Apollo Munich introduces a first of its kind, unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
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.
Maxima is a plan that takes care of your everyday health needs. It is an easy to buy plan that covers expenses incurred in the form of Doctors’ consultations, Pharmacy bills, Diagnostic tests, Dental treatment, Optical services and Annual health check-up. Maxima health plan by Apollo Munich offers comprehensive coverage while taking care of little illnesses too. Along with wide inpatient coverage, Maxima also offer benefits with unique outpatient coverage. With additional critical illness coverage and provision of lifelong renewal, the plan makes insurance coverage feasible at affordable premium rates. Get self as well as your family members insured under this easy to understand plan and enjoy a stress free health future.
HDFC life presents HDFC Life Health Assure Plan, a comprehensive, pure protection health insurance plan that reimburses medical expenses incurred in a hospital.
Apollo Munich introduces a first of its kind, unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
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.
Maxima is a plan that takes care of your everyday health needs. It is an easy to buy plan that covers expenses incurred in the form of Doctors’ consultations, Pharmacy bills, Diagnostic tests, Dental treatment, Optical services and Annual health check-up. Maxima health plan by Apollo Munich offers comprehensive coverage while taking care of little illnesses too. Along with wide inpatient coverage, Maxima also offer benefits with unique outpatient coverage. With additional critical illness coverage and provision of lifelong renewal, the plan makes insurance coverage feasible at affordable premium rates. Get self as well as your family members insured under this easy to understand plan and enjoy a stress free health future.
HDFC life presents HDFC Life Health Assure Plan, a comprehensive, pure protection health insurance plan that reimburses medical expenses incurred in a hospital.
Future Advantage Top-Up - Give Your Health Insurance A Backup Plan From Futur...ColinGenerali
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.
Although the Affordable Care Act has benefited the health insurance consumer in many respects, it has also added to the confusion. This presentation, Given by Wanda Stephens in Raleigh, North Carolina, details some of the many facets to Obamacare in NC.
for more information visit http://www.hisonc.com/obamacare-north-carolina/
Protect yourself for whole of life with lifelong protection options with life and health insurance plans. To get more details visit https://www.hdfclife.com/documents/apps/c2p-health_retail_brochure20170828-123436.pdf
To learn more about thisplan visit https://www.hdfclife.com/term-and-health-insurance-plans/click-2-protect-health-plan
Emeritrust Benefits provides a Medicare educational seminar to help explain what Medicare does and does not cover. We also explain what other types are available including Medicare supplement plans, Medicare Advantage Plans, and Medicare Part D drug plans.
Aviva Health Secure is a health insurance plan that pays you a lump sum amount in case you are diagnosed with any critical illness and procedures as listed ahead.
Medicare 101 - 2021 Update from Erin HartMary Hagan
Medicare 101 – 2019 Update
Medicare Benefit Education Topics
Health benefits options for retirees and people over 65
Medicare and Medicaid benefits
Structuring an Eldercare program for your employees
Patient Advocacy – what is it?
At L&T Insurance, we put ourselves in your shoes and keep every detail in mind while designing your health plan. We understand that your family’s health is most
precious to you. Which is why we offer you a thoughtful and holistic health insurance plan to reduce your concerns and let you enjoy absolute peace of mind.
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.
Bajaj Allianz’s Extra Care Plus is a top-up policy that can be added to your existing health insurance policy or can be taken even without any base health insurance. It comes with extremely pocket-friendly premium and a wide range of coverages.
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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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.
Although the Affordable Care Act has benefited the health insurance consumer in many respects, it has also added to the confusion. This presentation, Given by Wanda Stephens in Raleigh, North Carolina, details some of the many facets to Obamacare in NC.
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Protect yourself for whole of life with lifelong protection options with life and health insurance plans. To get more details visit https://www.hdfclife.com/documents/apps/c2p-health_retail_brochure20170828-123436.pdf
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Aviva Health Secure is a health insurance plan that pays you a lump sum amount in case you are diagnosed with any critical illness and procedures as listed ahead.
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Medicare 101 – 2019 Update
Medicare Benefit Education Topics
Health benefits options for retirees and people over 65
Medicare and Medicaid benefits
Structuring an Eldercare program for your employees
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At L&T Insurance, we put ourselves in your shoes and keep every detail in mind while designing your health plan. We understand that your family’s health is most
precious to you. Which is why we offer you a thoughtful and holistic health insurance plan to reduce your concerns and let you enjoy absolute peace of mind.
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,
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Bajaj Allianz’s Extra Care Plus is a top-up policy that can be added to your existing health insurance policy or can be taken even without any base health insurance. It comes with extremely pocket-friendly premium and a wide range of coverages.
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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
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Visit Future Generali to know more.
