Professional Documents
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Health Recharge
Health Recharge
Health
Recharge
S U P E R T O P - U P P L A N
GO THE
EXTRA
MILE FOR
YOUR LOVED
ONES.
NOW GET
` 95 LACS
MEDICAL COVER
WITH `5 LACS DEDUCTIBLE IN JUST
4,339
(1)
`
ONLY
Key Features
PRE & POST HOSPITALISATION
COVERAGE Up to `95 Lacs MEDICAL EXPENSES: Covered up
to Sum Insured
Version: HR V2 Tele Mar’20 (95L)
Critical illness cover Options available: 1Lac to 10Lacs (in multiple of 1 Lac)
7.11 Dietary supplements and substances that can be purchased 7.23 Sexually transmitted Infections & diseases (other than HIV /
without prescription, including but not limited to vitamins, AIDS):
minerals and organic substances unless prescribed by a Screening, prevention and treatment for sexually related infection or
Medical Practitioner as part of Hospitalization claim or Day disease (other than HIV / AIDS).
Care procedure (Code-Excl14)
7.24 Sleep disorders:
7.12 Refractive Error (Code-Excl15) Treatment for any conditions related to disturbance of normal sleep
Expenses related to the treatment for correction of eye sight due to patterns or behaviors.
refractive error less than 7.5 dioptres.
7.25 Any treatment or medical services received outside the
7.13 Unproven Treatments (Code-Excl16) geographical limits of India.
Expenses related to any unproven treatment, services and supplies
II. The Company may cancel the policy at any time on grounds of A. You proposed to add an Insured Person to the Policy
misrepresentation non-disclosure of material facts, fraud by the B. You change any coverage provision
insured person by giving 15 days’ written notice. There would be no III. iii. Renewal premium will alter based on individual Age. The
refund of premium on cancellation on grounds of misrepresentation, reference of Age for calculating the premium for Family Floater
non-disclosure of material facts or fraud. Policies shall be the Age of the eldest Insured Person.
For the purpose of this clause, the expression “fraud” means any of lnsured Person will have the option to migrate to similar health
the following acts committed by the insured person or by his agent or insurance product available with the Company at the time of renewal
the hospital/doctor/any other party acting on behalf of the insured with all the accrued continuity benefits such as cumulative bonus,
person, with intent to deceive the insurer or to induce the insurer to waiver of waiting period as per IRDAI guidelines, provided the policy
has been maintained without a break.
Base Sum Insured (SI) per Policy Year (in Lacs) 2L 3L/4L 5 L / 7.5 L / 10L / 15L / 25L / 40L / 45L / 65L /
70L / 90L / 95L
Annual aggregate Deductible E-saver: 10k, 25k, 50k
Super Top-up: 1L to 10L in multiples of 1L
Baseline cover benefits
In-patient treatment
Nursing charges for Hospitalization as an inpatient
excluding Private Nursing charges
Medical Practitioners’ fees, excluding any charges
or fees for Standby Services
Physiotherapy, investigation and diagnostics
procedures directly related to the current
admission
Medicines, drugs and consumables as prescribed Covered up to Sum Insured
by the treating Medical Practitioner
Intravenous fluids, blood transfusion, injection
administration charges and /or consumables
Operation theatre charges
The cost of prosthetics and other devices or
equipment if implanted internally during Surgery
Intensive Care Unit charges
Room Rent (per day) Up to 1% of Base Sum Insured per day Single private room; up to Sum Insured
Pre-Hospitalization Medical Expenses (60 days) Covered up to Sum Insured
Post-Hospitalization Medical Expenses (90 days) Covered up to Sum Insured
Day Care Treatment Covered up to Sum Insured
Domiciliary treatment Covered up to Sum Insured
Alternative treatment Covered up to Sum Insured
Living Organ Donor Transplant Covered up to Sum Insured
Emergency Ambulance Up to Rs.1,500 per hospitalization
e-Consultation Unlimited tele / online consultations
Pharmacy and diagnostic services Available through our empanelled service provider
Increase of 5% of expiring Base Sum Insured in a Policy Year; maximum up to 50% of
Loyalty Additions Base Sum Insured; no increase in sub-limits (This benefit is applicable only for Base Sum
Insured up to Rs. 25 Lac)
Mental Disorders Treatment Covered up to Sum Insured (sub-limit applicable on few conditions)
HIV / AIDS Covered up to Sum Insured
Artificial Life Maintenance Covered up to Sum Insured
Modern Treatments Covered up to Sum Insured (sub-limit applicable on few conditions)