FEATURES of this plan are:

· Covers to protect policyholder and her/his family in the unfortunate event of death, disease, accident and disability

· In case of death, the company will pay a sum equal to the sum insured subject to deduction of critical illness benefit, if paid any

· In the event of critical illness, the company will pay 50% of the sum insured

· If there is total permanent disability, the company pays an additional benefit of 50% of sum insured

· An additional benefit of 100% of sum insured is paid in the case of accidental death benefit

· Sum insured can be taken for amounts ranging from Rs.2 lacs to Rs.40 lacs

· There is a 5-year guarantee on the premium payable

· High coverage tenure of up to 30 years

· Coverage for 10 critical illnesses

· Cancer

· Coma

· Kidney Failure

· Multiple Sclerosis

· Heart Attack

· Paralysis/paraplegia

· Stroke

· Major organ transplant

· Coronary artery bypass surgery

· Heart valve surgery

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 60 years

· Policy term is 10/15/20/25/30 years

· Maximum cover ceasing age is 75 years

EXCLUSIONS:

No benefits will be payable if the insured event occurs due to one of the following reasons:

· Opportunistic diseases associated with AIDS or HIV infections

· A pre-existing condition

· Suicide or attempted suicide or intentional self inflicted injury within 12 months after the issuance or reinstatement of the policy. No total and permanent disability benefit will be payable if it occurs as a result of attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

Some otherBENEFITS of buying a health insurance plan from Max New York Life apart from the ones given above are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

Max New York Life Insurance Company Limited is a joint venture between Max India Limited, one of India’s leading multi-business corporations and New York Life International, a Fortune 100 company. One of the health insurance plans that Max New York Life has come up with is the Lifeline Medi-cash Plus plan, which has some additional features to the Lifeline Medi-cash Plan.

The SALIENT FEATURES of this plan are:

· There is a 5-year guarantee on the premium payable

· Guaranteed long term coverage for 10 years subject to premium paid by the policyholder

· Medi cash covers a policyholder for 50 days in any policy year and 250 days through the term of the policy. So a policyholder can claim for cover any number of times within these limits

· A 20% discount is offered from the 6^th year onwards if the first 5 years have been claim free

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 55 years

· Policy term is 10 years

· Maximum age at maturity can be 65 years

UNIT BENEFIT:

Max New York Life gives units against the premium paid towards the health insurance policy. These units are a representation of a collective set of benefits that the policyholder proposes for the policy. The benefits against those units are as under:

BENEFIT	1 UNIT	2 UNITS	3 UNITS	4 UNITS	5 UNITS
Daily Hospital Cash Benefit	Rs.1000	Rs.2000	Rs.3000	Rs.4000	Rs.5000
Daily ICU Cash Benefit	Rs.2000	Rs.4000	Rs.6000	Rs.8000	Rs.10000
Recuperating Cash Benefit (Lump sum)	Rs.3000	Rs.6000	Rs.9000	Rs.12000	Rs.15000
Surgical Cash (Lump sum up to Rs.)	Rs.50000	Rs.1 Lac	Rs.1.5 Lacs	Rs.2 Lacs	Rs.2.5 Lacs
Minor Surgery	Rs.5000	Rs.10000	Rs.15000	Rs.20000	Rs.25000
Intermediate Surgery	Rs.7500	Rs.15000	Rs.22500	Rs.30000	Rs.37500
Major Surgery	Rs.17500	Rs.35000	Rs.52500	Rs.70000	Rs.87500
Supra Major Surgery	Rs.50000	Rs.1 Lac	Rs.1.5 Lacs	Rs.2 Lacs	Rs.2.5 Lacs
Others	Up to Rs.10000	Up to Rs.10000	Up to Rs.10000	Up to Rs.10000	Up to Rs.10000

Annual Limit: 50 days of hospitalization

Policy Term Limit: 250 days of hospitalization

EXCLUSIONS:

