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Swasthya Kawach (Family Health Insurance 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 Swasthya Kavach (Family Health) Policy gives protection cover for you and your family for any injury or disease related contingencies like hospitalization, medical expenses, surgical expenses, organ transplantation, etc. The Policy also offers unique Critical Illness Coverage (Optional) for the family and is available under two variants- Base plan and Wider Plan and covers the following:

  • Pre-Hospitalization:
    • Medical expenses incurred 30 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 expenses for normal room/ICU limited to 1% /2% of sum insured per day for Base Plan and 1.5%/2.5% of basic sum insured for Wider Plan respectively. There are also restrictions on other hospital expenses in accordance with the room rent under the Base Plan.

  • Post-Hospitalization: 
    • Once discharged from hospital, the policy shall pay for medical expenses related to the hospitalization, for a period of 30 days after discharge subject to specified limits under Base Plan and 60 days after discharge under wider plan. 
  • Day care surgeries:
    • The policy covers 121 defined day care surgeries that requires less than 24 hours hospitalization and ordinarily fall outside the scope of most health insurance policies.
  • Hospital Daily Allowance:
    • In addition to hospital expenses, a daily 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) – Applicable only under Wider Plan 
  • 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- Applicable only under Wider Plan
  • Benefits under Section - 80D:
    • Premium upto Rs. 15,000 is eligible for self, spouse and dependant children with deductions under Section 80D of Income Tax Act, 1961. 

ITGI’s Swasthya Kavach Policy ensures comprehensive coverage by offering value added features, at a nominal increase in premium, like:

  • Critical illness extension for family:
    • You will be covered for 10 named critical illness for double the basic cover sum insured. 10 Critical Illness include: Paralytic Stroke, Cancer, Renal Failure, Coronary Artery Disease, Major Injuries, End Stage Liver Disease, Major Burns, Coma, Major Organ Transplant and Multiple Sclerosis 

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.
  • During the first year of the Policy, the expenses on treatment of diseases such as Tonsillitis/ Adenoids, Gastric or Duodenal Ulcer, any type of Cyst/ Nodules/ Polyps, any type of Breast lumps.
  • During the first two continuous years of the insurance with us, the expenses on treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis, Choletithiasis and Cholecystectomy, Inter- vertebral Disc Prolapse (other than caused by an accident), Osteoarthritis, Varicose Veins / Varicose Ulcers etc.
  • Naturopathy, acupuncture, magnetic treatment, alternative medicines, etc
  • Under the Base Plan, during the first two continuous years of the Policy, the expenses on treatment of diseases such as Renal Failure, Heart Diseases, any type of Carcinoma/Sarcoma/Blood Cancer.

For a complete list of exclusions, refer to the policy. 

Swasthya Kavach (Family Health) covers

  • Hospitalization
  • Pre-hospitalization
  • Post - Hospitalization.
  • Emergency Assistance Service
  • Local Ambulance Service.
  • Critical Illness extension (Optional)

Indicative Premium

 

Sum Insured options under this policy are Rs 2 lacs, 3 lacs, 4 lacs and 5 lacs only.

(Base Plan) 2 Adults + 2 children

 

YEARS

 Upto 25 years 

 26-35  years    

 36-45  years  

 46-55  years  

 56-60  years 

 61-65   years

S.I

200,000

3,150

3,443

4,310

6,525

9,218

11,523

300,000

3,663

3,976

5,200

9,293

13,206

16,508

400,000

4,570

4,961

6,229

11,829

16,910

21,138

500,000

5,478

6,259

7,777

13,791

19,788

24,735

 

 

(Wider Plan) 2 Adults + 2 Children

 

YEARS

 Upto 25 years 

 26-35  years    

 36-45  years  

 46-55  years  

 56-60  years 

 61-65   years

S.I

200,000

3,652

3,974

5,297

8,458

11,949

14,936

300,000

4,852

5,544

7,038

12,046

17,119

21,399

400,000

6,054

6,918

8,782

15,334

21,920

27,400

500,000

7,257

8,292

10,526

18,622

26,721

33,401

 

 

(Wider Plan with Critical Illness) 2 Adults + 2 Children

 

YEARS

 Upto 25 years 

 26-35  years    

 36-45  years  

 46-55  years  

 56-60  years 

 61-65   years

S.I

200,000

4,565

4,968

6,622

10,573

14,936

18,670

300,000

6,065

6,930

8,798

15,058

21,399

26,749

400,000

7,568

8,648

10,978

19,168

27,400

34,250

500,000

9,071

10,365

13,158

23,278

33,401

41,751

 

 

  • Benefits / rates given are indicative Maximum
  • Entry Age: Proposer: 18 years to 60 Years and dependent children: 91 days to 23 years (medical reports required for age of 45 years and above
  • Photographs of all insured members compulsory
  • Rates not Inclusive of Service Taxes. 

SECTIONED 80D INCOME TAX BENEFITS: 
Premium upto Rs. 15,000 is eligible for tax deductions for self, spouse and dependant children under Section 80D of Income Tax Act, 1961.

 

 

 
 Base Plan Premium for Swasthya Kawach
Wider Plan With critical Illness Premium for Swasthya Kawach
Wider plan premium for Swasthya Kawach



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Get In Touch

 

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