Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan.
L&T Insurance presents myhealth medisure Classic Insurance, a meticulously designed insurance
solution that understands your family's unique health needs and provides you with a step-by-step
plan to ensure their complete well-being. Especially designed through a scientific process,
my:health plans enables you to quickly bounce back from a medical emergency so that you can
continue to spend and cherish your time with your loved ones.
Arogya Sanjeevani Policy From Future GeneraliColinGenerali
Arogya Sanjeevani Policy, Future Generali India insurance company limited is an affordable health insurance policy that covers the entire family. Secure your family with affordable health insurance policies.
Future Generali - WHAT IS HEALTH SUPER SAVER? ColinGenerali
Health Super Saver is a health insurance product with a unique benefit of 'Super Saver Discount'! Get 80% discount on your next premium for super saver a claim free year.
For more info visit us: https://general.futuregenerali.in/Health-Insurance/health-super-saver
The document describes the key features of a group mediclaim insurance policy for corporate clients. It covers medical expenses for employees, spouses, dependent children and parents as inpatients in hospitals in India. The policy provides coverage for room and board charges, surgery costs, diagnostic tests, medicines and other medical appliances. It also includes maternity coverage, pre-existing disease coverage after waiting periods, and day care treatments. Claims exceeding the sum insured can be paid through a corporate buffer.
Virginia Tech - New Employee Orientation - Health insurance Presentationvt-hr-service-center
The document provides information about health insurance coverage options for employees of the Department of Human Resources. It outlines the timeline for enrolling in a plan, qualifying life events for mid-year enrollment changes, details of the COVA Care, COVA HealthAware, and High Deductible Health Plans including deductibles, copays, prescription coverage, and buy-up options. It also reviews eligible dependents, preventative care benefits and the employee assistance program for behavioral health.
Health insurance of different companies Rajat Singla
Health insurance covers the costs of medical and surgical expenses for insured individuals. It protects people from high unexpected costs of healthcare. Health insurance makes quality treatment affordable and provides cashless services in over 4000 hospitals across India. It offers comprehensive hospitalization coverage, choice of sum insured from 3 lakhs to 50 lakhs, easy renewal, no co-payments or sub-limits on room rent. Common plan types include premium plans covering hospitalization and daycare procedures, and plans for students studying abroad or overseas medical coverage. To claim, insured individuals get admitted to a networked hospital, obtain bills, fill a claim form and submit for reimbursement.
5. health suraksha gold plan regain and ecbArmeel HDFC
HDFC ERGO brings to you Health Suraksha, a unique health insurance plan that provides optimum health coverage at an affordable price. It covers hospitalisation due to illness or accident as well as pre and post-hospitalisation expenses. You get a renewal bonus for each claim-free year and there is no limit on room rent, hospital charges or doctor fees for any disease.
L&T Insurance presents myhealth medisure Classic Insurance, a meticulously designed insurance
solution that understands your family's unique health needs and provides you with a step-by-step
plan to ensure their complete well-being. Especially designed through a scientific process,
my:health plans enables you to quickly bounce back from a medical emergency so that you can
continue to spend and cherish your time with your loved ones.
Arogya Sanjeevani Policy From Future GeneraliColinGenerali
Arogya Sanjeevani Policy, Future Generali India insurance company limited is an affordable health insurance policy that covers the entire family. Secure your family with affordable health insurance policies.
Future Generali - WHAT IS HEALTH SUPER SAVER? ColinGenerali
Health Super Saver is a health insurance product with a unique benefit of 'Super Saver Discount'! Get 80% discount on your next premium for super saver a claim free year.
For more info visit us: https://general.futuregenerali.in/Health-Insurance/health-super-saver
The document describes the key features of a group mediclaim insurance policy for corporate clients. It covers medical expenses for employees, spouses, dependent children and parents as inpatients in hospitals in India. The policy provides coverage for room and board charges, surgery costs, diagnostic tests, medicines and other medical appliances. It also includes maternity coverage, pre-existing disease coverage after waiting periods, and day care treatments. Claims exceeding the sum insured can be paid through a corporate buffer.
Virginia Tech - New Employee Orientation - Health insurance Presentationvt-hr-service-center
The document provides information about health insurance coverage options for employees of the Department of Human Resources. It outlines the timeline for enrolling in a plan, qualifying life events for mid-year enrollment changes, details of the COVA Care, COVA HealthAware, and High Deductible Health Plans including deductibles, copays, prescription coverage, and buy-up options. It also reviews eligible dependents, preventative care benefits and the employee assistance program for behavioral health.
Health insurance of different companies Rajat Singla
Health insurance covers the costs of medical and surgical expenses for insured individuals. It protects people from high unexpected costs of healthcare. Health insurance makes quality treatment affordable and provides cashless services in over 4000 hospitals across India. It offers comprehensive hospitalization coverage, choice of sum insured from 3 lakhs to 50 lakhs, easy renewal, no co-payments or sub-limits on room rent. Common plan types include premium plans covering hospitalization and daycare procedures, and plans for students studying abroad or overseas medical coverage. To claim, insured individuals get admitted to a networked hospital, obtain bills, fill a claim form and submit for reimbursement.
5. health suraksha gold plan regain and ecbArmeel HDFC
HDFC ERGO brings to you Health Suraksha, a unique health insurance plan that provides optimum health coverage at an affordable price. It covers hospitalisation due to illness or accident as well as pre and post-hospitalisation expenses. You get a renewal bonus for each claim-free year and there is no limit on room rent, hospital charges or doctor fees for any disease.
This document summarizes the key details of a health insurance policy from Bajaj Allianz General Insurance Company. The policy provides:
1) Coverage for medical expenses incurred due to illness or accident for hospitalization of the insured or their family members. It also covers ambulance expenses up to Rs. 1000 per hospitalization.
2) A free medical checkup for insureds who have maintained the policy for 4 continuous years without making a claim.
3) Definitions of terms used in the policy like hospitalization, illness, accident, etc.
4) Exceptions to the coverage including pre-existing diseases, cosmetic treatments, infertility treatment, and expenses not requiring hospitalization.