No benefits under this policy are payable if there is an admission into a hospital in respect of the following:

· For treatment of a pre-existing condition within 90 days from the effective date of the policy

· For treatment of surgery purely for the purpose of routine examination, preventive medical check up, vaccinations, diagnosis, screening and investigations

· For treatment for any psychiatric, mental or nervous condition

· For dental treatment, supply or fitting of eyeglasses or hearing aids, LASIK, Phakik Intra Ocular Lens implants or any other procedures carried out for purpose of correcting refractive errors

· For pregnancy and childbirth, pregnancy complications such as toxaemia, abortion, contraceptive measures and fertility tests

· For treatment of infertility or of a sexually transmitted disease

· Cosmetic or plastic surgery except where such surgery is medically necessary for treatment of an injury

· For sex change operation

· For an organ transplant procedure, where the life insured himself/herself acts as a donor

· Purely for convalescent care, rest care, rehabilitation

· Where treatment or surgical procedure is not undertaken or carried out by a registered medical practitioner

· Outside India

No benefits will be payable if the insured event occurs due to one of the following reasons:

· Opportunistic diseases associated with AIDS or HIV infections

· Suicide or attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

The BENEFITS of buying a health insurance plan from Max New York Life are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

· Fixed daily hospitalization benefit available irrespective of amount of actual billing

· Benefits are payable along with any other health insurance policy that the policyholder may have with Max New York Life or any other insurance company

Max New York Life Insurance Company Limited is a joint venture between Max India Limited, one of India’s leading multi-business corporations and New York Life International, a Fortune 100 company. One of the health insurance plans that Max New York Life has come up with is the Lifeline Medi-cash plan.

The SALIENT FEATURES of this plan are:

· There is a 5-year guarantee on the premium payable

· Guaranteed long term coverage for 10 years subject to premium paid by the policyholder

· Medi cash covers a policyholder for 50 days in any policy year and 250 days through the term of the policy. So a policyholder can claim for cover any number of times within these limits

· A 20% discount is offered from the 6^th year onwards if the first 5 years have been claim free

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 55 years

· Policy term is 10 years

· Maximum age at maturity can be 65 years

UNIT BENEFIT:

Max New York Life gives units against the premium paid towards the health insurance policy. These units are a representation of a collective set of benefits that the policyholder proposes for the policy. The benefits against those units are as under:

BENEFIT	1 UNIT	2 UNITS	3 UNITS	4 UNITS	5 UNITS
Daily Hospital Cash Benefit	Rs.1000	Rs.2000	Rs.3000	Rs.4000	Rs.5000
Daily ICU Cash Benefit	Rs.2000	Rs.4000	Rs.6000	Rs.8000	Rs.10000
Recuperating Cash Benefit (Lump sum)	Rs.3000	Rs.6000	Rs.9000	Rs.12000	Rs.15000
Annual Limit	50 days of hospitalization	50 days of hospitalization	50 days of hospitalization	50 days of hospitalization	50 days of hospitalization
Policy Term Limit	250 days of hospitalization	250 days of hospitalization	250 days of hospitalization	250 days of hospitalization	250 days of hospitalization

EXCLUSIONS:

No benefits under this policy are payable if there is an admission into a hospital in respect of the following:

· For treatment of a pre-existing condition within 90 days from the effective date of the policy

· For treatment of surgery purely for the purpose of routine examination, preventive medical check up, vaccinations, diagnosis, screening and investigations

· For treatment for any psychiatric, mental or nervous condition

· For dental treatment, supply or fitting of eyeglasses or hearing aids, LASIK, Phakik Intra Ocular Lens implants or any other procedures carried out for purpose of correcting refractive errors

· For pregnancy and childbirth, pregnancy complications such as toxaemia, abortion, contraceptive measures and fertility tests

· For treatment of infertility or of a sexually transmitted disease

· Cosmetic or plastic surgery except where such surgery is medically necessary for treatment of an injury