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263778731218 Abortion Clinic /Pills In Harare ,sisternakatoto
263778731218 Abortion Clinic /Pills In Harare ,ABORTION WOMEN’S CLINIC +27730423979 IN women clinic we believe that every woman should be able to make choices in her pregnancy. Our job is to provide compassionate care, safety,affordable and confidential services. That’s why we have won the trust from all generations of women all over the world. we use non surgical method(Abortion pills) to terminate…Dr.LISA +27730423979women Clinic is committed to providing the highest quality of obstetrical and gynecological care to women of all ages. Our dedicated staff aim to treat each patient and her health concerns with compassion and respect.Our dedicated group ABORTION WOMEN’S CLINIC +27730423979 IN women clinic we believe that every woman should be able to make choices in her pregnancy. Our job is to provide compassionate care, safety,affordable and confidential services. That’s why we have won the trust from all generations of women all over the world. we use non surgical method(Abortion pills) to terminate…Dr.LISA +27730423979women Clinic is committed to providing the highest quality of obstetrical and gynecological care to women of all ages. Our dedicated staff aim to treat each patient and her health concerns with compassion and respect.Our dedicated group of receptionists, nurses, and physicians have worked together as a teamof receptionists, nurses, and physicians have worked together as a team wwww.lisywomensclinic.co.za/
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We specializes in exporting high quality Research chemical, medical intermediate, Pharmaceutical chemicals and so on. Products are exported to USA, Canada, France, Korea, Japan,Russia, Southeast Asia and other countries.
Recomendações da OMS sobre cuidados maternos e neonatais para uma experiência pós-natal positiva.
Em consonância com os ODS – Objetivos do Desenvolvimento Sustentável e a Estratégia Global para a Saúde das Mulheres, Crianças e Adolescentes, e aplicando uma abordagem baseada nos direitos humanos, os esforços de cuidados pós-natais devem expandir-se para além da cobertura e da simples sobrevivência, de modo a incluir cuidados de qualidade.
Estas diretrizes visam melhorar a qualidade dos cuidados pós-natais essenciais e de rotina prestados às mulheres e aos recém-nascidos, com o objetivo final de melhorar a saúde e o bem-estar materno e neonatal.
Uma “experiência pós-natal positiva” é um resultado importante para todas as mulheres que dão à luz e para os seus recém-nascidos, estabelecendo as bases para a melhoria da saúde e do bem-estar a curto e longo prazo. Uma experiência pós-natal positiva é definida como aquela em que as mulheres, pessoas que gestam, os recém-nascidos, os casais, os pais, os cuidadores e as famílias recebem informação consistente, garantia e apoio de profissionais de saúde motivados; e onde um sistema de saúde flexível e com recursos reconheça as necessidades das mulheres e dos bebês e respeite o seu contexto cultural.
Estas diretrizes consolidadas apresentam algumas recomendações novas e já bem fundamentadas sobre cuidados pós-natais de rotina para mulheres e neonatos que recebem cuidados no pós-parto em unidades de saúde ou na comunidade, independentemente dos recursos disponíveis.
É fornecido um conjunto abrangente de recomendações para cuidados durante o período puerperal, com ênfase nos cuidados essenciais que todas as mulheres e recém-nascidos devem receber, e com a devida atenção à qualidade dos cuidados; isto é, a entrega e a experiência do cuidado recebido. Estas diretrizes atualizam e ampliam as recomendações da OMS de 2014 sobre cuidados pós-natais da mãe e do recém-nascido e complementam as atuais diretrizes da OMS sobre a gestão de complicações pós-natais.
O estabelecimento da amamentação e o manejo das principais intercorrências é contemplada.
Recomendamos muito.
Vamos discutir essas recomendações no nosso curso de pós-graduação em Aleitamento no Instituto Ciclos.
Esta publicação só está disponível em inglês até o momento.
Prof. Marcus Renato de Carvalho
www.agostodourado.com
Acute scrotum is a general term referring to an emergency condition affecting the contents or the wall of the scrotum.
There are a number of conditions that present acutely, predominantly with pain and/or swelling
A careful and detailed history and examination, and in some cases, investigations allow differentiation between these diagnoses. A prompt diagnosis is essential as the patient may require urgent surgical intervention
Testicular torsion refers to twisting of the spermatic cord, causing ischaemia of the testicle.
Testicular torsion results from inadequate fixation of the testis to the tunica vaginalis producing ischemia from reduced arterial inflow and venous outflow obstruction.
The prevalence of testicular torsion in adult patients hospitalized with acute scrotal pain is approximately 25 to 50 percent
These lecture slides, by Dr Sidra Arshad, offer a quick overview of physiological basis of a normal electrocardiogram.
