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Product Information
Health Super saver is a Retail Health Product with 2 plan options: Health Super Saver 1X plan and Health Super saver 2X plan.
Maternity Expenses
Maternity expenses will be covered after waiting period of only 9 months from policy inception with us We will also cover Pre-natal Medical Expenses incurred on Hospitalisation for a period of 90 days prior to the date of delivery and Post-natal Medical Expenses incurred on Hospitalisation for up to a period of 45 days immediately following the date of delivery.
All plans are available with individual and floater option and with lifelong renewal facility.
Sum Insured (in Rs.) 3 lacs 4 lacs 5 lacs 6 lacs 10 lacs 15 lacs 20 lacs 25 lacs 50 lacs
Plans Health Super Saver 1X plan
Health Super Saver 2X plan.
Coverage Basis Individual/ Family Floater Basis
* Family floater means the sum insured shall be floating over the insured members
Family Definitions Self, Spouse, Up to 4 Children, 2 Dependent Parents And /Or 2 Dependent Parents in law
Policy Term 1 Year
Features Of The Product
Super Saver Discount For Health Super Saver 1X plan option, in case, your first year of plan tenure is claim free, you are eligible for Super Saver discount of 80% in the consecutive year For Health Super Saver 2X plan option, in case, your first 2 years of plan tenure are claim free, you are eligible for Super Saver discount of 80% for next consecutive 2 years, or up to first claim, whichever is earlier The plan opted will be common for all members covered under the policy irrespective of Individual and Floater sum insured options. In case there is no claim paid for an insured in an individual policy, the Super Saver discount would be applied for that respective individual’s premium only. In case of claim paid in the first year under 1X plan or in the first 3 years under 2X plan for any insured under the individual policy, the Super Saver discount will not be applicable to the insured. However at the time of renewal Insured has an option to start a new cycle under 1X Plan or 2X plan. In such case, he/she will be covered under a separate policy with new plan tenure on individual sum insured basis. In case there is no claim paid for any of the insureds covered under the floater policy, the Super Saver discount would be applied on total policy premium. In case of claim paid for any insured under the floater policy, the Super Saver discount will not be applicable. However the policy can be renewed with a new cycle under 1X Plan or 2X plan Irrespective of the plan tenure, premiums applicable are on yearly basis An insured has an option to change the plan, sub limit options and sum insured at the time of renewals in case of claim under the expiring policy. Family discount - 10% discount in case of policies with more than 1 member covered under single proposal with Individual sum insureds. Instalment Facility - Available for the policy. Loadings on standard premium will be applicable in case instalment facility is opted.
Instalment frequency Loading on standard premiums
Monthly 5%
Quarterly 4%
Half-yearly 3%
Pre-insurance medical examination – Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured opted. Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance and 64 VB compliance. Loading on Claim experience – There will be no loading on premium for adverse claims experience. Tax benefit – Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.
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