The document provides details about the group medical insurance program for employees of Hinduja Health Care Ltd. including benefit details, policy parameters, applicable members, policy period, standardized hospitalization coverage, maternity benefits, pre-and-post hospitalization expenses, pre-existing diseases coverage, customized benefits, general exclusions, enrollment process, and cashless hospitalization process. The insurance scheme is intended to provide insurance coverage for medical expenses related to hospitalization of Hinduja Health Care employees and dependents.
Bajaj Allianz Extra Care Plus is a unique health insurance plan that allows you to extend your existing health insurance cover, in case you exhaust the limit of your regular health insurance policy
Group Insurance Schemes/ Insurance Proposal for Female Garment Worker - Karna...Jaswanth Singh G
The document discusses a proposed group insurance scheme for women garment workers in Karnataka that would be administered by the Karnataka Labour Welfare Board. The scheme would provide health insurance covering hospitalization expenses, maternity benefits, pre-existing conditions, and more. It would also provide group personal accident insurance covering accidental death, permanent disability, ambulance charges, education benefits, and other scenarios. The scheme aims to improve health and welfare protections for vulnerable women workers in the state.
The document provides information about the Reliance HealthWise Policy. It summarizes how to obtain the policy, claim insurance, and key policy features. For persons under 45, one needs to fill a proposal form and pay the premium to the insurance advisor to obtain the policy. Those over 45 must undergo a medical test. The policy covers hospitalization expenses, day care treatments, pre and post hospitalization costs, and offers a cashless facility at networked hospitals. It also provides value added benefits like discounts on renewal and cost of health checkups. Certain diseases and treatments are excluded from coverage.
This policy provides a top-up health insurance plan that can be purchased with or without an existing base health plan. It covers expenses exceeding the sum insured of the base plan. Key features include coverage for pre-existing diseases after 12 months, maternity benefits, inpatient and daycare treatments, ambulance costs, and tax benefits. Claims are paid over the aggregate deductible amount selected, which the insured pays initially each year before insurer pays remaining claims. Optional air ambulance coverage is also available. Exclusions include experimental treatments, obesity treatment, mental illness, dental treatments, and costs not covered in the policy document.
This document provides information on health insurance plans from Easy Health insurance. It discusses:
1) The current growth rate of the healthcare industry in India and estimated future size.
2) Types of individual and family floater health insurance plans available, eligibility criteria, and sum insured options.
3) Key benefits covered by Easy Health plans including hospitalization expenses, pre/post hospitalization, day care procedures, domiciliary treatment, and more.
4) Details on the restore benefit feature which reinstates the sum insured if exhausted during a policy year.
5) Advantages of Easy Health plans compared to traditional plans, including expanded coverage for illnesses from the restored sum insured.
This document provides an overview of health insurance. It defines health insurance as insurance that covers medical and surgical expenses. It explains why health insurance is needed to protect against high, unexpected medical costs and make quality treatment affordable. It then describes different types of health insurance plans including HMOs, PPOs, and high-deductible plans. The document provides steps for obtaining health insurance, filing claims, and surrendering a policy. It also outlines advantages and disadvantages of health insurance as well as tips to avoid health insurance scams.
Bajaj Allianz's Health Guard is designed to suit all your health care needs. It takes care of the medical
treatment expenses incurred during hospitalization resulting from serious illness or accident.
Kaiser International Healthgroup, Inc. is a registered health care provider in the Philippines that offers various HMO plans to both corporate and individual customers. It is led by an experienced board of directors in the medical field. The company's flagship product is the Premium Healthcare Builder Plan, a long-term savings plan that provides health care coverage for up to 20 years in the future. Key benefits include annual health checks, dental coverage, hospitalization coverage, and a lump sum payout or lifetime health benefits depending on the plan chosen.
This document provides information on individual medical insurance plans offered by Jubilee Insurance in Kenya. It outlines the following key details:
1. Jubilee Insurance has been operating in Kenya since 1937 and currently offers 5 different medical insurance plans (Classic, Premier, Advanced, Executive, Royal) with varying annual benefit limits and coverage options.
2. The plans provide inpatient, outpatient, maternity, dental and optical benefits. Inpatient benefits include coverage for hospitalization costs. Outpatient options provide coverage for consultations and treatment not requiring hospitalization.
3. The document provides a detailed breakdown of benefits covered under each plan as well as exclusions, conditions for coverage and how to apply. It is intended
This document provides information on health insurance plans, including:
- The healthcare sector in India is expected to grow at 16% annually until 2020, reaching $280 billion.
- It describes individual and family floater health insurance plans. Family floater plans allow an entire family to be covered under one policy.
- The benefits included in health insurance plans are inpatient treatment, pre-hospitalization, post-hospitalization, day care procedures, and more. Plans also provide benefits like e-opinion on critical illnesses.
- Restoring the sum insured allows full coverage for claims from unrelated illnesses in the same policy year. This is a key advantage over traditional health insurance plans.
Family health-optima-star health insurance coimbatore 9865146295R KARTHIKEYAN
This document summarizes the key benefits of a Family Health Optima insurance plan. It provides:
1) Coverage for the entire family under a single sum insured with extra benefits and considerable savings on premiums.
2) In-patient hospitalization coverage including room rent, surgeries, and other medical expenses. It also covers pre-and post-hospitalization expenses.
3) Additional benefits like coverage for newborn babies, emergency evacuation, repatriation of remains, and health check-ups up to certain limits.
Kanoe India Healthcare, A division Of Kanoe Softwares proposes a special Medical insurance plan sponsored by Universal Sompo General insurance Co. Limited in joint venture with Allahabad Bank Limited, Indian Overseas Bank, Karnataka Bank Limited, Dabur Investments Corp and Sompo Japan Insurance Incorporation in Public Private Partnership (PPP), aiming to provide assurance of Government/Public sector and superb, hassle free service from private bodies.
Health care supreme is a comprehensive health insurance plan that offers health cover ranging from Rs.5 lac to Rs.50 lac on individual and floater basis. Learn More.
Assure is a comprehensive health insurance coverage plan from Religare Health Insurance. It covers Critical Illness, Surgical Procedures, Medical Events as well as give Personal accident cover.