Learning objectives:
1. Define an electrocardiogram (ECG) and electrocardiography
2. Describe how dipoles generated by the heart produce the waveforms of the ECG
3. Describe the components of a normal electrocardiogram of a typical bipolar leads (limb II)
4. Differentiate between intervals and segments
5. Enlist some common indications for obtaining an ECG
Study Resources:
1. Chapter 11, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 9, Human Physiology - From Cells to Systems, Lauralee Sherwood, 9th edition
3. Chapter 29, Ganong’s Review of Medical Physiology, 26th edition
4. Electrocardiogram, StatPearls - https://www.ncbi.nlm.nih.gov/books/NBK549803/
5. ECG in Medical Practice by ABM Abdullah, 4th edition
6. ECG Basics, http://www.nataliescasebook.com/tag/e-c-g-basics
New Directions in Targeted Therapeutic Approaches for Older Adults With Mantl...i3 Health
i3 Health is pleased to make the speaker slides from this activity available for use as a non-accredited self-study or teaching resource.
This slide deck presented by Dr. Kami Maddocks, Professor-Clinical in the Division of Hematology and
Associate Division Director for Ambulatory Operations
The Ohio State University Comprehensive Cancer Center, will provide insight into new directions in targeted therapeutic approaches for older adults with mantle cell lymphoma.
STATEMENT OF NEED
Mantle cell lymphoma (MCL) is a rare, aggressive B-cell non-Hodgkin lymphoma (NHL) accounting for 5% to 7% of all lymphomas. Its prognosis ranges from indolent disease that does not require treatment for years to very aggressive disease, which is associated with poor survival (Silkenstedt et al, 2021). Typically, MCL is diagnosed at advanced stage and in older patients who cannot tolerate intensive therapy (NCCN, 2022). Although recent advances have slightly increased remission rates, recurrence and relapse remain very common, leading to a median overall survival between 3 and 6 years (LLS, 2021). Though there are several effective options, progress is still needed towards establishing an accepted frontline approach for MCL (Castellino et al, 2022). Treatment selection and management of MCL are complicated by the heterogeneity of prognosis, advanced age and comorbidities of patients, and lack of an established standard approach for treatment, making it vital that clinicians be familiar with the latest research and advances in this area. In this activity chaired by Michael Wang, MD, Professor in the Department of Lymphoma & Myeloma at MD Anderson Cancer Center, expert faculty will discuss prognostic factors informing treatment, the promising results of recent trials in new therapeutic approaches, and the implications of treatment resistance in therapeutic selection for MCL.
Target Audience
Hematology/oncology fellows, attending faculty, and other health care professionals involved in the treatment of patients with mantle cell lymphoma (MCL).
Learning Objectives
1.) Identify clinical and biological prognostic factors that can guide treatment decision making for older adults with MCL
2.) Evaluate emerging data on targeted therapeutic approaches for treatment-naive and relapsed/refractory MCL and their applicability to older adults
3.) Assess mechanisms of resistance to targeted therapies for MCL and their implications for treatment selection
micro teaching on communication m.sc nursing.pdfAnurag Sharma
Microteaching is a unique model of practice teaching. It is a viable instrument for the. desired change in the teaching behavior or the behavior potential which, in specified types of real. classroom situations, tends to facilitate the achievement of specified types of objectives.
The prostate is an exocrine gland of the male mammalian reproductive system
It is a walnut-sized gland that forms part of the male reproductive system and is located in front of the rectum and just below the urinary bladder
Function is to store and secrete a clear, slightly alkaline fluid that constitutes 10-30% of the volume of the seminal fluid that along with the spermatozoa, constitutes semen
A healthy human prostate measures (4cm-vertical, by 3cm-horizontal, 2cm ant-post ).
It surrounds the urethra just below the urinary bladder. It has anterior, median, posterior and two lateral lobes
It’s work is regulated by androgens which are responsible for male sex characteristics
Generalised disease of the prostate due to hormonal derangement which leads to non malignant enlargement of the gland (increase in the number of epithelial cells and stromal tissue)to cause compression of the urethra leading to symptoms (LUTS
Ethanol (CH3CH2OH), or beverage alcohol, is a two-carbon alcohol
that is rapidly distributed in the body and brain. Ethanol alters many
neurochemical systems and has rewarding and addictive properties. It
is the oldest recreational drug and likely contributes to more morbidity,
mortality, and public health costs than all illicit drugs combined. The
5th edition of the Diagnostic and Statistical Manual of Mental Disorders
(DSM-5) integrates alcohol abuse and alcohol dependence into a single
disorder called alcohol use disorder (AUD), with mild, moderate,
and severe subclassifications (American Psychiatric Association, 2013).
In the DSM-5, all types of substance abuse and dependence have been
combined into a single substance use disorder (SUD) on a continuum
from mild to severe. A diagnosis of AUD requires that at least two of
the 11 DSM-5 behaviors be present within a 12-month period (mild
AUD: 2–3 criteria; moderate AUD: 4–5 criteria; severe AUD: 6–11 criteria).
