Welcome to Policy Sahi Hai
Health Insurance
HEALTH INSURANCE
OUR BEST HEALTH INSURANCE PLAN
OPTIMA RESTORE
First of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the floater sum insured in case you exhaust it in a policy year.
Synopsis
First of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the floater sum insured in case you exhaust it in a policy year.
Highlight:
Restoration of the entire Sum Insured if used in the middle of the year at no additional cost
No claim bonus increases the insurance cover by 50% for one claim free year and then 100% for the consecutive claim free year
No sub-limits on hospital room rent or co-pay required
No loading on renewal premiums if a claim is made
Free Health Check up after every 2 Years
Daily Cash benefit to support Miscellaneous expenses
Family discount of 10% is available
Up to 10% discount at Apollo pharmacies
Get 7.5% discount by opting for two years policy
Life long policy renewal is available
Healthline service is also available free of cost which includes primary consultation, health related counseling, Nutrition and Diet
Free Health Risk Assessment which helps to profile your health status and provide recommendations on nutrition, diet and lifestyle
Tax rebate available as per provision of Income Tax Rules under section 80-D
Benefit:
Room Rent Limit
No Limit
Pre-Hospitalization Expenses
60 days
Automatic Restoration of Sum Insured
Yes, 100% of S.I
Pre-Existing Disease / Illness coverage
After 36 months, 24 months for specific diseases
Waiting Period for New Policy
30 days
Free Health Checkup
For SI 3 Lakh NA, For SI 5 Lakh Rs 1500, For SI 10 Lakh Rs 2000, For SI 15Lakh Rs 4000, For SI 20 Lakh, 25 Lakh, 50 Lakh Rs 5000
Ambulance Expenses
Up to 2000
Daily Hospitalization Allowance
Covered
Donor Expenses
Covered
No Claim Bonus
Up to 50% of basic sum insured, Max 100%
Day Care Procedure Coverage
All procedures covered.
Post Hospitalization Expenses
180 days
Minimum Hospitalization Period
24 Hrs
COMPREHENSIVE
Comprehensive Health Insurance is policy which offers exhaustive benefits for the entire family designed to eliminate your health worries. This plan would go a long way in alleviating your financial burden.
Synopsis
Comprehensive Health Insurance is policy which offers exhaustive benefits for the entire family designed to eliminate your health worries. This plan would go a long way in alleviating your financial burden.
Highlight:
Accidents are covered from Day 1
More than 400 Day Care procedures are covered
Coverage for Domiciliary hospitalization treatments
Expenses for delivery of Child is covered
Pre and Post birth expenses are included
Automatic coverage of new born
Automatic restoration of Sum Insured
Facility of Second Opinion from a Doctor in Company’s Network
No Medical tests are required up to 65 years of age
Life long policy renewal is available
No third party Administrator, direct in-house claims settlement
Network of more than 6000 Hospitals accorss India
Free medical consultation available over phone 24X7 Toll free helpline
Tax rebate available as per provision of Income Tax Rules under section 80-D
Benefit:
Room Rent Limit
No capping on room rent Treatment at Single Standard A/C room.
ICU Daily Rent Limit
Actual
Pre-Hospitalization Expenses
60 days
Post Hospitalization Expenses
90 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
All day care procedures Covered
Automatic Restoration of Sum Insured
Automatic Restoration can be used for Same illness & diseases
Pre-Existing Disease / Illness coverage
After 36 months of continuous coverage. By paying extra premium PED waiting period can be reduced to 12 months
Waiting Period for New Policy
30 days
Co-Payment
Up to 10% for age above 60 years
Medical Screening
No Medical required for age upto 65
Free Health Checkup
Health Check up for every claim free year
Ambulance Expenses
Available
Non-Allopathic Treatments
AYUSH treatment is covered
New Born Baby Cover
Covered
Donor Expenses
Special SI for Organ donor cover, covers Redo surgery and ICU admission for donor
Nursing Allowance
Covered
No Claim Bonus
100% Increase in Sum Insured upon a claim free renewal.
HAPPY FAMILY FLOATER
Happy Family Floater health insurance policy covers medical expenses incurred by the entire family under a single sum assured. Family includes self, spouse, children, parents and parent-in-laws
Synopsis
Happy Family Floater health insurance policy covers medical expenses incurred by the entire family under a single sum assured. Family includes self, spouse, children, parents and parent-in-laws
Highlight:
Mediclaim insurance cover for treatment against illnesses
Also Covers for accidental injuries and surgery requirement
No medical tests required up to 60 Years of Age
Cash allowance for the days admitted
Attendance allowance if a child between 3 months to 10 years is admitted
Add on option of Personal accident for self and dependents
Tax rebate available as per provision of Income Tax Rules under section 80-D
Benefit:
Room Rent Limit
1% for Silver and Gold Plan & For Diamond Plan: Rs.10,000 + 0.5% of the Sum Insured
ICU Daily Rent Limit
2% for Silver and Gold Plan & For Diamond Plan Rs.20,000 + 1% of the Sum Insured
Pre-Hospitalization Expenses
30 days
Post Hospitalization Expenses
60 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
Yes
Pre-Existing Disease / Illness coverage
After 48 months
Waiting Period for New Policy
30 days
Co-Payment
10% Co Pay under Silver plan
Ambulance Expenses
Up to 1000 per illness, max 1% or 3000
Donor Expenses
Yes
Nursing Allowance
Silver:-1 % of the SumInsured per day Gold:-1 % of the SumInsured per day Diamond-Rs.10,000 + 0.5% of theSum Insured above Rs.10lacs, per day
HEALTH COMPANION
Health Companion is a smart health Insurance plan which gives you the Option to Choose from a wide range of Benefits depending upon your need.