· For sex change operation

· For an organ transplant procedure, where the life insured himself/herself acts as a donor

· Purely for convalescent care, rest care, rehabilitation

· Where treatment or surgical procedure is not undertaken or carried out by a registered medical practitioner

· Outside India

No benefits will be payable if the insured event occurs due to one of the following reasons:

· Opportunistic diseases associated with AIDS or HIV infections

· Suicide or attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

The BENEFITS of buying a health insurance plan from Max New York Life are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

· Fixed daily hospitalization benefit available irrespective of amount of actual billing

· Benefits are payable along with any other health insurance policy that the policyholder may have with Max New York Life or any other insurance company

A health insurance policy with certain additional features to the Lifeline Wellness Plan is the Lifeline Wellness Plus Plan that has been introduced by Max New York Life Insurance Company Limited. The SALIENT FEATURES of this plan are:

· There is a 5-year guarantee on the premium payable

· Coverage tenure of up to 20 years

· On the happening of any of the events given above and if it is confirmed by a registered medical practitioner, the life insured has survived for at least 28 days after the happening of the insured event and the claim documents have been submitted within 60 days from the date of the happening

· A claim if paid for any critical illness will not be paid again

· This policy is not offered to sub standard lives

· Waiting period is 180 days from policy commencement

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 60 years

· Policy term options are 10/15/20 years

· Maximum age at maturity can be 75 years

UNIT BENEFIT:

The benefits are converted into units from 1 to 10 and one unit can be chosen at the time of opting for the policy.But oncethe unit is chosen and the policy is in effect, the unit option cannot be changed. The sum insured against those units are as under:

No. of units	1	2	3	4	5	6	7	8	9	10
SI (in lacs)	2	4	6	8	10	12	14	16	18	20

LIST OF COVERED CRITICAL ILLNESS CONDITIONS:

The list of covered critical illness conditions is divided into 3 groups based on the severity of the disease and the benefits payable under each group. Once a claim is put across for a particular critical illness, the cover will continue for the balance sum insured. The list is given below:

GROUP 1	GROUP 2	GROUP 3
Claim – 25% of SI Policy continues with balance SI	Claim – 50% of SI Policy continues with balance SI	Claim – 100% of SI Policy discontinued
· Alzheimer’s disease · Blindness · Deafness · Loss of speech · Medullary cystic disease · Motor neuron disease · Muscular dystrophy	· Angioplasty& other invasive treatment for coronary artery disease · Benign brain tumor · Cardiomyopathy · End stage lung disease · Heart attack · Heart valve surgery · Major burns · Multiple sclerosis · Multiple trunk avulsions of brachial plexus · Necrotizing fascitiis · Paralysis or paraplegia · Parkinson’s disease · Primary pulmonary hypertension	· Apallic syndrome · Aplasticanaemia · Brain surgery · Cancer · Coma · Coronary artery by pass surgery · Kidney failure · End stage liver disease · Loss of independent existence · Loss of limbs · Major head trauma · Major organ transplant · Stroke · Surgery of aorta · Terminal illness · Total permanent disability

EXCLUSIONS:

No benefits under this policy are payable in case of any of the following:

· Any pre-existing condition

· Any insured event happening within the first 180 days of the effective date and within 90 days of the date of revival of the policy, except a critical illness which occurs from or is caused as a result of an injury

· Opportunistic diseases associated with AIDS or HIV infections

· Suicide or attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

· Failure to seek or follow medical advice

· Any congenital conditions

· Any pre-malignant tumors, polyps or carcinoma-in-situ of any organ

· Pregnancy or childbirth or complications arising therefrom

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

The BENEFITS of buying a health insurance plan from Max New York Life are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

The ICICI Lombard Individual Personal Accident Insurance covers an individual against accidental death and permanent total disability.

This also includes coverage against terrorism and acts of terrorism.