The four main behavioral effects of AUD are impaired control over
drinking, negative social consequences, risky use, and altered physiological
effects (tolerance, withdrawal). This chapter presents an overview
of the prevalence and harmful consequences of AUD in the U.S.,
the systemic nature of the disease, neurocircuitry and stages of AUD,
comorbidities, fetal alcohol spectrum disorders, genetic risk factors, and
pharmacotherapies for AUD.
Explore natural remedies for syphilis treatment in Singapore. Discover alternative therapies, herbal remedies, and lifestyle changes that may complement conventional treatments. Learn about holistic approaches to managing syphilis symptoms and supporting overall health.
Are There Any Natural Remedies To Treat Syphilis.pdf
Future Generali Health Elite - A Plan That Covers You Globally
1. THERE SHOULD BE NO
BOUNDARIES WHEN IT
COMES TO YOUR HEALTH.
FG HEALTH ELITE
A PLAN THAT COVERS YOU GLOBALLY.
PRESENTING
2. As a privileged customer, it gives you access to premium healthcare options and
wellness advantages that aren’t typically included in conventional health insurance
plans. Certain illnesses have significantly better worldwide treatments and the fact that
this plan provides global medical treatment for specific illnesses is one of the most
remarkable features of the plan.
Additionally, the plan offers you a high sum insured going up to ₹ 6 Crores, providing
maximum coverage that takes care of all your medical bills. It offers home visits, OPD
treatment, and mental health coverage along with global protection.
BECAUSE YOUR HEALTH DESERVES
EVERYTHING PREMIUM.
3. *We facilitate global healthcare and well-being.
We offer comprehensive coverage including OPD treatment,
home visits, air ambulance, and coverage for mental health.
We encourage fitness by providing incentives.
We provide a smoother and quicker claim
intimation and settlement process.
We provide a higher sum insured than regular
plans to ensure maximum coverage.
WHY CHOOSE FG HEALTH ELITE?
*Medical Treatment abroad shall be available for specific medical conditions only.
4. POLICY TERMS:
1. Policy Tenure: 1, 2 and 3 years
2. Sum insured: ₹ 75 L, ₹ 1 Cr to ₹ 6 Cr in multiples of ₹ 50L
3. Eligibility: Minimum entry age: Proposer - 18 years, Child - 91 days, Adult - 18 years
Maximum entry age: Proposer - 65 years, Adult - 65 years
4. Cover type: Individual and family floater
5. Maximum members covered under a single policy: 15
6. Nationality status: This Policy is available to all Insured Persons who are Indian Nationals and are residents
of India at inception of the Policy and at subsequent renewals of this Policy.
7. Family definition: The following persons shall be eligible to be Insured Persons under the Policy:
You, Your Spouse / Live-in partner, Your Children, Your Parents, Your Dependent Siblings, Your daughter in law,
Your son in law, Your parents in law, Your grandparents and Your grandchildren.
8. Lifelong Renewals: The policy, if renewed continuously without any break, will be renewed lifelong.
9. Co-payment applicability: The following Co-payment shall be applicable for claims under all Benefits other than
OPD Treatment Benefit:
• Any Insured Person aged 61 years to 65 years, being covered for the first time in this policy shall bear 20%
of each and every admissible claim and Our liability, if any, shall only be in excess of that sum. There is no
option to waive off this co-payment. This co-payment will be applicable for all subsequent renewal policies.
10. Pre-acceptance Medical Tests:
• Insured is eligible for 100% reimbursement of pre-acceptance medical tests charges, subject to policy
issuance and 64 VB compliance.
• Pre-acceptance medical tests need to be done at empanelled diagnostic centres only.
• The tests would be considered valid for a period of one month from the date the tests have been conducted.
• Underwriting loading on the standard premium rates will be applicable based on health status of the proposed
insured person. It will take into consideration the adverse health conditions declared on the proposal form and
findings of medical tests conducted.
• The loading of premium will be applicable on the particular insured’s premium only.
• This would be applicable for both Individual and Floater options.
18 years and Above All Sum Insured
Age Sum Insured
Required
Medical Examination
5. WHAT'S
MORE?
The Insured Person will be eligible for “Wellness Benefits” as per the Plan in force under the Policy. These
wellness benefits will include value-added services and wellness reward points. These services would be
conducted through our wellness partner and can be availed from our FG Insure App. All insured above 18 years
are eligible to avail the wellness benefits. The insured would have to register into the FG Insure App with his/her
unique mobile number and the policy number for availing the benefits. While availing the wellness benefits,
each Insured Person expressly agrees that:
a) All decisions regarding availing the wellness benefit, are to be solely made by the Insured Person.
b) We do not provide/assume responsibility for the wellness benefits or make any representation as to the
adequacy or accuracy or quality of the same; any actual or alleged errors, omissions or representations
whatsoever made by any of our wellness partners or for any consequences of any action taken or not taken in
reliance thereon by the Insured Person or any other person.
