No matter how careful you are, illnesses do occur. And with medical costs spiraling out of control, even a minor ailment can turn out to be a major drain on your household expenditure.
To ensure that you do not have to compromise on the treatment of your loved ones, our New Healthwise policy, provides you financial help for any number of sickness or accidental injuries. In short, it not only takes care of your health but also protects your accumulated wealth.
Unique Feature of the Policy :
Comprehensive Health Insurance : “New Healthwise”is a comprehensive health insurance product providing health insurance to individuals and families. Age Criteria : The age limit is 55 years and no medical check required. Optional Cover : The policy provides with a wide range of sum insured to choose from and an option to cover spouse, children and dependent parents. Tax Benefit : You shall be eligible for a tax benefit under Section 80D.
Benefits Under the Policy: -
The scale of benefits payable is described below:
Hospital Room Expenses : Benefit of up to 1% of sum insured or Rs 5,000 per day, whichever is lower towards expenses of the hospital room. For intensive care, the benefit is 2% of sum insured or Rs 10,000 per day, whichever is lower.
Specialist Fees : Benefit of up to 40% of sum insured towards reimbursement of costs incurred for a surgeon, anesthetist, consultant, medical practitioner, specialist, etc.
In- Hospital Medical Treatment : Benefit of up to 20% of sum insured or a maximum of Rs 25,000 towards the costs of hospitalization for Homeopathic, Ayurvedic or other similar recognized treatments.
Ambulance Charges : Benefit of up to 1% of sum insured or Rs 2,000 per claim, whichever is lower. Health Check-up : Benefit of Rs 750/- per person insured towards a health check-up, after 4 consecutive claim free years.
Organ Donor Hospitalization : Benefit of up to 100% of sum insured towards of reimbursement of costs incurred by a donor in case of an organ transplant for the insured.
Hospital Cash : Benefit of 1% of sum insured per claim in case of 15 days continuous hospitalization.
Additional Benefits:
This product is designed to offer greater convenience and hassle free claims settlement. The additional benefits available under this policy are: Cashless treatment at more than 4,250 affiliated hospitals Easy Payment options – by credit card or cheque 5% Bonus on Sum Insured for every claim free year.
Coverages at a Glance:
New Healthwise has a whole lot of covers such as: In hospitalization medical treatment from sickness and injury- This includes costs for hospital room, specialists’ fees, expenses for ambulance, health check up and organ donor hospitalization along with hospital cash. New Healthwise also pays up to Rs. 750 per person towards health check-up (after 4 consecutive claim free-years)