The FEATURES of this plan are as under:

· It covers against accidental death and permanent total disability that occurs due to an accident

· Customized coverage can be chosen from Rs.3 lacs, Rs.5 lacs, Rs.10 lacs and Rs.20 lacs of sum insured

· The claim will be settled if it is claimed within 12 months of the loss

DETAILS OF PERCENTAGES REIMBURSED:

Loss of use/actual loss by physical separation of	Percentage of capital sum insured
Sight of both eyes	100%
Both hands	100%
Both feet	100%
One hand and one foot	100%
One eye and one hand or one foot	100%
Sight of one eye	50%
One hand or one foot	50%

The EXCLUSIONS to this policy are:

· The company is not liable for compensation/claim under more than one category specified in the policy and for claims arising from any sickness/illness

· Death/injury/disablement due to:

· Intentional self injury, suicide or attempted suicide

· Influence of intoxicating drugs

· Caused by insanity or venereal disease

· War, invasion, act of foreign enemy, civil war, rebellion, revolution, insurrection, etc

· Nuclear weapon induced treatment

· Childbirth or pregnancy

ELIGIBILITY:

· The minimum entry age is 18 years

· The maximum entry age is 70 years

PREMIUMS:

A service tax of 10.3% will be levied on all the premium amounts.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying an insurance policy from ICICI Lombard are many, some of them being:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· World wide coverage of this policy

· No health check up for policy issuance

· Expenses for hospitalization also covered for terrorist activities

Icici Lombard General Insurance

ICICI Lombard is a joint venture between ICICI Bank Limited, which is India’s second largest bank and Fairfax Financial Holdings Limited, a Canada based diversified financial services company. Another policy that they have come up with is the Health Advantage Plus. The FEATURES of this plan are as under:

· This is a health cover primarily for the benefit of senior citizens

· It covers OPD expenses such as diagnostic tests, dental treatment, medical bills, ambulance charges, etc

· Pre-existing illnesses/diseases covered after 2 years of continuous renewal with the company

· Maternity expenses can be covered under OPD expenses up to the OPD sum insured

· Medical expenses incurred as in inpatient during hospitalization for more than 24 hours including room charges, doctor’s/surgeon’s fee, medicine bills, etc

· Medical expenses incurred 30 days prior and 60 days post hospitalization

· This policy also covers hospitalization in case of Swine Flu/H1N1 influenza

· A maximum of 2 adults can be covered under one policy

· The following advanced treatments do not need 24-hour hospitalization but are covered under this policy:

· Cataract limited to Rs.20000 per eye

· Kidney stone removal

· Tonsillectomy

· Eye surgery

· Dialysis

· Dilatation and currettage

· Chemotherapy

· Radiotherapy

· Coronary angiography

· Cardiac catheterization

· OPD cover for room, boarding expenses, nursing expenses, expenses related to dental treatment, surgeon, medical practitioner, consultants, specialist’s fee, anesthesia, blood, oxygen, operation theater charges, surgical consumables, medicines and drugs, diagnostic material and x-ray, cost of pacemaker, cost of artificial limbs, external medical aids

The EXCLUSIONS to this policy are:

Exclusions for the first 30 days:

· Any illness contracted within 30 days from the inception of the policy, except those that are incurred as a result of an accident

Exclusions valid for the first 2 years:

Treatments of the diseases/ailments/illnesses mentioned below:

· Cataract

· Benign prostatic hypertrophy

· Myomectomy, hysterectomy unless due to malignancy

· Hernia, hydrocele

· Fistula in anus, piles

· Arthritis, gout, rheumatism

· Joint replacement unless due to accident

· Sinusitis and related disorders

· Stone in the urinary and biliary systems

· Dilatation and curretage

· Skin and all internal tumors/nodules/cysts of any kind including breast lumps unless malignant, adenoids/hemorrhoids