WELLNESS BENEFITS:
6. Insured will be eligible for Reward Points under the Policy. This benefit will help insured to assess their health
status and improve their overall well-being.
Insured would have to earn these points by performing an array of wellness activities listed below. These activities
done by insured will determine the points that can be earned. Conditions for earning the reward points:
• Age Eligibility - Everyone from 18 years onwards are eligible.
• There will be no limitation to the number of programmes one can enroll; however, maximum rewards that one
can earn in a single Policy Year will be limited to 200 per insured.
• Conditions for earning Reward Points, wherever offered, will be the same for all the customers irrespective of
plan opted.
A. VALUE-ADDED
SERVICES
Telecounseling Wellness content Health check-up
Webinars
Vouchers
(Fitness/Sports memberships,
Wellness centers,
Diagnostic centers etc)
Complete Blood Count (CBC), Glycosylated Hemoglobin (HbA1C), Electrocardiogram (ECG reported by an MD Physician),
Low Density Lipoproteins (LDL), Serum Triglycerides, High Density Lipoproteins (HDL), Serum Cholesterol,
Medical examination report including Blood Pressure and BMI (Body Mass Index), Serum Glutamic Oxaloacetic
Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Thyroid function (T3, T4, TSH), Calcium, Uric Acid,
Vitamin D, Total Protein, Pulmonary Function Test, USG (Abdomen)
Tests covered under health check-up are listed as below:
B. WELLNESS REWARDS POINTS
7. DETAILS OF REWARD POINTS THAT
CAN BE ACCRUED ARE LISTED BELOW.
5%
4%
3%
2%
185 - 200
150 -184
100 -149
15 - 99
Points earned per
member per year
% value of
points earned
The points earned in a year will be equal to certain percentage of the applicable insured premium as per table below:
1)
3)
4)
5)
6)
Criteria
Frequency
allowed
Max.
Points
Stress & Happiness Index score
Expert Wellness Assessment
Participation in FGII organized events (as and when
organized) and viewing of FGII Content around wellness
Lifestyle disease monitor
• Hypertension-Blood pressure
• Obesity-BMI
• Diabetes-Hb A1C
• Cardiac Health-Sr. Cholesterol, Triglycerides
Fitness/Healthy Lifestyle tracking-(Any one activity)
• Daily Step tracking (monthly average of 10,000 steps/day)
• Burning average of 300 calories per day in a month
• Submission of monthly Gym/yoga membership detail
• Participation in Marathon, Cyclathon etc.
2 times/year
Once/year
As planned by FGII
Once/year
Monthly
20
40
20
45
60
Total points 200
Enrolment to Wellness Once/year 15
8. # The above content indicates a brief description on wellness benefits. For more details, please refer to Policy Wordings on
https://general.futuregenerali.in/customer-service/downloads
Cumulative Bonus will be increased by 10% for every claim-free policy year (where no claims are reported)
with the exception of any claim under OPD treatment and Wellness Benefits, provided the policy is
renewed with us without a break subject to a maximum of 100% of the sum insured under the current policy year.
If a claim is made in any particular year, the cumulative bonus accrued shall be reduced at the same rate at which
it has accrued. However, Sum Insured will be maintained and will not be reduced in the policy year.
CUMULATIVE BONUS:
• The points earned will float among all members of the family irrespective of the persons who have
contributed towards earning them.
• Points earned in first year can be carried forward to 2nd
or 3rd
year in case of long-term policies.
• The points can be redeemed for utilization of the following benefits
1. Any unutilized reward points shall be applied as discount in premium at the time of renewal of the Policy
or allowed to encash the points through vouchers under wellness Programs.
2. Availing out-patient consultations through the Wellness Partner network clinics.
3. Diagnostic tests, preventive tests through the Wellness Partner network clinics.
4. Purchase of prescribed medicines through online pharmacy having tie up with Our Wellness Partner.
5. Reimbursement of non-medical expenses in case of claim under hospitalization medical expenses.
1. Grace period: 15 days would be given to pay the installment premium due for the policy
2. Premium Installment facility: Single; Half Yearly; Quarterly; Monthly & Annually in case of long term policies
3. Loading on Claim Experience: There will be no loading on premium for adverse claims experience
4. Tax Benefit: Premium paid by any mode other than cash and demand draft is eligible for tax rebate as
provided under Section 80-D of the Income Tax Act.