This document outlines the details of an employee group health insurance scheme, including:
1) Coverage amounts for natural death, accidental death, and permanent disability ranging from Rs. 15 lacs to Rs. 100 lacs depending on the employee's role.
2) Eligibility requirements, premium payment structure, claim settlement process, and exclusions from coverage such as pre-existing conditions or HIV/AIDS.
3) Benefit limits for in-patient hospital expenses including room rent, ICU costs, and other treatment, with higher limits for more senior employees.
More Health Insurance Policy Wording by Reliance Health Insurance. MORE as a product primarily aims in making make health insurance Easy-to-choose, Easy-to-buy and Easy-to-use.
Buy here: https://www.reliancehealthinsurance.com/buy-health-insurance-plans-online.html
L&T Insurance introduces my:health Medisure Classic Insurance, a health insurance plan that covers hospitalization expenses and other medical costs. Key features include coverage for hospital room rent, surgery, medicines and more. It also covers pre-and post-hospitalization costs, day care procedures, domiciliary hospitalization, and maternity expenses. Customers can avail of optional covers like critical illness insurance. The plan offers lifelong renewability, tax benefits, and covers the proposer, spouse, children and parents.
The document describes LIC's Jeevan Arogya health insurance plan. It provides health insurance coverage against specified health risks and helps financially in medical emergencies. The plan offers valuable financial protection for hospitalization, surgery, and increasing health coverage annually. Policyholders can choose their health coverage level between Rs. 1,000-4,000 per day and insure themselves, spouse, children, parents, and parents-in-law under one policy from age 18-75. The plan provides benefits like hospital cash, surgical coverage, day care procedures, ambulance costs, and premium waivers.
This document summarizes the key details of a health insurance policy from Bajaj Allianz General Insurance Company. The policy provides:
1) Coverage for medical expenses incurred due to illness or accident for hospitalization of the insured or their family members. It also covers ambulance expenses up to Rs. 1000 per hospitalization.
2) A free medical checkup for insureds who have maintained the policy for 4 continuous years without making a claim.
3) Definitions of terms used in the policy like hospitalization, illness, accident, etc.
4) Exceptions to the coverage including pre-existing diseases, cosmetic treatments, infertility treatment, and expenses not requiring hospitalization.
The document provides details about the group medical insurance program for employees of Hinduja Health Care Ltd. including benefit details, policy parameters, applicable members, policy period, standardized hospitalization coverage, maternity benefits, pre-and-post hospitalization expenses, pre-existing diseases coverage, customized benefits, general exclusions, enrollment process, and cashless hospitalization process. The insurance scheme is intended to provide insurance coverage for medical expenses related to hospitalization of Hinduja Health Care employees and dependents.
Bajaj Allianz Extra Care Plus is a unique health insurance plan that allows you to extend your existing health insurance cover, in case you exhaust the limit of your regular health insurance policy
Group Insurance Schemes/ Insurance Proposal for Female Garment Worker - Karna...Jaswanth Singh G
The document discusses a proposed group insurance scheme for women garment workers in Karnataka that would be administered by the Karnataka Labour Welfare Board. The scheme would provide health insurance covering hospitalization expenses, maternity benefits, pre-existing conditions, and more. It would also provide group personal accident insurance covering accidental death, permanent disability, ambulance charges, education benefits, and other scenarios. The scheme aims to improve health and welfare protections for vulnerable women workers in the state.
The document provides information about the Reliance HealthWise Policy. It summarizes how to obtain the policy, claim insurance, and key policy features. For persons under 45, one needs to fill a proposal form and pay the premium to the insurance advisor to obtain the policy. Those over 45 must undergo a medical test. The policy covers hospitalization expenses, day care treatments, pre and post hospitalization costs, and offers a cashless facility at networked hospitals. It also provides value added benefits like discounts on renewal and cost of health checkups. Certain diseases and treatments are excluded from coverage.
This policy provides a top-up health insurance plan that can be purchased with or without an existing base health plan. It covers expenses exceeding the sum insured of the base plan. Key features include coverage for pre-existing diseases after 12 months, maternity benefits, inpatient and daycare treatments, ambulance costs, and tax benefits. Claims are paid over the aggregate deductible amount selected, which the insured pays initially each year before insurer pays remaining claims. Optional air ambulance coverage is also available. Exclusions include experimental treatments, obesity treatment, mental illness, dental treatments, and costs not covered in the policy document.
This document provides information on health insurance plans from Easy Health insurance. It discusses:
1) The current growth rate of the healthcare industry in India and estimated future size.
2) Types of individual and family floater health insurance plans available, eligibility criteria, and sum insured options.
3) Key benefits covered by Easy Health plans including hospitalization expenses, pre/post hospitalization, day care procedures, domiciliary treatment, and more.
4) Details on the restore benefit feature which reinstates the sum insured if exhausted during a policy year.
5) Advantages of Easy Health plans compared to traditional plans, including expanded coverage for illnesses from the restored sum insured.
This document provides an overview of health insurance. It defines health insurance as insurance that covers medical and surgical expenses. It explains why health insurance is needed to protect against high, unexpected medical costs and make quality treatment affordable. It then describes different types of health insurance plans including HMOs, PPOs, and high-deductible plans. The document provides steps for obtaining health insurance, filing claims, and surrendering a policy. It also outlines advantages and disadvantages of health insurance as well as tips to avoid health insurance scams.
Bajaj Allianz's Health Guard is designed to suit all your health care needs. It takes care of the medical
treatment expenses incurred during hospitalization resulting from serious illness or accident.
Kaiser International Healthgroup, Inc. is a registered health care provider in the Philippines that offers various HMO plans to both corporate and individual customers. It is led by an experienced board of directors in the medical field. The company's flagship product is the Premium Healthcare Builder Plan, a long-term savings plan that provides health care coverage for up to 20 years in the future. Key benefits include annual health checks, dental coverage, hospitalization coverage, and a lump sum payout or lifetime health benefits depending on the plan chosen.
