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Basic Details - apollo munich health - easy health premium

Incorporation Date : 22/11/2006
Company Name : HDFC ERGO Health
Fund Name : NULL Plan Group : Individual
Product Type : Individual Sub Product Type : Health
Health Insurance

Plan Benefits

* In-Patient Hospitalisation - The medical expenses for coverage for hospitalization      of more than 24 hrs.

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

* Post-Hospitalisation - The medical expenses you incur in the 90 days immediately      after you are discharged from hospital.

* Day-Care Procedures - The medical expenses for enlisted 144 day-care procedures,    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.

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

* Daily Cash for choosing shared accommodation - A lump sum amount given for        selecting a shared room in a network hospital

* Daily cash for Accompanying an Insured Child (less than 12 years) - A lump sum      amount paid if an adult accompanies an insured child during hospitalization.

* New Born Baby - An option is given to the policy holder to cover a new born baby   (from Age 1-90 days).

* Maternity Expenses - The maternity expenses incurred both before and after child      birth procedures.

* Ayush Benefit - The Medical expenses for in-patient treatment taken under               Ayurveda, Unani, Sidha and Homeopathy.

* Outpatient Dental Treatment - Covers the costs incurred for any dental treatments.    with a waiting period of 3 years

* Spectacles, Contact Lenses and Hearing Aids Every Third Year - Reasonable costs    upto 50% for one pair of spectacles or contact lenses or hearing aids.

* Recovery Benefit - Lump sum benefit of Rs. 10000, if hospitalisation is greater          than 10 consecutive days - (For sum insured 15 lacs & above)

* 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.

* E-opinion in Case of Critical Illness - A second opinion will be arranged from a          medical practitioner who is in the Apollo Munich panel (One opinion per policy          year).

* Additional Cover for Critical Illness (optional) - You can opt for an additional cover   for Critical Illness which covers for cancer, coronary artery (bypass) surgery, first       heart attack (myocardial infarction), kidney failure (end-stage renal disease), major     organ transplantation, multiple sclerosis, paralysis and stroke. The sum insured for     Critical Illness can be either 50% or 100% of your basic sum insured subject to     minimum of Rs. 100,000 & maximum Rs. 10, 00,000.

* Additional Cover for Critical Advantage Rider (optional) You can opt to cover            yourself worldwide at our network centers against treatment expenses for 8 major      illnesses that include Cancer, Coronary Artery by-pass surgery, Heart Valve              replacement / repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow      Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery. The rider o        offers you freedom to not only avail best healthcare services world over but also c      covers all travel costs for the insured and accompanying relative, accommodation      expenses, second opinion & post hospitalization expenses. This rider will be offered    where base policy Sum Insured is Rs.10 lacs & above. This rider can be issued to      an individual and/or family only on individual Sum Insured basis.

Others Benefits

* Cumulative Bonus - You get a Cumulative Bonus (CB) of 10% or every claim-free    year accumulating up to 100% (in the event of a claim, CB will be reduced by 10%    of SI on the next 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 Easy Health 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)