5. Free-look: You will be allowed free look period of 15 days from date of receipt of the policy document
6. Cancellation: You may cancel the policy by giving 15 days’ written notice
CONDITIONS APPLICABLE
FOR BURNING OF POINTS:
OTHER FEATURES:
9. Section A: Hospitalization Covers
S. No. Product Features Included in base SI
or Additional SI
Coverage/Limits
1
2
Hospitalization Expenses In Base Sum Insured Up To Sum Insured
Medical Treatment Abroad
(Excluding USA & Canada)
In Base Sum Insured Listed Critical Illnesses Treatment
1. Return Airfare (Once per policy year) Covered Up to ₹ 3,00,000;
2. Covered Up to 50% of SI in 1st
Policy year, 100% thereafter;
3. All Claims Subject to 20% Co-Payment;
Emergency Treatments
1. All Claims Subject to 20% Co-Payment;
2. Up to 100% of SI from 1st
Policy year for Emergency Purposes
3 Emergency Ambulance Expenses
(Within India and outside India)
In Base Sum Insured 1. Up to ₹ 50,000 for Road ambulance
2. Up to ₹ 5,00,000 for Air ambulance
4 OPD Treatment In Base Sum Insured
In Base Sum Insured
In Base Sum Insured
Up to ₹ 50,000 per policy
A Consultation, diagnostic tests
and medications
80% of bills
B Dental treatment 70% of bills; 6 months waiting period
D Home Visit Cover 80% of bills
E Qualified Nurses 80% of bills
F Physiotherapists 80% of bills
6 Domiciliary Hospitalization Expenses Up to 10% of SI only If treatment for more than 3 days
In Base Sum Insured
8 Pre-Hospitalization Medical Expenses 60 Days
In Base Sum Insured
9 Post-Hospitalization
Medical Expenses
180 Days
In Base Sum Insured
7 Claims Related to listed Mental
Healthcare/Psychiatric illness
treatment Cover
1. For Sum Insured 75 L - Up to Sum Insured
2. For Sum Insured 1 Cr and above-Maximum up to ₹ 1 Cr.
5 Patient Care 1. Up to ₹ 1000 Day, and;
2. Up to 10 Days after discharge
(Limited to a maximum of 30 Days per policy year)
C Hearing and Optical Aid 1. Optical Aid covered up to ₹ 6,500
2. Hearing Aid covered up to 30% of OPD benefit Sub-limit .
3. Claim can be made every alternate policy year
SCHEDULE OF
BENEFITS
10. S. No. Product Features Included in base SI
or Additional SI
Coverage / Limits
Section B: Renewal Benefit
Section C: Value Added Cover
A Pre-natal Medical Expenses
In Base Sum Insured
90 Days (Up to limit mentioned for maternity expenses benefit)
B Post-natal Medical Expenses 45 Days (Up to limit mentioned for maternity expenses benefit))
11 Organ Donor Expenses Up to Sum Insured
In Base Sum Insured
12 Day Care Treatment Expenses Up to Sum Insured
In Base Sum Insured
13 Accompanying Person Up to ₹ 500 per day; Maximum of 30 days per policy year
In Base Sum Insured
14 Repatriation of mortal remains Up to ₹ 1,00,000
In Base Sum Insured
15 Child Vaccination Benefits Up to ₹ 10,000 (Age Up to 12 yrs.)
In Base Sum Insured
16 Newborn Baby Expenses Up to Sum Insured, Vaccination Benefit-Up to ₹ 10,000
In Base Sum Insured
17 E-Opinion in respect of an Illness
or Injury
2 per policy year
In Base Sum Insured
18 Alternative Treatment Up to 1% of sum insured, limited to a maximum of ₹ 5,00,000
In Base Sum Insured
19 Prosthetic Devices Up to ₹ 10,00,000
In Base Sum Insured
20 Cataract (24 months waiting period) Up to ₹ 1,00,000 per eye
In Base Sum Insured
21 HIV Up to Sum Insured
In Base Sum Insured
22 Bariatric Surgery Up to ₹ 10,00,000
Additional Sum Insured
24 Accidental Hospitalization Increase By 25% Of Available Balance Sum Insured
Up To ₹ 10,00,000 (Excluding Cumulative Bonus)
Additional Sum Insured
1 Cumulative Bonus 1. 10% of the base Sum Insured in the Current Policy Year.
2. Limited to a maximum of 100% of the base Sum Insured
in the previous Policy Year.
1 Wellness Benefits
Insured is eligible for following benefits as in the policy wordings:
• Telecounselling
• Health Contents
• Webinars
• Vouchers (Fitness/Sports Memberships,
Wellness centers, Diagnostic centers)
• Health check-ups
Additional Sum Insured
23 Restoration of the Sum Insured Up To 100% Of Base Sum Insured, Applicable to all the subsequent
claims in the current policy year but for different/unrelated illness only
A Value Added Services
In Base Sum Insured
10 Maternity Expenses
(24/48 months waiting)
1. Normal Delivery+Pre Natal+Post
Natal expenses-Up to ₹ 1,00,000 .
