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Individual Medishield Insurance Policy

                                                                                                                   

                         

Individual Health insurance Cover policy 


 

 

 
 

What does the policy cover?

In the unfortunate event of you or your family members meeting with an illness or accident resulting in hospitalization, our Health Insurance gives you a cash free hospitalization in more than 3000 hospitals acrossIndia. Our Health Insurance also reimburses the expenses during Pre - Hospitalization and Post - Hospitalization stages of treatment.

  • Pre-Hospitalization:
    • Medical expense incurred 60 days prior to the hospitalization are reimbursed.
  • Hospitalization:
    • All expenses including the following reimbursed: 

Room and board, doctors' fee, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses,  anesthesia and oxygen administration expenses, Room, boarding & nursing expenses for normal room/ICU limited to 1% /2.5% of basic sum insured per day respectively.

  • Post-Hospitalization: 
    • Once discharged from hospital, the policy shall pay for medical expenses related to the hospitalization, for a period of 60 days after discharge. 
  • Hospital Daily Allowance:
    • In addition to hospital expenses, a daily hospital allowance will be paid for the period of hospitalization.
  • Emergency Assistance Service:
    • In the event of an emergency, assistance services like medical consultation, evaluation and referral, emergency medical evacuation, care for minor children etc are provided. 
  • Local Ambulance Service:
    • In the event of an emergency, cover is provided for expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available. 
  • General Health Check-up:
    • You will be reimbursed the expenses incurred for general health examination (once in a block of 4 claims free years) 
  • Cumulative bonus:
    • You will be provided with a 5% extra sum insured for every claims free year subject to a maximum of 50% of capital sum insured. 
  • Benefits under Section - 80D:
    • Premium upto Rs. 35,000 is eligible for deductions under Section 80D of Income Tax Act, 1961. However there are sub-limits within this over-all limit. Premium upto Rs 15,000 is eligible for tax deduction for self, spouse and dependant children. Additionally, premium upto Rs 20,000 is eligible for tax relief or parents health cover if they are senior citizens (otherwise Rs 15,000 is eligible) 

ITGI's Medishield policy ensures comprehensive coverage by offering value added features, at a nominal increase in premium, like:

  • Critical illness extension:
    • You will be covered for 10 named critical illness for double the basic cover sum insured at 40% of the basic cover premium 

What does the policy not cover?

  • Diseases, which have been in existence at the inception of the policy
  • Illness that commenced during the first 30 days of inception of the first policy.
  • Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, in the first year of insurance. However, on renewal, these exclusions shall not apply. For a complete list of exclusions, refer to the policy.

Medishield (Individual Plan) covers

  • Hospitalization
  • Pre-hospitalization
  • Post - Hospitalization.
  • Emergency Assistance Service
  • Local Ambulance Service.

 

What does the policy cover?

In the unfortunate event of you or your family members meeting with an illness or accident resulting in hospitalization, our Health Insurance gives you a cash free hospitalization in more than 3000 hospitals acrossIndia. Our Health Insurance also reimburses the expenses during Pre - Hospitalization and Post - Hospitalization stages of treatment.

  • Pre-Hospitalization:
    • Medical expense incurred 60 days prior to the hospitalization are reimbursed.
  • Hospitalization:
    • All expenses including the following reimbursed: 

Room and board, doctors' fee, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses,  anesthesia and oxygen administration expenses, Room, boarding & nursing expenses for normal room/ICU limited to 1% /2.5% of basic sum insured per day respectively.

  • Post-Hospitalization: 
    • Once discharged from hospital, the policy shall pay for medical expenses related to the hospitalization, for a period of 60 days after discharge. 
  • Hospital Daily Allowance:
    • In addition to hospital expenses, a daily hospital allowance will be paid for the period of hospitalization.
  • Emergency Assistance Service:
    • In the event of an emergency, assistance services like medical consultation, evaluation and referral, emergency medical evacuation, care for minor children etc are provided. 
  • Local Ambulance Service:
    • In the event of an emergency, cover is provided for expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available. 
  • General Health Check-up:
    • You will be reimbursed the expenses incurred for general health examination (once in a block of 4 claims free years) 
  • Cumulative bonus:
    • You will be provided with a 5% extra sum insured for every claims free year subject to a maximum of 50% of capital sum insured. 
  • Benefits under Section - 80D:
    • Premium upto Rs. 35,000 is eligible for deductions under Section 80D of Income Tax Act, 1961. However there are sub-limits within this over-all limit. Premium upto Rs 15,000 is eligible for tax deduction for self, spouse and dependant children. Additionally, premium upto Rs 20,000 is eligible for tax relief or parents health cover if they are senior citizens (otherwise Rs 15,000 is eligible) 

ITGI's Medishield policy ensures comprehensive coverage by offering value added features, at a nominal increase in premium, like:

  • Critical illness extension:
    • You will be covered for 10 named critical illness for double the basic cover sum insured at 40% of the basic cover premium 

What does the policy not cover?

  • Diseases, which have been in existence at the inception of the policy
  • Illness that commenced during the first 30 days of inception of the first policy.
  • Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, in the first year of insurance. However, on renewal, these exclusions shall not apply. For a complete list of exclusions, refer to the policy.

Medishield (Individual Plan) covers

  • Hospitalization
  • Pre-hospitalization
  • Post - Hospitalization.
  • Emergency Assistance Service
  • Local Ambulance Service.

IMI Rates with Service Tax (without Critical Illness)

Sum Insured 
(Overall Liability
)

Upto 25
Years  

26-35  
Years 

 36-45 
 Years

 46-55 
 Years

 56-65 
Years

 66-70 
Years

100,000

1716

2203

2709

4272

6434

13156

150,000

2109

2532

3084

5007

7335

14999

200,000

2503

2860

3459

5743

8236

16843

250,000

2997

3425

4136

6620

10008

18458

300,000

3492

3990

4812

7497

11780

20073

350,000

3925

4485

5409

8520

13350

21827

400,000

4357

4979

6005.

9544

14920

23582

450,000

4790

5473

6601

10567

16554

25015

500,000

5223

5968

7197

11590

18188

26449

 

 

IMI Rates with Service Tax (with Critical Illness)

Sum Insured 
(Overall Liability)

Upto 25
Years  

26-35  
Years 

 36-45 
 Years

 46-55 
 Years

 56-65 
Years

 66-70 
Years

100,000

2231

2865

3521

5554

8364

17103

150,000

2742

3291

4009

6510

9536

19499

200,000

3253

3718

4497

7465

10708

21896

250,000

3897

4453

5377

8606

13011

23995

300,000

4540

5187

6256

9746

15314

26095

350,000

5102

5830

7031

11077

17355

28376

400,000

5665

6473

7806

12407

19397

30656

450,000

6227

7116

8582

13737

21521

32520

500,000

6790

7758

9357

15067

23645

34384

 

 

  • Family discount is available (5% for 2 people, 10% for 3 or more people).
  • Benefits / rates given in the leaflet are indicative Maximum
  • Entry Age: 5- 55 years (medical reports required above 45 years of age)
  • Rates inclusive of service tax.

Medishield (Individual Plan) covers

Premium upto Rs. 35,000 is eligible for deductions under Section 80D of Income Tax Act, 1961. However there are sub-limits within this over-all limit. Premium upto Rs 15,000 is eligible for tax deduction for self, spouse and dependant children. Additionally, premium upto Rs 20,000 is eligible for tax relief or parents health cover if they are senior citizens (otherwise Rs 15,000 is eligible)

 

 

 



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Get In Touch

 

customercare@saubhagyaenterprises.in
      
      Contact us at: 011-22571217