Synopsis
Health Companion is a smart health Insurance plan which gives you the Option to Choose from a wide range of Benefits depending upon your need.
Highlight:
Option to choose from a wide range of Cover from 2 lacs to 1 crore.
No limit on Day Care procedures.
Covers as many as 19 Relationships of the same Family.
Complimentary Health Check up as per the Plan eligibility.
Covers for Family members at any Age, no age Restriction.
Tax saving U/S 80D of the Income Tax act.
Get added benefit of in- patient Treatment under Ayurveda, Unani, Siddha & Homeopathy.
Avail cashless facility in across 3500 quality hospitals.
Benefit:
Room Rent Limit
Covered upto Sum Insured
ICU Daily Rent Limit
Covered
Pre-Hospitalization Expenses
30 days
Post Hospitalization Expenses
60 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
Covered upto sum insured
Automatic Restoration of Sum Insured
Upto sum insured
Pre-Existing Disease / Illness coverage
For SI upto 4 Lac after 48 Month of continuous coverage. For SI more than 4 Lac after 36 months of continuous coverage
Waiting Period for New Policy
30 days
Free Health Checkup
Variant I: Once in two years. Variant II and Variant II: Annual as per annexture
Ambulance Expenses
upto 3000
Non-Allopathic Treatments
Covered upto Sum Insured
Daily Hospitalization Allowance
upto 4000 per day
Donor Expenses
Covered
Attendant Allowance
NA
Nursing Allowance
Covered
No Claim Discount
NA
No Claim Bonus
happy-family-floater
MEDICARE FLOATER
Policy that that provides comprehensive health coverage.
Synopsis
Policy that that provides comprehensive health coverage.
Highlight:
Range of benefits: Indemnity based health insurance cover with range of benefits without any sub-limit unless otherwise mentioned.
4000+ networked hospitals across India.
Lifelong renewal
Sum Insured Restore Benefit
Consumables Benefit
Cumulative bonus
Tax Benefit under section 80 D of Income tax act.
Benefit:
Room Rent Limit
Covered
ICU Daily Rent Limit
Covered
Pre-Hospitalization Expenses
30 days
Post Hospitalization Expenses
60 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
Covered
Automatic Restoration of Sum Insured
Automatically restore the Basic Sum Insured upon exhaustion of the Sum Insured and accrued Cumulative Bonus, during the policy period.
Pre-Existing Disease / Illness coverage
Covered after 48 months of continuous coverage have elapsed.
Waiting Period for New Policy
30 days
Co-Payment
10% of the admissible claim if room category is higher than shared accomodation.
Medical Screening
Pre-Policy Check-up at our network may be required based upon the age and/or Sum Insured.
Free Health Checkup
At the end of a block of every continuous four claim free years, upto 1%of Sum Insured will be paid.
Ambulance Expenses
Covered
Non-Allopathic Treatments
Covered
Donor Expenses
The Medical and surgical Expenses of the organ donor for harvesting the organ where an insured person is the recipient.
No Claim Bonus
Medicare:-50% Bonus accumulating upt 100% Medicare Premier:-50% Bonus accumulating upt 100% Medicare Protect:10% accumulating upt 100%
FLOATER MEDICLAIM
New India Floater Mediclaim is a Policy designed to cover Hospitalisation expenses.
Synopsis
New India Floater Mediclaim is a Policy designed to cover Hospitalisation expenses.
Highlight:
Family discount is introduced and will be applied on the basis of the numbers of member covered.
Sum insured has been increased to 15 lakhs.
139 Day care procedures covered.
10% of Sum Insured as Additional benefit is paid in case of Critical illness is diagnosed
Benefit:
Room Rent Limit
Up to 1% of sum insured
ICU Daily Rent Limit
Up to 2% of sum insured
Pre-Hospitalization Expenses
30 days
Post Hospitalization Expenses
60 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
139 procedures
Additional Cover for Critical Illness
Yes
Pre-Existing Disease / Illness coverage
After 48 months and claim free renewal
Waiting Period for New Policy
30 days
Co-Payment
Yes
Free Health Checkup
Up to 50% for Pre-acceptance health checkup
Ambulance Expenses
Up to 1% of Sum Insured, Max – 2500
Non-Allopathic Treatments
Up to 25% of sum insured
Donor Expenses
Covered
Nursing Allowance
Up To 1% of sum insured