2. Caesarean Delivery+Pre Natal+Post
Natal expenses-Up to ₹ 2,00,000 .
11. Section C: Value Added Cover
Section D: Optional Covers
B Wellness Reward Points Under this benefit, Insured will be eligible for earning of Reward
Points by performing an array of wellness activities as listed in the
policy wordings. These reward points can be used as per conditions
in the policy wordings.
1 Co-pay waiver Under this optional cover, the Insured will have an option to waive
the mandatory Co-payment applicable under Medical treatment
taken abroad Benefit.
2
1
Treatment including USA & Canada Under this optional cover, the Insured will have an option to extend
the scope of "Medical Treatment Abroad", "Emergency Ambulance
Expenses" and "Repatriation of mortal remains" benefits to include
USA & Canada as well
24 months
Pre-Existing Disease Waiting Period
Applicable
Section E: Waiting Periods
General waiting period
1 30-Days Applicable
2 2-Years-For Listed Conditions Applicable
3 4-Years-For Listed Conditions Applicable
S. No. Product Features Included in base SI
or Additional SI
Coverage / Limits
12. WHAT’S NOT
COVERED
1. Any admission primarily for diagnostics and evaluation purposes only except under OPD treatment.
2. Admission primarily for enforced bed rest and not for receiving treatment. This also included custodial care
and services to address the emotional, physical, spiritual and medical needs of terminally ill people.
3. Expenses related to the surgical treatment of obesity that does not fulfil certain conditions.
4. Change of Gender treatments.
5. Cosmetic or Plastic Surgery.
6. Expenses related to any treatment necessitated due to participation as a professional in hazardous
or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting,
motor racing, horse racing or scuba diving, hang gliding, sky diving and deep-sea diving.
7. Expenses for treatment directly arising from or consequent upon any Insured Person committing
or attempting to commit a breach of law with criminal intent.
8. Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider
specifically excluded by us are not admissible. However, in case of life-threatening situations or following
an accident, expenses up to the stage of stabilization are payable but not the complete claim.
9. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
10. Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds
registered as a nursing home attached to such establishments or where admission is arranged wholly
or partly for domestic reasons.
11. Dietary supplements and substances that can be purchased without a prescription, including but not limited
to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of
hospitalization claim or daycare procedures.
12. Expenses related to the treatment for correction of eyesight due to refractive error less than 7.5 dioptres.
13. Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.
14. Expenses related to sterility and infertility.
*The above list is indicative in nature. For complete details, please refer to policy wordings on
https://general.futuregenerali.in/customer-service/downloads
14. *PREMIUM FOR INDIVIDUALS WHO ENTER
THE POLICY FOR THE FIRST TIME AFTER
THE AGE OF 60 YEARS
Sum Insured
75 Lacs 1 crore 1.5 crore 2 crore 2.5 crore 3 crore 3.5 crore 4 crore 4.5 crore 5 crore 5.5 crore 6 crore
61-65 227,780 258,182 304,479 340,505 371,395 398,750 423,459 446,133 467,129 486,761 505,248 522,747
66-70 278,023 316,004 373,283 417,600 455,601 489,252 519,648 547,541 573,369 597,520 620,262 641,789
71-75 397,129 451,260 533,245 596,841 651,371 699,661 743,278 783,304 820,367 855,024 887,659 918,550
76-80 564,427 640,911 757,356 847,961 925,650 994,448 1,056,589 1,113,615 1,166,418 1,215,793 1,262,288 1,306,298
81-85 735,190 835,079 987,128 1,105,424 1,206,857 1,296,682 1,377,815 1,452,269 1,521,210 1,585,676 1,646,380 1,703,842
>85 830,453 945,581 1,119,088 1,253,287 1,368,357 1,470,256 1,562,297 1,646,760 1,724,969 1,798,102 1,866,967 1,932,154
Age
band
Notes:
• Premium exclusive of Goods and Services tax; Age in completed years
• *Mandatory co-payment of 20% will be applicable for the insured persons entering into the Policy for the first time after
the age of 60 years. This will be applicable for all subsequent renewals as well
15. This product offers an optional cover where the insured can opt to remove the mandatory co-payment of
20% which is applicable in the benefit “Medical Treatment Abroad”. If the insured opts for the same, the
following percentage loadings by Age and Sum Insured will be applied:
PREMIUM CHARGED FOR
OPTIONAL COVERS
(PREMIUM AND SUM INSURED IN ₹):
This product offers an option to extend the scope of Benefits-'Medical Treatment Abroad', 'Emergency Ambulance
Expenses' and 'Repatriation of mortal remains' to avail coverage in USA and Canada as well. If an Insured opts for
this optional cover, then the following loading by age and sum insured shall be applicable on the premium payable
by the Insured Person.
