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Health Guard Family Floater
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Synopsis:
Health Guard Policy is the perfect Health protection for you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious accident or illness.

Highlight:

  • All Day Care Procedures are covered.
  • No Medical tests up to 45 years.
  • Medical Expenses for Ayurvedic and Homeopathic treatment covered up to Rs. 20000/- per policy year.
  • No Sub-limits on hospitalization expenses and room rent.
  • Bariatric Surgery Cover up to Rs. 5 lacs after a waiting period of 36 months..
  • Life long policy renewal is available.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • Convalescence Benefit for 10 days hospitalisation, up to Rs. 7500 per policy year.
  • Daily cash benefit of Rs. 500/- will be payable for Accompanying an Insured Child.
  • Capping for Cataract 20% of sum insured, max up to 1lac.
Benefit:
Title Description
Room Rent Limit Silver Plan:Up to 1% of Sum Insured |Gold Plan and Platinum Plan:Sum Insured 3 lacs to 7.5 lacs- maximum eligible room is Single private Air Conditioned room,Sum Insured 10 Lacs and above - eligible for any room category
ICU Daily Rent Limit Silver Plan:Up to 1% of Sum Insured per day (Excluding Cumulative Bonus)|Gold Plan and Platinum Plan:If admitted in ICU, the Company will pay up to actual ICU expenses provided by Hospital
Pre-Hospitalization Expenses 60 days
Post Hospitalization Expenses 90 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage All procedures covered
Automatic Restoration of Sum Insured Recharge Benefit:- In event of claim amount exceeding the limit of indemnity, Sum Insured would be increased by 20% maximum up to 5 Lacs.
Pre-Existing Disease / Illness coverage After 36 months.
Waiting Period for New Policy 30 days
Co-Payment Voluntary co-Pay is available
Medical Screening Age 46 and Above
Free Health Checkup Silver Plan:-1% of SI up to Rs.2000 during the block of 3 years |Gold Plan:-1% of SI up to Rs.5000 during the block of 3 years|Platinum Plan:-1% of SI up to Rs.5000 during the block of 2 years
Ambulance Expenses Up to INR 20,000/- per policy year
Non-Allopathic Treatments Silver:-Not Covered |Gold And Platinum:-Up to INR 20,000/- per policy year
Daily Hospitalization Allowance Daily Cash Benefit of Rs. 500 per day maximum up to 10 days, in respect of one parent/legal guardian, to stay with any minor Insured (under the Age of 12)
Donor Expenses Covered
No Claim Bonus Up to 10 % of sum insured, Max 100 %, Super Cumulative Bonus 50% of base Sum Insured per annum for first 2 years and later 10% of base Sum Insured per annum for next 5 years max