· Dialysis required for chronical renal failure

· Surgery on tonsils, adenoids, sinusitis

· Gastric and duodenal ulcers

· Deviated nasal septum

Permanent exclusions:

· Any illness/disease/injury/pre-existing disease before the inception of the policy

· Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic aesthetic and obesity related treatment

· Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury

· War, riots, strike, nuclear weapon, induced treatment

Exclusions for OPD:

· Suicide or self inflicted injury

· Alcohol or drug abuse

· War, riots, nuclear related hospitalization

· Non-allopathic treatment, experimental and unproven treatment

· Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury

ELIGIBILITY:

· People between the age of 5 and 65 years can be covered under this policy

· The proposer should be above the age of 18 years

· The policy can be renewed up to a maximum age of 70 years

PREMIUMS:

A service tax of 10.3% will be levied on all the premium amounts.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying an insurance policy from ICICI Lombard are many, some of them being:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· No sub-limits on room rent, doctor fees, hospital charges or any disease, except cataract where Rs.20000 per eye is allowable

· No co-payments for any disease or any hospitalization expenses

· No health check up till the age of 55 years

· Free health check up coupon for any one insured family member for the policy period

· Buy the policies online and pay the premium in EMIs without any extra charge subject to a minimum annual premium of Rs.1500

· Expenses for hospitalization also covered for terrorist activities

· A cumulative bonus of 5% is added to the sum insured for every claim free year subject to a maximum of 50%

Icici Lombard General Insurance

ICICI Lombard is a joint venture between ICICI Bank Limited, which is India’s second largest bank and Fairfax Financial Holdings Limited, a Canada based diversified financial services company.
One policy that they have come up with is the Family Floater Health Insurance Plan.

The FEATURES of this plan are as under:

· Medical expenses incurred as in inpatient during hospitalization for more than 24 hours including room charges, doctor’s/surgeon’s fee, medicine bills, etc

· Medical expenses incurred 30 days prior and 60 days post hospitalization

· Day care expenses incurred on advanced technological surgeries and procedures requiring less than 24 hours of hospitalization (including dialysis, chemotherapy and radiotherapy)

· Pre-existing diseases are covered after 4 continuous years of renewal with ICICI Lombard

· This policy also covers hospitalization in case of Swine Flu/H1N1 influenza

· A maximum of 2 adults and 2 children can be covered under one policy

· This policy gives the option of one or two year covers for which the premium amounts are different

The EXCLUSIONS to this policy are:

Exclusions for the first 30 days:

· Any illness contracted within 30 days from the inception of the policy, except those that are incurred as a result of an accident

Exclusions valid for the first 2 years:

Treatments of the diseases/ailments/illnesses mentioned below:

· Cataract

· Benign prostatic hypertrophy

· Myomectomy, hysterectomy unless due to malignancy

· Hernia, hydrocele

· Fistula in anus, piles

· Arthritis, gout, rheumatism

· Joint replacement unless due to accident

· Sinusitis and related disorders

· Stone in the urinary and biliary systems

· Dilatation and curretage

· Skin and all internal tumors/nodules/cysts of any kind including breast lumps unless malignant, adenoids/hemorrhoids

· Dialysis required for chronical renal failure

· Surgery on tonsils, adenoids, sinusitis

· Gastric and duodenal ulcers

Permanent exclusions:

· Any illness/disease/injury/pre-existing disease before the inception of the policy

· Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic aesthetic and obesity related treatment

· Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury

· War, riots, strike, nuclear weapon, induced treatment

ELIGIBILITY:

· People between the age of 5 and 60 years can be covered under this policy

· The proposer should be above the age of 18 years

· At least one adult must be covered under the same policy to be able to cover children between 91 days and 5 years of age

· Children below 91 days cannot be covered under this policy

· The policy can be renewed up to a maximum age of 70 years

PREMIUMS:

The premiums for this Family Floater Health Insurance Plan are:

PREMIUMS FOR 1-YEAR PLAN:

Plan	Individual	Individual	2A	2A	2A	2A+1C	2A+1C	2A+1C
	2 L	3L	2L	3L	4L	2L	3L	4L
5-18 yrs	1956/-	2250/-	-	-	-	-	-	-
19-35 yrs	2644/-	3046/-	3965/-	4570/-	6854/-	5139/-	5920/-	8896/-
36-45 yrs	3312/-	3679/-	4968/-	5519/-	7702/-	6141/-	6869/-	9746/-
46-55 yrs	5896/-	6552/-	9434/-	10483/-	14675/-	10607/-	11833/-	16719/-
56-60 yrs		8026/-	11557/-	12841/-	17977/-	12731/-	14192/-	20021/-

Plan	2A+2C	2A+2C	2A+2C	1A+1C	1A+1C	1A+1C
	2L	3L	4L	2L	3L	4L
5-18 yrs	-	-	-	-	-	-
19-35 yrs	6312/-	7170/-	10943/-	3472/-	3999/-	6019/-
36-45 yrs	7314/-	8219/-	11791/-	4023/-	4521/-	6485/-
46-55 yrs	11781/-	13183/-	18763/-	6479/-	7251/-	10320/-
56-60 yrs	13904/-	15542/-	22065/-	7647/-	8548/-	12136/-

Plan	1A+2C	1A+2C	1A+2C
	2L	3L	4L
5-18 yrs	-	-	-
19-35 yrs	4329/-	4985/-	7516/-
36-45 yrs	4831/-	5460/-	7940/-
46-55 yrs	7064/-	7942/-	11426/-
56-60 yrs	8125/-	9121/-	13077/-

PREMIUMS FOR 2-YEARS AUTO RENEWAL PLANS:

Plan	Individual	Individual	2A	2A	2A	2A+1C	2A+1C	2A+1C
	2 L	3L	2L	3L	4L	2L	3L	4L
5-18 yrs	3520/-	4051/-	-	-	-	-	-	-
19-35 yrs	4758/-	5484/-	7137/-	8225/-	12338/-	9250/-	10656/-	16018/-
36-45 yrs	5961/-	6623/-	8942/-	9934/-	13864/-	11054/-	12365/-	17543/-
46-55 yrs	11203/-	12448/-	17925/-	19917/-	27882/-	20154/-	22483/-	31766/-
56-60 yrs	-	16052/-	23113/-	25683/-	35953/-	25460/-	28383/-	40042/-

Plan	2A+2C	2A+2C	2A+2C	1A+1C	1A+1C	1A+1C
	2L	3L	4L	2L	3L	4L
5-18 yrs	-	-	-	-	-	-
19-35 yrs	11362/-	13086/-	19697/-	6249/-	7197/-	10834/-
36-45 yrs	13166/-	14795/-	21223/-	7241/-	8137/-	11673/-
46-55 yrs	22384/-	25048/-	35650/-	12311/-	13777/-	19608/-
56-60 yrs	27807/-	31084/-	44130/-	15294/-	17096/-	24272/-

Plan	1A+2C	1A+2C	1A+2C
	2L	3L	4L
5-18 yrs	-	-	-
19-35 yrs	7793/-	8974/-	13528/-
36-45 yrs	8695/-	9828/-	14291/-
46-55 yrs	13421/-	15090/-	21709/-
56-60 yrs	16251/-	18242/-	26154/-

A service tax of 10.3% will be levied on all the premium amounts given in the table above.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying an insurance policy from ICICI Lombard are many, some of them being:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· No sub-limits on room rent, doctor fees, hospital charges or any disease, except cataract where Rs.20000 per eye is allowable

· No co-payments for any disease or any hospitalization expenses

· No health check up till the age of 55 years

· Free health check up coupon for any one insured family member for the policy period

· Buy the policies online and pay the premium in EMIs without any extra charge subject to a minimum annual premium of Rs.1500

· Expenses for hospitalization also covered for terrorist activities

· A cumulative bonus of 5% is added to the sum insured for every claim free year subject to a maximum of 50%

Icici Lombard General Insurance

A policy that takes care of the medical expenses while protecting the savings is the ICICI Lombard’s Critical Care Insurance Policy.