This document provides information on individual medical insurance plans offered by Jubilee Insurance in Kenya. It outlines the following key details:
1. Jubilee Insurance has been operating in Kenya since 1937 and currently offers 5 different medical insurance plans (Classic, Premier, Advanced, Executive, Royal) with varying annual benefit limits and coverage options.
2. The plans provide inpatient, outpatient, maternity, dental and optical benefits. Inpatient benefits include coverage for hospitalization costs. Outpatient options provide coverage for consultations and treatment not requiring hospitalization.
3. The document provides a detailed breakdown of benefits covered under each plan as well as exclusions, conditions for coverage and how to apply. It is intended
This document provides information on health insurance plans, including:
- The healthcare sector in India is expected to grow at 16% annually until 2020, reaching $280 billion.
- It describes individual and family floater health insurance plans. Family floater plans allow an entire family to be covered under one policy.
- The benefits included in health insurance plans are inpatient treatment, pre-hospitalization, post-hospitalization, day care procedures, and more. Plans also provide benefits like e-opinion on critical illnesses.
- Restoring the sum insured allows full coverage for claims from unrelated illnesses in the same policy year. This is a key advantage over traditional health insurance plans.
Family health-optima-star health insurance coimbatore 9865146295R KARTHIKEYAN
This document summarizes the key benefits of a Family Health Optima insurance plan. It provides:
1) Coverage for the entire family under a single sum insured with extra benefits and considerable savings on premiums.
2) In-patient hospitalization coverage including room rent, surgeries, and other medical expenses. It also covers pre-and post-hospitalization expenses.
3) Additional benefits like coverage for newborn babies, emergency evacuation, repatriation of remains, and health check-ups up to certain limits.
Kanoe India Healthcare, A division Of Kanoe Softwares proposes a special Medical insurance plan sponsored by Universal Sompo General insurance Co. Limited in joint venture with Allahabad Bank Limited, Indian Overseas Bank, Karnataka Bank Limited, Dabur Investments Corp and Sompo Japan Insurance Incorporation in Public Private Partnership (PPP), aiming to provide assurance of Government/Public sector and superb, hassle free service from private bodies.
Health care supreme is a comprehensive health insurance plan that offers health cover ranging from Rs.5 lac to Rs.50 lac on individual and floater basis. Learn More.
Assure is a comprehensive health insurance coverage plan from Religare Health Insurance. It covers Critical Illness, Surgical Procedures, Medical Events as well as give Personal accident cover.
This document outlines the details of an employee group health insurance scheme, including:
1) Coverage amounts for natural death, accidental death, and permanent disability ranging from Rs. 15 lacs to Rs. 100 lacs depending on the employee's role.
2) Eligibility requirements, premium payment structure, claim settlement process, and exclusions from coverage such as pre-existing conditions or HIV/AIDS.
3) Benefit limits for in-patient hospital expenses including room rent, ICU costs, and other treatment, with higher limits for more senior employees.
More Health Insurance Policy Wording by Reliance Health Insurance. MORE as a product primarily aims in making make health insurance Easy-to-choose, Easy-to-buy and Easy-to-use.
Buy here: https://www.reliancehealthinsurance.com/buy-health-insurance-plans-online.html
L&T Insurance introduces my:health Medisure Classic Insurance, a health insurance plan that covers hospitalization expenses and other medical costs. Key features include coverage for hospital room rent, surgery, medicines and more. It also covers pre-and post-hospitalization costs, day care procedures, domiciliary hospitalization, and maternity expenses. Customers can avail of optional covers like critical illness insurance. The plan offers lifelong renewability, tax benefits, and covers the proposer, spouse, children and parents.
The document describes LIC's Jeevan Arogya health insurance plan. It provides health insurance coverage against specified health risks and helps financially in medical emergencies. The plan offers valuable financial protection for hospitalization, surgery, and increasing health coverage annually. Policyholders can choose their health coverage level between Rs. 1,000-4,000 per day and insure themselves, spouse, children, parents, and parents-in-law under one policy from age 18-75. The plan provides benefits like hospital cash, surgical coverage, day care procedures, ambulance costs, and premium waivers.
Dear all,
I am excited to present my project, which is a comprehensive analysis based on the book "What Every Indian Must Know Before Investing" by Vinod. The main focus of my presentation revolves around health insurance. Through an in-depth study of the book, I gained valuable insights into the structure of health insurance and the essential factors that investors must consider to identify the most suitable options from the wide array of insurance available.
Drawing from my understanding, I have carefully curated the most crucial points and endeavored to present the content in a simplified and easily understandable manner. It is important to note that I have omitted the tax benefits sections for now, but I may incorporate them at a later stage.
I genuinely hope that this presentation, along with the book, proves to be as helpful to you as it was to me in navigating the complexities of health insurance as an investor.
Thank you for your attention and consideration.
This document summarizes a health insurance plan called HDFC Life Health Assure. It offers benefits like inpatient hospitalization coverage, day care procedures, pre and post hospitalization coverage, ambulance coverage, and more. Policyholders can choose between individual or family floater plans, silver or gold plan options, and sums insured ranging from Rs. 3-10 lakhs. The plan provides additional benefits like multiplier increases to coverage amounts for claim-free years and restore benefits that replenish coverage amounts. It allows flexibility to add or remove family members and make policy alterations over time.
Insurance products 2 ( General Insurance)Rohit Kumar
General Insurance refers to non-life insurance that covers risks other than death, such as home, auto, commercial risks. It is also called property and casualty insurance. General insurance policies are formed through an offer and acceptance process, where the insured pays a premium in exchange for the insurer's promise to provide indemnity. Common types of general insurance include health, liability, motor, marine, and property insurance. Health insurance covers medical costs, while liability insurance covers legal responsibilities. Motor insurance covers car risks, and marine insurance covers shipments. Property insurance protects homes and possessions.
This Insurance Policy provides a comprehensive protection and is specifically designed to guard you and your family against the trauma you face for repayment of your loan in the event of unfortunate incidences.
1) Apollo Munich Health Insurance introduces a new health insurance plan called OptimaRESTORE that provides unique restore and multiplier benefits.