Sum Insured (in ₹.) 75 Lacs and 1 crore
Age band Sum Insured (in ₹.) above 1 crore
0 to 35 years 0.20% 0.60%
36-55 years 0.60% 1.40%
Above 55 years 1.20% 2.70%
LOADING FOR OPTING TREATMENT
INCLUDING USA & CANADA:
LOADING FOR CO-PAY WAIVER COVER:
17. B. Long-term discount:
(applicable in case of single payment for policy term of more than one year)
A. Family discount:
10% discount is applicable in case of policies with more than 1 member covered under single proposal
with Individual sum insured option.
OTHER LOADINGS AND DISCOUNTS:
1 year Nil
2 years 7.5%
3 years 10%
Number of years Discount
DISCOUNTS
18. In case of policies which are on a long term basis, facility of instalment available. Given below are the
loadings applicable on Standard premiums in case of instalments:
Premium applicable for the primary insured will be the standard individual premiums from the premium table.
For remaining dependent members, floater discounts applicable on their respective premium is as per table above.
Monthly
Quarterly
Semi-annually
Annually
5%
4%
3%
0%
Instalment frequency Loading on standard premiums
Floater Discount: Applicable discount is as per the following table:
INSTALMENT
LOADING
0-17
18-25
26-30
31-35
36-40
41-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80
>=81
Age Bands
60%
55%
50%
45%
45%
40%
40%
40%
35%
35%
35%
35%
25%
25%
Floater Discount
19. BASIS OF CLAIM
PAYMENT
a) We shall make the payment in Indian rupees and only in India, except under "Medical Treatment Abroad",
"Emergency Ambulance Expense" and "Repatriation of Mortal Remains" benefits.
b) Claims related to Pre-existing Diseases:
We shall indemnify up to 50% of the sum insured in respect of a claim arising from any Pre-existing Diseases
that are specifically listed in the Schedule where the claim arises during the third year of continuous renewal
with Us of the Policy for the same Sum Insured and benefits in force under the Policy. We shall indemnify
up to 100% of the sum insured in respect of a claim arising from any Pre-existing Diseases that are
specifically listed in the Schedule from the fourth year of continuous Renewal with Us of the Policy for the
same Sum Insured. The above clause is applied subject to portability regulations
c) Co-payment applicability: The following Co-payment shall be applicable for claims under all Benefits other
than OPD Treatment:
i. Any Insured Person aged 61 years to 65 years, being covered for the first time in this policy shall bear
20% of each and every admissible claim and Our liability, if any, shall only be in excess of that sum.
There is no option to waive off this co-payment. This co-payment will be applicable for all subsequent
renewal policies.
ii. All claims admitted under “Medical Treatment Abroad” benefit will be subject to 20% co-payment.
The insured has an option to waive off this co-payment on payment of additional premium under
“Co-pay waiver” optional Cover.
**For further details, please refer to policy wordings on https://general.futuregeneral.in/customer-service/downloads.
20. If you are suffering from an illness/disease or if you meet
with an accident which requires hospitalisation,
please contact us on the following:
Claims Department
Future Generali Health (FGH)
Future Generali India Insurance Co. Ltd.,
Office No. 3, 3rd Floor, "A" Building, G-O-Square Wakad,
Pune - 411 057.
Email: fgh@futuregeneral.in
Toll Free Number: 1800 103 8889
Toll Free Fax: 1800 103 9998
In case of any claims related to ‘Medical treatment
Abroad’ ‘Emergency Ambulance Services (Outside India)’
and ‘Repatriation of Mortal Remains’ please contact
Europ Assistance India Pvt. Ltd.
7th Floor, Star Hub, Bldg No. 2, Near ITC Maratha Hotel,
Sahar Andheri East, Mumbai – 400059
Email ID: fgi@europ-assistance.in
India Helpline Number: 18002092333
Worldwide Helpline Number: +91 2267347841
Future Generali India Insurance Company Limited (IRDAI Regn. No.: 132) (CIN: U66030MH2006PLC165287)
Fax: 022-4097 6900 | Email: fgcare@futuregenerali.in | Website: www.futuregenerali.in
Call us at: 1800-220-233 | 1860-500-3333 | 022-67837800
ARN: FG-NL/PD/MKTG/EN/FGHEALTHELITE-25SEP2022-01BRO
VERSION NO: VER-ELIT-BRO-1.0-25SEP22
ISO No: FGH/UW/RET/264/02
FG HEALTH ELITE | UIN: FGIHLIP22234V012122
Regd. and Corp. Office: Unit No. 801 and 802, 8th
Floor, Tower C, Embassy 247 Park,
L.B.S. Marg, Vikhroli (W), Mumbai – 400083
For detailed information on this 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 tax laws. Insurance is the subject matter of solicitation.
Trade Logo displayed above belongs to M/S Assicurazioni Generali - Societa Per Azioni and used by
Future Generali India Insurance Co. Ltd. under license.