The FEATURES of this plan are as under:

· Benefit paid immediately on first diagnosis of the covered major critical illnesses/procedures

· Comprehensive cover and pure benefit policy offering lump sum amount equivalent to sum insured just on first diagnosis/undergoing any of the 9 major illnesses, accidental death, permanent total disablement due to an accident

· This policy offers a choice on coverage of sum insured and tenure of the policy

· Customized coverage can be chosen from Rs.3 lacs, Rs.6lacs and Rs.12 lacsof sum insured

· Policy duration can be chosen from 1 year/3 years/5 years

· Major medical illnesses and procedure cover to be covered subsequent to 90 days from the policy start date:

· Cancer

·  Coronary Artery Bypass Graft Surgery

· Heart attack

· End stage renal failure

· Major organ transplant

· Stroke

· Paralysis

· Heart valve replacement surgery

· Multiple sclerosis

· In case of Accidental death cover, the nominee is compensated with the sum insured

· In case of permanent and total loss of limbs and sight due to an accident, compensation is given as a lump sum benefit

The EXCLUSIONS to this policy are:

Exclusions for the first 90 days:

· Any illness contracted within 90 days from the inception of the policy

Treatments of the diseases/ailments/illnesses mentioned below:

· Cataract

· Benign prostatic hypertrophy

· Myomectomy, hysterectomy unless due to malignancy

· Hernia, hydrocele

· Fistula in anus, piles

· Arthritis, gout, rheumatism

· Joint replacement unless due to accident

· Sinusitis and related disorders

· Stone in the urinary and biliary systems

· Dilatation and curretage

· Skin and all internal tumors/nodules/cysts of any kind including breast lumps unless malignant, adenoids/hemorrhoids

· Dialysis required for chronical renal failure

· Surgery on tonsils, adenoids, sinusitis

· Gastric and duodenal ulcers

Major exclusions:

· Any pre-existing illness

· Absence of doctor’s medical certificate confirming the first diagnosis

· Any congenital illness or condition

· Any medical procedure that is not medically necessary

· Any physical or mental condition that is specifically excluded in the policy

· Treatment related to birth defects

· Birth control procedures and hormonal replacement therapy

· Any treatment/surgery for change of sex

ELIGIBILITY:

· The minimum entry age is 20 years

· The maximum entry age is 45 years

· Policy can be renewed up to 50 years of age

PREMIUMS:

Age group/policy tenure	SI 3L	SI 3L	SI 3L	SI 6L	SI 6L	SI 6L	SI 12L	SI 12L
	1 yr	3 yrs	5 yrs	1 yr	3 yrs	5 yrs	3 yrs	5 yrs
20 – 25	900/-	2850/-	4767/-	1800/-	5700/-	9533/-	11400/-	19065/-
26 – 30	990/-	3243/-	5553/-	1980/-	6486/-	11105/-	12972/-	22210/-
31 – 35	1230/-	4079/-	6880/-	2460/-	8157/-	13759/-	16314/-	27517/-
36 – 40	1470/-	5061/-	9041/-	2940/-	10122/-	18082/-	20244/-	36164/-
41 – 45	2670/-	10073/-	18770/-	5340/-	20146/-	37540/-	40292/-	75080/-
46 – 50	5160/-	18166/-	42311/-	10320/-	36333/-	58911/-	72666/-	117822/-

The premium amounts are inclusive of all taxes.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying this particular insurance policy from ICICI Lombard are:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· No health check up for policy issuance

· No survival period. Benefit paid immediately on first diagnosis of the covered disease

· Free health check up coupon with every renewal, which is more than one year tenure