2) The restore benefit automatically reinstates the basic sum insured if it is exhausted during the policy year, allowing coverage of additional illnesses.
3) The multiplier benefit increases the basic sum insured by 50% each claim-free year, up to 100% more coverage at no extra cost.
The document provides details about the group health insurance program offered by Cactus Communications Pvt Ltd to its employees. It summarizes the key benefits of the insurance including family floater coverage of Rs. 4 lakhs, pre-existing ailment coverage from day one, waived waiting periods, maternity benefits, and cashless coverage at network hospitals. It also outlines the claims process, list of documents required for claims, and common exclusions under the policy. Frequently asked questions are answered to help employees better understand the scope of coverage offered by the insurance.
The Optima Restore health insurance plan from HDFC Ergo offers comprehensive coverage for individuals and families. Key benefits include coverage for hospitalization, daycare procedures, domiciliary treatment, organ donor expenses, and restoration of the full sum insured amount if it is exhausted during the policy year. Customers can choose a basic sum insured ranging from Rs. 5 lakh to Rs. 50 lakh. Additional benefits include a multiplier bonus for claim-free years, cashless coverage at over 10,000 hospitals nationwide, and health checkups on renewal.
Future Generali Health Elite - A Plan That Covers You GloballyColinGenerali
FG Health Elite is a health insurance plan that provides global medical coverage for specific illnesses up to ₹6 crores sum insured. It offers comprehensive coverage including OPD treatment, home visits, air ambulance, and mental health coverage. Insured individuals can earn wellness rewards points by engaging in healthy activities which can be used to claim benefits or receive discounts on premiums. The plan provides lifelong renewability subject to payment of premiums.
The document promotes a health insurance product called "Health Wallet" as a revolutionary product that ensures customers get comprehensive healthcare coverage and savings benefits. Health Wallet provides insurance for both inpatient and outpatient expenses, allows savings to grow over time, covers future health needs, and has additional benefits like critical illness coverage and tax benefits. It is positioned as a better option than traditional health insurance by providing ongoing returns and coverage for healthy individuals.
Explore the ManipalCigna Lifestyle Protection - Critical Care Prospectus to understand the features and coverage options of the Critical Illness Insurance Policy. Choose between Basic and Enhanced plans offering coverage for a range of critical illnesses, including cancer, heart attack, stroke, organ failure, and more.
This document summarizes the key features of the Star Super Surplus Insurance Policy. It is a health insurance policy available to individuals aged 5 months to 60 years. It provides coverage for hospitalization expenses starting from Rs. 300,000/500,000 deductible depending on the sum insured of Rs. 700,000/1,000,000 respectively. The policy covers expenses for illness, accidents, and certain pre-existing diseases after continuous renewal for 3 years. It also provides options for individual and family floater policies with a maximum family size of 2 adults and 2 children.
This document summarizes the key features of the Star Super Surplus Insurance Policy. It is a health insurance policy available to individuals aged 5 months to 60 years. It provides coverage for hospitalization expenses starting from Rs. 300,000/500,000 deductible amounts. The policy covers room rent up to Rs. 4,000 per day with no cap on ICU or medical costs. Pre-existing diseases are covered after 3 years of continuous renewal. Customers have the option to choose individual or family floater policies with sums insured of Rs. 7,00,000 or Rs. 10,00,000 and deductibles of Rs. 300,000 or Rs. 500,000.
Health insurance policies provide coverage for medical expenses incurred during hospitalization. They typically cover costs associated with room and board, nursing care, surgeon fees, and other medical costs, up to the specified sum insured. Insurance companies have networks of hospitals where policyholders can receive cashless treatment and the insurance company will directly pay the hospital bills. Common types of health insurance in India include employer-provided plans, government schemes like ESI and CGHS, community-based and rural health insurance, and individual and family floater policies.
Pet Dog Health Insurance - Comprehensive Coverage for Your Furry FriendColinGenerali
Ensure your pet dog's well-being with our comprehensive health insurance. Get coverage for medical expenses, vet visits, and more. Keep your furry friend happy and healthy
FG Health Absolute - Comprehensive Health Insurance Plan - Future GeneraliColinGenerali
hospitalization and also offers a wide range of benefits like annual health check-ups, consultations regarding mental health, guiding you towards a healthier lifestyle and also rewarding you for it.
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Buy Future Advantage Top-up Medical Insurance OnlineColinGenerali
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options that provide extra coverage at a low premium compared to any traditional health insurance plan.
Visit Future Generali to know more.
Future Generali Dog Health Cover - Mischievous. Notorious. Playful - We Prote...ColinGenerali
With Future Generali Dog Health Cover, you can have peace of mind knowing that you can give your pet dog the medical attention they need, without worrying about the costs. So, let’s keep those tails wagging
and those barks coming, while we take care of the rest!
Top-up Health Insurance: Buy Future Advantage Top-up Medical Insurance Online ColinGenerali
Top-Up Health Insurance: Buy and Renew Top Up Mediclaim Policy with Future Generali and get Pre-Hospitalisation Medical Expenses and Room Rent covered. ✓ Floater Benefit ✓ Cumulative Bonus. Visit Now!
D.I.Y Health Insurance - Build Your Health Plan, Your Way - Future Generali -...ColinGenerali
Imagine a health insurance plan that only has the benefits and coverage that you prefer, and you only pay for the coverage you want. With D.I.Y Health, this is exactly what you get. Customize your health insurance just the way you want and secure your and your family's physical, mental, and financial well-being.
Future Advantage Top - Up - Give Your Health Insurance A Backup PlanColinGenerali
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan. In this plan you have an option to choose the deductible which can be managed either by self-pay or any other insurance and also choose the optimum Sum Insured to take care of your health care.
Unlike many top up plans, you do not have to cross the deductible limit at every claims incidence. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period
Cover for Sports - A Policy That Takes Care of Expenses Due to Injuries From ...ColinGenerali
This document summarizes the key details of the Future Generali's Cover for Sports insurance policy. The policy provides accident insurance coverage for injuries sustained from participating in various sports and adventure activities. It covers expenses for accidental death, disabilities, medical treatment and hospitalization due to accidents. Additional optional covers include broken bones, ambulance services, and coverage for adventure sports. The premium rates vary based on the insured's occupation classification and risk level.
