Akshar Group

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One Health Floater

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Synopsis:

Comprehensive Health insurance Plan

Highlight:

In patient Hospitalization: for hospitalization expenses like Doctor's fees, operation theatre cost, surgery cost,anaesthetist charges and nurse charges
Day care treatment cover- for expenses of modern procedures that do not require 24 hrs hospitalization admission (for e.g. cataract surgery)
Pre and Post Hospitalisation expenses are covered
Ambulance cover: for expenses incurred for emergency road ambulance
Organ Donor expense cover- for hospitalization expenses of the person who is donating organ for the use of Insured person
Domiciliary Hospitalization cover
IVF treatment cover
Bariatric Surgery cover
Psychiatric cover
Lasik surgery cover
Cumulative Bonus- which once accrued, is not reduced even if you claim
Free annual health check up for all adult insured persons irrespective of claims

Benefit:

Title	Description
Room Rent Limit	Under Support and Support Plus 1% of SI. Under Shield and Premier Plan No room rent capping.
ICU Daily Rent Limit	Under Support and Support Plus 2% of SI. Under Shield and Premier Plan No ICU rent capping.
Pre-Hospitalization Expenses	For Support and Support Plus 30 days. For Shield and Premier 60 days.
Post Hospitalization Expenses	For Support and Support Plus 60 days. For Shield and Premier 90 days.
Minimum Hospitalization Period	24 hours
Day Care Procedure Coverage	Covered up to Sum Insured
Additional Cover for Critical Illness	Optional
Automatic Restoration of Sum Insured	Up to 100% of Sum Insured
Pre-Existing Disease / Illness coverage	After 4 years under support plan, after 3 years under Support Plus and Shield, after 2 years under Premium Plan.
Waiting Period for New Policy	30 days.
Co-Payment	10% or 20% co-payment optional cover and avail discount on premium.
Free Health Checkup	Annual free health check-up irrespective of claims in a policy year.
Ambulance Expenses	For Support Up to Rs 2000, under Support Plus up to Rs 5000, Under Shield up to Rs 7500, under Premium Rs 10000
Non-Allopathic Treatments	Under Support Plan Covered up to 10% of SI, Under Support Plus Covered up to 50% of SI, Under shield and premium Plan Covered upto SI.
New Born Baby Cover	Up to Rs 50000 under Premium Plan
Daily Hospitalization Allowance	Support Plus:-500 per day, Shield:-1000 per day, Premium:-1500 per day
Donor Expenses	Covered up to Sum Insured
No Claim Bonus	Support Plan :-10% of SI Max 50%, SUpport Plus Plan :-10% of SI Max 1000%, Shield Plan :-20% of SI Max 100%, Premium Plan :-33.33% of SI Max 100%,