http://www.itrust.in/forum/posts/list/3.page JForum - http://www.jforum.net http://www.itrust.in/forum/posts/preList/938/1441.page http://www.itrust.in/forum/posts/preList/938/1441.page GMT • Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 1child,
the premium for a cover for 2 lac is 3702, 3 lac is 4708 like that.

Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
]]> http://www.itrust.in/forum/posts/preList/938/1448.page http://www.itrust.in/forum/posts/preList/938/1448.page GMT http://www.itrust.in/forum/posts/preList/938/4382.page http://www.itrust.in/forum/posts/preList/938/4382.page GMT
http://www.royalsundaram.in/health-insurance/family-health-insurance.aspx]]> http://www.itrust.in/forum/posts/preList/938/8009.page http://www.itrust.in/forum/posts/preList/938/8009.page GMT http://www.itrust.in/forum/posts/preList/938/8027.page http://www.itrust.in/forum/posts/preList/938/8027.page GMT
i am sujendra

The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured Thus there is considerable premium saving
Family Includes Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents Pre and Post Hospitalisation cover Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.


regards,

phe9oxis,

http://www.guidebuddha.com]]> http://www.itrust.in/forum/posts/preList/938/8306.page http://www.itrust.in/forum/posts/preList/938/8306.page GMT http://www.itrust.in/forum/posts/preList/938/8321.page http://www.itrust.in/forum/posts/preList/938/8321.page GMT
call me on 09004615672]]> http://www.itrust.in/forum/posts/preList/938/8417.page http://www.itrust.in/forum/posts/preList/938/8417.page GMT http://www.itrust.in/forum/posts/preList/938/8423.page http://www.itrust.in/forum/posts/preList/938/8423.page GMT http://www.itrust.in/forum/posts/preList/938/8424.page http://www.itrust.in/forum/posts/preList/938/8424.page GMT http://www.itrust.in/forum/posts/preList/938/8425.page http://www.itrust.in/forum/posts/preList/938/8425.page GMT http://www.itrust.in/forum/posts/preList/938/8478.page http://www.itrust.in/forum/posts/preList/938/8478.page GMT http://www.itrust.in/forum/posts/preList/938/8479.page http://www.itrust.in/forum/posts/preList/938/8479.page GMT http://www.itrust.in/forum/posts/preList/938/8480.page http://www.itrust.in/forum/posts/preList/938/8480.page GMT http://www.itrust.in/forum/posts/preList/938/8481.page http://www.itrust.in/forum/posts/preList/938/8481.page GMT http://www.itrust.in/forum/posts/preList/938/8482.page http://www.itrust.in/forum/posts/preList/938/8482.page GMT http://www.itrust.in/forum/posts/preList/938/8733.page http://www.itrust.in/forum/posts/preList/938/8733.page GMT Visit : http://www.maxbupa.com/foryouyourFamily/Heartbeat.aspx]]> http://www.itrust.in/forum/posts/preList/938/9578.page http://www.itrust.in/forum/posts/preList/938/9578.page GMT ]]> http://www.itrust.in/forum/posts/preList/938/14867.page http://www.itrust.in/forum/posts/preList/938/14867.page GMT ]]> http://www.itrust.in/forum/posts/preList/938/15863.page http://www.itrust.in/forum/posts/preList/938/15863.page GMT pls contact jsenthil2008@yahoo.com, jsenthil@birlasunlife.in or 9791990717]]> http://www.itrust.in/forum/posts/preList/938/34314.page http://www.itrust.in/forum/posts/preList/938/34314.page GMT

Regards
Jay
D.O
Banagalore
]]> http://www.itrust.in/forum/posts/preList/938/35083.page http://www.itrust.in/forum/posts/preList/938/35083.page GMT i would like to take family mediclaim policy for that what to do]]> http://www.itrust.in/forum/posts/preList/938/37915.page http://www.itrust.in/forum/posts/preList/938/37915.page GMT i would like to take family mediclaim policy for that what to do[/quote]

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]]> http://www.itrust.in/forum/posts/preList/938/45036.page http://www.itrust.in/forum/posts/preList/938/45036.page GMT http://www.itrust.in/forum/posts/preList/938/85666.page http://www.itrust.in/forum/posts/preList/938/85666.page GMT http://www.itrust.in/forum/posts/preList/938/85667.page http://www.itrust.in/forum/posts/preList/938/85667.page GMT