Accident Suraksha - A Policy That Takes Care of Your Personal Accident ExpensesColinGenerali
Accidents can happen to anyone, anywhere. They come unasked for and leave an “imprint” on lives for years to come. The value of human life and sufferings cannot be measured with money, but with a view to provide some relief to the injured person or members of his family in the event of an unfortunate accident, an insurance cover, known
as “Accident Suraksha” was designed.
Future Varishta Bima for Senior Citizen From Future GeneraliColinGenerali
A special policy designed to cover the medical costs of your parents will be of great help. The plan will cover all substantial financial needs related to health issues that arise in old age. Enjoy Every Moment of your Senior Citizenship with Future Generali.
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan. In this plan you have an option to choose the deductible which can be managed either by self-pay or any other insurance and also choose the optimum Sum Insured to take care of your health care.
Future Health Suraksha From Future Generali ColinGenerali
Your health is your most important asset and with Future Health Suraksha, we ensure that you will never have to go too far to protect it. Our network of hospitals across the nation will handle any medical problem that arises. Itu2019s our way of protecting you even against the unpredictable.
Can coffee help me lose weight? Yes, 25,422 users in the USA use it for that ...nirahealhty
The South Beach Coffee Java Diet is a variation of the popular South Beach Diet, which was developed by cardiologist Dr. Arthur Agatston. The original South Beach Diet focuses on consuming lean proteins, healthy fats, and low-glycemic index carbohydrates. The South Beach Coffee Java Diet adds the element of coffee, specifically caffeine, to enhance weight loss and improve energy levels.
KEY Points of Leicester travel clinic In London doc.docxNX Healthcare
In order to protect visitors' safety and wellbeing, Travel Clinic Leicester offers a wide range of travel-related health treatments, including individualized counseling and vaccines. Our team of medical experts specializes in getting people ready for international travel, with a particular emphasis on vaccines and health consultations to prevent travel-related illnesses. We provide a range of travel-related services, such as health concerns unique to a trip, prevention of malaria, and travel-related medical supplies. Our clinic is dedicated to providing top-notch care, keeping abreast of the most recent recommendations for vaccinations and travel health precautions. The goal of Travel Clinic Leicester is to keep you safe and well-rested no matter what kind of travel you choose—business, pleasure, or adventure.
Michigan HealthTech Market Map 2024. Includes 7 categories: Policy Makers, Academic Innovation Centers, Digital Health Providers, Healthcare Providers, Payers / Insurance, Device Companies, Life Science Companies, Innovation Accelerators. Developed by the Michigan-Israel Business Accelerator
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This slide is very helpful for physiotherapy students and also for other medical and healthcare students.
Here is the summary of hypotension:
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Understanding Nutrition Labels: Teaches how to read and interpret food labels, focusing on serving sizes, calorie intake, and nutrients to limit or include.
Tips for Healthy Eating: Offers practical advice such as incorporating a variety of foods, practicing moderation, staying hydrated, and eating mindfully.
Benefits of Regular Exercise:
Physical Benefits: Discusses how exercise aids in weight management, muscle and bone health, cardiovascular health, and flexibility.
Mental Benefits: Explains the psychological advantages, including stress reduction, improved mood, and better sleep.
Tips for Staying Active:
Encourages consistency, variety in exercises, setting realistic goals, and finding enjoyable activities to maintain motivation.
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Integrating Nutrition and Exercise: Suggests meal planning and incorporating physical activity into daily routines.
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Future Advantage Top-Up - Give Your Health Insurance A Backup Plan From Future Generali
1.
2. What is Future Advantage Top-Up?
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low
premium as compared to any traditional health insurance plan. In this plan you have an option to choose the deductible which can
be managed either by self-pay or any other insurance and also choose the optimum Sum Insured to take care of your health care.
Unlike many top up plans, you do not have to cross the deductible limit at every claims incidence. The deductible will apply on
aggregate basis towards hospitalisation expenses incurred during the policy period
What is Deductible?
Deductible means a cost sharing requirement under a health insurance policy where the insurance company will not be liable for
eligible medical expenses up to a specified rupee amount, that incur in a policy period, as opted i.e. it is the amount up to which the
insurance company will not pay for all the claims incurred in a policy year under the policy
• The Deductible will apply on Individual basis in case of Individual Policy and on Floater basis in case of Family
Floater Policy.
• A Deductible does not reduce the Sum Insured.
We will only be liable for payment of the Medical Expenses that exceed the Deductible amount selected by you and stated in the
Policy Schedule maximum up to the sum insured
For the purpose of calculation of the Deductible per hospitalisation any expenses incurred on room rent, nursing expenses, ICU
Charges, surgeon’s, anaesthetist’s, Medical Practitioner’s, consultant’s and specialist’s fees, anaesthesia, blood, oxygen,
Operation theatre charges, surgical appliances, Medicines and Drugs, Diagnostic Materials and X-ray, cost of Pacemaker and
similar expenses, Pre- hospitalisation Medical Expenses, Post- hospitalisation Medical Expenses and Ambulance charges will be
taken into account. Further, the non-payable items are not considered for the calculation of the Deductible.
The deductible will be applicable on aggregate basis
Example of Deductible:
Insured A has policy (Policy Period - 1st Jan 2018 to 31st Dec 2018)
Scenario 1 Scenario 2 Scenario 3
Sum Insured 5,00,000 5,00,000 5,00,000
Deductible 1,00,000 2,00,000 3,00,000
*Claim 1 75,000 1,00,000 1,00,000
*Claim 2 1,25,000
(Claim is for the same illness within 45 days)
1,25,000 1,50,000
*Claim 3 1,00,000
(Claim is for ailment falling in 2 years waiting period)
1,00,000 50,000
*Claim 4 1,00,000 5,00,000 1,00,000
Payable Amount for Claim 1 Nil Nil Nil
Payable Amount for Claim 2 1,00,000 25,000 Nil
Payable Amount for Claim 3 Nil
As there is waiting period of 2 years
1,00,000 Nil
3. Payable Amount for Claim 4 1,00,000 3,75,000 1,00,000
Remaining Sum Insured 3,00,000 Nil 4,00,000
*Eligible claim amount
Schedule of Benefits
Future Advantage Top-Up
Options Individual/ Family Floater Basis
Family
Definitions
Features Policy Term 1 Year /2 Years/3 Years
Minimum age of entry Day 1
Maximum age of entry Life long
Renewal Life long
Sum Insured (o)
Deductible (o)
Plans Supreme Plan ,Elite Plan
Coverage a) Supreme Plan – includes cover for all ailments including Heart related conditions and Cancer
b) Elite Plan – includes cover for Cancer and ailments related to Heart only.
