Health Insurance- Dengue Care

Please check below Dengue Care Health Insurance Plan By Apollo Munich.

Benefits	Sum Insured – Rs 50,000; 100,000
In-patient Treatment	Upto Sum Insured
Room Rent	Single Private A/c Room
Shared Accommodation Benefit	Covered
Pre-hospitalization	15 Days
Post-hospitalization	15 Days
Outpatient Treatment Pharmacy Diagnostic tests Outpatient Consultation Home nursing	Rs. 10,000
Wellness Offers	From time to time, we will provide insured the opportunity to purchase items or services curated by Us and related to prevention of Dengue on Our website or through other means. These items or services, which may be offered by Us or selected partners, may be offered with a discount or as part of a special scheme

Great customer service, 100% lifelong renewal, clear policy wordings and conditions, cashless access to the best 10,000 doctors and 4500 hospitals in over 800 cities, tax deduction under Section 80D, our healthcare and health insurance expertise and one of the fastest claims settlement in the Industry.

Premium:- 91 Days to 65 Year:- 578.00 INR + Service Tax

For More Detail:- Please contact Apurv Gourav +919970506893
Gourav Financial Services

Apollo Munich Health Insurance - Optima Restore Individual

Optima Restore Individual

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, we will restore the entire sum insured for you to use, at no extra charge. It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Eligibility:-

We offer coverage from the age of 5 years onwards with maximum entry age of 65 years. A dependent child can be covered from the 91st day (if either parents are covered under this policy).

You and/ or your family members namely spouse, dependent children, dependent parents / parents in law are eligible for buying this cover on individual sum insured basis. (we offer a family discount of 10% if 2 or more family members are covered under the same policy)

Maximum 6 members can be added in a single policy. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy.

Your premium at renewal may change due to a change in your age or changes in the applicable tax rate.

The policy period options include period of 1 or 2 years(s). (We offer 7.5% discount if you opt for a 2 year policy)

Plan Benefits:-

 In-Patient Hospitalisation - The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.

Pre-Hospitalisation - The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.

Post-Hospitalisation - The medical expenses you incur in the 180 days immediately after you are discharged from hospital.

Day-Care Procedures - The medical expenses for all day-care procedures covered, which do not require 24 hours hospitalization due to technological advancement, are covered.

Domiciliary Treatment - The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.

Organ Donor - Treatment expenses for the organ donor at the time of organ transplant.

Daily Cash for Choosing Shared Accommodation - A lump sum amount given for selecting a shared room in a network hospital.

Emergency Ambulance - Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).

Health Check-up - A comprehensive health check-up involving a number of medical tests only once at the end of a block of two continuous policy years. (For Sum insured above 15 lacs).

Restore Benefit - Automatic re-instatement of the basic sum insured, if the basic sum insured and multiplier benefit has been exhausted during the policy year. Basic sum insured will be re-instated only once in a policy year.

E-opinion - On request of the Insured person diagnosed with a crticial illness, We will arrange for a second opinion from a medical practitioner selected by the insured person from Our panel. This benefit can be availed once in a policy year.

Other Benefits

Multiplier Benefit - You get a bonus of 50% of the basic sum insured for every claim free year accumulating up to 100%. (In the event of a claim, the bonus shall be reduced by 50% of the Basic Sum Insured at the time of renewal).

Cashless Service - You need to obtain a pre-authorization for all planned admissions atleast 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the guide-book sent along with the policy.

Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the sum insured waiting period will apply afresh in relation to the amount by which the sum insured has been enhanced. However, the quantum of increase shall be at the discretion of the company.

Portability - If you are insured with some other company’s health insurance and you want to shift to us on renewal, you can. Our portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.

Tax Benefits - With the Optima Restore Individual Health Insurance Plan you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)

For More details Kindly contact Apollo Munich Health Insurance Advisor:- APURV GOURAV Mob:- +919970506893

Health Insurance :- Key Features & Benefits

The basic benefit of health insurance (also called mediclaim) i.e. covering the unforeseen medical expenses, there are few other features and benefits in most of the products offered in the market. Some of them are listed below:

Family Floater Policies: Most health insurance plans give the flexibility of covering up to 4 members of the family under the same plan with a slightly higher premium than an individual health insurance policy. It gives the flexibility of choosing say 4 or 5 lakhs of cover for the entire family. If one member in the family is hospitalized and uses about Rs. 2 lakhs for his treatment, then the rest 3 lakhs can be availed by others. It is very unlikely that more than 1 or 2 members would require hospitalization in the same year. Hence the family floater serves the purpose whoever in the family falls ill.

Hospitalization Cash Benefits: This benefit entitles the customer to cash benefits for every completed day of hospitalization, which helps him to take care of the increased financial burden incurred at the time of hospitalization, such as loss of earnings away from work and other expenses.

Cashless facility: There is a network of hospitals tied up with each insurance company which accepts the insured’s medical identity card (issued by the insurance company) for providing cashless facility to the insured. Hence either part or entire expenses are covered by the policy and the individual doesn’t need to spend from his pocket.

Pre-hospitalization and Post-hospitalization benefits Some mediclaim policies provide for up to 60 to 90 days of pre-hospitalization and post-hospitalization benefits, i.e. the cost of medical tests, medicines, scans, etc. This is usually provided under maternity benefits and treatments which do not require hospitalization.

Ambulance Charges In most cases the ambulance charges are taken up by the policy and the policy holder usually doesn’t have to bear the burden of the same.

Health check up Some health insurance policies have a facility of free health check-up for the well being of the individual if there is no claim made for certain number of years.

Cover for Pre-existing Diseases Some health insurance policies have a facility of covering pre-existing diseases after 3 or 4 years of continuously renewing the policy, i.e. if someone has diabetes, then after completion of 3 or 4 years of continuous renewal with the same insurer (depending on the plan offered and his age), any hospitalization due to diabetes will also be covered.

No-Claim Bonus Some health insurance policies provide a no-claim bonus. If there has been no claim in the previous year, i.e. if the person covered has not availed any hospitalization benefit, then a bonus is declared; either by reducing the premium or by increasing the sum assured by a certain percentage of the existing premium.

Tax Benefits of taking a Health Insurance Policy Under Section 80D of the Income Tax Act, income tax benefit is provided to the customer for the premium amount till a maximum of Rs. 15,000 for regular and Rs. 20,000 for senior citizen respectively.