Inpatient
Hospitalization
Covered
Pre-Hospitalisation 60 days
Post-Hospitalisation 90 days
Day care Procedures Covered
Alternative treatments Ayurveda, Unani, Siddha, Homeopathy is covered after a continuous coverage of 2 years
Organ Donor Only hospitalisation expenses are covered after 2 years (excluding donor screening charges and pre
and post hospitalisation)
Individual a. S b. Sp c. C d. P
Family Floater* a. S+Sp b. S+Sp+1C c. S+Sp+2C d. S+Sp+3C
e. S/Sp+1C f. S/Sp+2C g. S/Sp+3C h. S+Sp+5C
Where, S – Self, Sp – Spouse, C – Dependent Child(ren) (Unmarried and up to the age of 25 years),
P – Dependent Parent(s)
* Family floater means the sum insured shall be floating over the insured members
0.5 L 1 L 1.5 L 2 L 3 L 5 L 7.5 L 10 L 15 L 20 L 25 L 30 L 40 L 50 L 100 L
0.5 L 0.5 L,
1L
0.5 L 0.5 L,
1L,
2L
0.5 L,
1L,
2L,
3L
0.5 L,
1L,
2L,
3L,
4L,
5L
2L,
3L,
4L,
5L,
7.5L
2L,
3L,
4L,
5L,
7.5L,
10L
2L,
3L,
4L,
5L,
7.5L,
10L,
15L
2L,
3L,
4L,
5L,
7.5L,
10L,
15L,
20L
2L,
3L,
4L,
5L,
7.5L,
10L,
15L,
20L
5L,
7.5L,
10L,
15L,
20L,
30L
5L,
7.5L,
10L,
15L,
20L,
30L,
40L
5L,
7.5L,
10L,
15L,
20L,
30L,
40L
5L,
7.5L,
10L,
15L,
20L,
30L,
40L
4. 30 Days Waiting
Period
Applicable
2 Years Waiting
Period
Applicable for specific illness or procedures:
Internal Congenital Anomalies, Benign Prostatic Hypertrophy, dysfunctional uterine bleeding,
Fibromyoma, Endometriosis, Hysterectomy, all internal or external tumors/ cysts/ nodules/ polyps of
any kind including breast lumps with exception of malignant tumor or growth, Surgery for prolapsed
inter vertebral disc unless arising from Accident, any types of gastric or duodenal ulcers, stones in
the urinary and biliary systems, Surgery on ears. Organ transplant, Rheumatoid Arthritis, Gout, joint
replacement Surgery due to degenerative condition, Age related Osteoarthritis and Osteoporosis
unless such joint replacement Surgery is medically necessary due to Injury
Pre-existing Waiting
Period
2 years
Mental Illness or
Psychiatric Illness
Waiting Period
4 years
Behavioural and
Neuro developmental
disorders Waiting
Period
4 years
HIV/AIDS Waiting
Period
4 years
Emergency
Ambulance
Covered - up to Rs. 2000 per hospitalisation
Waiver of Deductible Available
Cumulative bonus 10% for every claim free years to maximum up to 50%
Pre-insurance
medical examination
On the basis of adverse medical declarations in the proposal form, age of member, sum insured and
deductible opted, through empaneled Diagnostic centres only with the validity of 30 days from the
date of test conducted. 100% reimbursement of pre-insurance medical tests charges, subject to
policy issuance and 64 VB compliance.
Underwriting loading of premium will be applicable on the particular Insured’s premium in case of
Individual policy and Floater policy.
Family discount 10% is applicable in case two or more family members are covered with individual sum insured basis
in the same policy except for the policy with coverage for one adult with one or more children, the
family discount shall be on basis of age of the Adult as per below table:
Family Discount (Individual policies)
Age Bands Discount
<=70 10.0%
71-75 7.5%
76 & above 5%
5. Long term discount
(2 and 3 years policy
term)
Applicable in case the policy term is more than 1 year and in case of single payment of premium.
Long-term discount (Applicable in case of single payment for more than 1 year)
Policy Term Discount
1 year Nil
2 years 5%
3 years 10%
Loyalty discount 2.5% loyalty discount if the client already has a separate Retail Health insurance policy (other than
Future Advantage Top-up/ Personal Accident/ Travel) from Future Generali India Insurance Co. Ltd.
The loyalty discount shall continue only if the insured maintains the separate health insurance policy
with Us.
Instalment facility Available for policy term of 1/ 2/ 3 years. Loadings on standard premium will be applicable in case
instalment facility is opted.
Instalment frequency Loading on standard premiums
Monthly 5%
Quarterly 4%
Half-yearly 3%
Other features
1. Waiver of Deductible-You have an option to opt for waiver of the Deductible and opt for any indemnity health insurance
policy(without any Deductible) offered by Us for the same Sum Insured without re-valuation of health status or any Pre-Policy
check-up provided that:
• You have been insured with Us for the first time under this Policy before the age of 50 years and have Renewed with Us
continuously and without any break in insurance for a minimum period of 5 years.
• This option for waiver of Deductible can be exercised by You at Renewal when Your/ Insured Person’s completed age is
within the age group of 54-60 years however only after being continuously renewed under this Policy without any break
for a period of 5 years or more.
2. Portability can be offered as per the Portability guidelines.
3. Migration can be offered as per the Migration guidelines.
4. There will be no loading on premium for adverse claims experience
5. Premium paid by any mode other than cash and demand draft is eligible for tax relief as provided under Section 80-D of the
Income Tax Act.
Free Look Period
1. The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of
porting/migrating the policy.
6. 2. The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the
terms and conditions of the policy, and to return the same if not acceptable.
3. lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to.
i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person
and the stamp duty charges or;
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a
deduction towards the proportionate risk premium for period of cover or;
iii. Where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the
insurance coverage during such period.
Major Exclusions
• Any condition, ailment, injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs
and / or symptoms, prior to the inception of your first policy until 24 months from the date of inception.
• Any disease contracted during the first 30 days from the commencement of the policy.
• External Congenital Anomaly and related Illness/ defect.
• Dental Treatment or Surgery of any kind unless requiring Hospitalization as a result of Injury.
• Medical Expenses for diseases/ conditions like Internal Congenital Anomalies, Benign Prostatic Hypertrophy, Hysterectomy,
etc. shall be covered after a waiting period of 24 months from the date of inception of the first policy with Us.
• Joint replacement surgery shall be covered after a waiting period of 2 years, unless required due to an accident.
• Use of intoxicating drugs or alcohol.
*The above list is indicative in nature, please refer to policy wordings for complete details.
Claim Process
• The Claim under cashless and reimbursement would be admissible in excess of the deductible limit, subject to terms,
conditions, exclusions & definitions as per the policy wordings.
• In case of settlement of claim by any other existing insurance policy, the proof of the settlement of claim along with the
attested claim document has to be provided at the time of claim to Us.
Claims Assistance
• In house claims servicing is through Future Generali Health Team (FGH)
• Cashless facility is offered through our network hospitals.
• Cashless facility is subject to mandatory pre-authorization by Future Generali Health Team and subject to policy conditions.
• Cashless facility can be availed on producing the FGH – Health Id card along with photo identification proof.
In case cashless facility is not availed, the claim documents can be submitted directly to the below mentioned address
for reimbursement.
Claims Department
Future Generali Health (FGH)
Future Generali India Insurance Company Ltd.
Office No. 3, 3rd Floor, “A” Building, G - O - Square,
S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, Pune - 411 057.
Toll free number: 1800 103 8889 / 1800 209 1016
Fax number: 1800 103 9998 / 1800 209 1017
Email: fgh@futuregenerali.in
52. B. Premium for Elite Plan – In case Elite plan is opted, which includes cover for Cancer and ailments related to Heart, then
there will be discount of 30% on Premium applicable for Supreme plan.
*Premiums exclusive of Goods & Services Tax.
**Age in completed years
*** For Family Floater, premium would be applicable as per the age of the eldest member in the family.
**** The premiums above are subject to revision as and when approved by the regulator. However such revised premiums would
be applicable only from subsequent renewals and with due notice whenever implemented.
Disclaimer: For detailed information on this product, terms and conditions etc., please refer to the product policy clause, consult
your advisor or visit our website before concluding a sale. Tax Benefits are subject to change due to change in tax laws. Insurance
is the subject matter of solicitation.
53. Premium Illustration in respect of policies offered on individual and family floater basis
Plan – Supreme, Sum insured – 5 Lacs with Deductible – 5 Lacs.
Age of the
members
insured
Coverage opted on
individual basis covering
each member of the
family separately (at a
single point in time)
Coverage opted on individual basis covering
multiple members of the family under a single
policy (Sum insured is available for each
member of the family)
Coverage opted on family floater basis with
overall Sum insured (Only one sum insured is
available for the entire family)
Total Premium for all members of the
family is ` 5,928/-, when each member
is covered separately.
Sum insured available for each
individual is ` 500000 with Deductible
of ` 500000
Total Premium for all members of the family is
` 5,335/-, when they are covered under a single
policy.
Sum insured available for each family member is
` 500000 with Deductible of ` 500000
Total Premium when policy is opted on floater
basis is ` 3,554/-.
Sum insured of ` 500000 is available for the entire
family with Deductible of ` 500000
Premium Discount, Premium Sum
(`) if any after insured
discount (`) (`)
Premium or Floater Premium Sum
consolidated discount, after insured
premium for if any discount (`) (`)
all members
of family (`)
Premium Sum
(`) insured (`)
46 years 1,541 500000 1,541 154 1,387 500000
41 years 1,200 500000 1,200 120 1,080 500000
20 years 711 500000 711 71 640 500000
17 years 619 500000 619 62 557 500000 5,928 2,374 3,554 500000
14 years 619 500000 619 62 557 500000
14 years 619 500000 619 62 557 500000
8 years 619 500000 619 62 557 500000
Note
• This is just an illustration of premium calculation.
• Premiums may vary with respect to Plan, Sum Insured and deductible opted by the insured.
• Premium rates specified in the above illustration are the standard premium rates without considering any loading and/or discounts like – Online (Website)
Sales discount etc.
• In case premium is paid on instalment basis, the loading will be applicable accordingly.
• Premium rates are exclusive of Goods and Services Tax applicable.
54. Call us at: 1800-220-233 |1860-500-3333 | 022-67837800 | Website: https://general.futuregenerali.in
Future Generali India Insurance Company Limited (IRDAI Regn. No. 132), (CIN: U66030MH2006PLC165287)
Regd. and Corp. Office: 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083.
Fax No: 022 4097 6900 | Email: fgcare@futuregenerali.in
ARN: FG-NL/PD/MKTG/EN/ADVNTOPUPDEC18-01BRO
UIN: FGIHLIP21155V022021
ISO Ref. No.: FGH/UW/RET/196/03
For detailed information on the product including risk factors, terms and conditions etc., please refer to the product policy clause, consult your
advisor or visit our website before concluding a sale. Health products are eligible for deduction under Section 80D of the Income Tax Act. Tax
benefits are subject to change due to change in Income Tax Act. Trade Logo displayed above belongs to M/S Assicurazioni Generali - Societa
Per Azioni and used by Future Generali India Insurance Co Ltd. under license. Future Group’s and Generali Group’s liability is restricted to the
extent of their shareholding in Future Generali India Insurance Company Limited.