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INTRODUCING HEALTH UNLIMITED A HEALTH INSURANCE THAT GOES ON AND ON AND ON ON ON AND ON Welcome to the world of Unlimited Health Insurance.* ON AND ON ON AND ON AND ON ON AND ON ON AND ON ON AND ON 0N AND 0N ON AND 0N ON AND ON AND 0N.
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Why choose Health Unlimited? Unlimited RefillsA Up to 100% of sum insured at no extra cost. Unlimited Coverage A For any one claim during the entire policy period. Inflation Guard A Protection against rising costs. Premium PaybackA Discount on renewal premium in the 5th year, equivalent to the 1st year base premium. O.
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Key Benefits Cumulative Bonue: Shall be increased by 50% in respect of each claim-free policy year. In the event of a claim, the cumulative borus shall be reduced by 50%, subject to minimum amount of Complimentary health checkup available every policy year. 4 WeUneee Diecount: Rewards eql.ivalent to 20% of the policy premium can be eamed through the wellness programme which can be utiised as discotnt at renewals. Accidental An additional S.I. equivalent to 25% of balance S.I. max. up to ZIO lakhs shall be available for hospitalisation claims arising out of No eublimite for cataract, road ambulance, ard LASIK-.
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Other Features No Loading based on past claims. Free Look Period: You Will be aDowed a free look period of 30 days from the date of receipt of the polt-y document 00 4 o Premium Inatallment Facifity: Sirgbe, Half-yearty, Quarterly, and Monfily in case of long-term pobcies. Tax Benefit: Premiums paid by any mode other than cash and demand draft are eligibe for tax rebate, as provided under Section 80-0 of the Income Tax Act cancellation: You may cancel the pobcy by giving 7 days' written notice.
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A. Value-added Services Inar«R) 7.5k 11,25L 50L,1001- on and Complete Blood Ccunt (CBC), bbmoglobin Bectrocardioyam (ECG an MD Rysicim), Scum Cratinine, Low Dg•jsiy Lipprotens (LDL), Sgum Trigiyorides, Density I-Ooyoteins (HDIJ, Serum Medical aaninion reprt induding Blod Pressure and BM (Bow Mass Uric Acid, TOW Room, B'lnuury Functon Tea. Bood Ccunt (CBC), *o$ed }hernogobil q, Elctocardogarn (ECG MD Physicim), Serum Crgathine, I-ON DensiV I-jpprotgins (LDIJ, Sgum Trigyori&s, I-lidl Dg-ldty' Lipprotgins (HOV, Sgum Cholsterol Medical amiraim reprt includng Blood Przsure and BMI (BCO Index), Glutamic Trmærnnasg (SOT), Sgrum Glutamic Pyruve Trmsarnirnæ SGPT), Calcirn, Chic kid, TOMI Rotoin, Pulmmary R.nctjon Tct, IJS bbcbmen). Complete Blood Ccunt (CPC), bhemoglobin Bectrocardioyam (ECG an MD Rysicim), Scum Cratinine, I-cw Dg•jsiy Lipprotens (LDL), Sgum Trigb•orides, Density I-Ooyoteins (HDIJ, Serum Medical aminon repat induding Pressure and BMI Mæs Inda), Sgum Glume Cbaloagtic Trmæminæg (SOT), Serum Glume Pgrwic Travamiruæ (SGPT), Vimin D, TIMO" function Serum Calcium, Urt Acid, Total Proten Ällmonay Funcjon I-JSG.
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Eligibility Sun Insured Age Chil&en Relationship Poliq Term Premiurn Mcde Poliq ype a.5L, t10L, t15L, Q5L, t50L, tlOOL, QOOL Milimum- 18 years Mairrurn - 65 pars Milimum- 91 Mairrurn - 25 pars unor Farni* Amtg .ousüo-in &lihrgt, pagÜ/prg•en-W' (ether M one ot Famib• Flcaer - Set We-in pamg/spouse, dependent chil&en (rna. up to @üäüSÄepaat9 floor polig cm *en. Milimum Policy Term- Mainum POIS' Tcm- Sing Indüidual / Non-flmtg and fanu floor W"ütng Periods to dl Sum Insured options) sing Waiting Periti 'O i%iting Period Disease V%itng Pgbd 36 months Applimblg 24/ 36 morths bod on conditims.
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Schedule of Benefits Sum hswed In-patient Hmp*äion mom Rent umn- Normal mom Rent umn- ICU DO' (he Tranen Expg-•s Pre-hæpitalisajon Mediml Expenses Mel Expenses Dcnor Expenses Modern TrüT1ert Mgt10ds & A&mcerngnt in Tchnolqies AYUSH Trang-it Expensc - 36 MontlS) ant] as Lakhs UptoSl Shgle Pit Lakhs UptoSl Single Bue Covers Up D Sl Shgle Wt. u Lakhs IJptoSl UptoSI Lakhs I-IPDSI I-JpjSI r' 00 Lakhs I-VD Sl I-VD SI Lakhs I-Jpmg Singb Pi't Room mems a single hospiül room wittvWithout m air-cmditioned fadliV where a singb patient is accommo&t4 and which hæ an atached toibt (Watory and bath). The room iould hae tho fcr accornrnoÜng aten&nt, This a suiO room aecuWe üe rcom or uy Otler rooms me sute or aecutüe suite ü40ry. UptoSI UptoSI 60 90 D" UptoSI UptoSI UptoSI x x UptoSl UptoSI 60 90 D" UptoSI UptoSl UptoSI x x 60 ?40K IJptoSI IJptoSI 10 IJptoSI UptoSI IJptoSI I-IPDSI Up D SI 60 IJPbSl IJptoSI I-VD Sl I-t)toSI 60 D" 180 mp I-t)toSI I-VD SI rt.i51±s rt.15 I-IPDSI 60 LIPO 9 r-1.351dhs MaterniV bgngfits are mly polighol&r hued self md policyhoher's .ousa/We-il insured. Both the stf am spouse iOJId be for 36 rnmths f« tlis to effecti€e..
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Schedule of Benefits Acddental Ho.iäWon Blvgøng Rmd An-bulancg Blvrgeng Medcal Evacudion Home Helfrcarg Expnses OPD Treatmgn Medical minion (Per Polig Yer) Medical TrÜnentAbrmd - br 8 mpr Mnesæs (Wdtng - 26 Maths) Welhgss Bonefis ?7.5 L*hs hkhs. x hkhs. r5K Lakhs Ma. up hkhs. x Ma. up hkhs. Base Cwers ?15Lakhs ofSl; Ma. up to Lb DSI x to ?25Lakts Mo. up hkh& LiptoSl Ma. up hkhs. rsu*ns' Dimnoäics an cworød. 30% apicaNe. 20 Days I PED Waiting Period Avajlile x Avajlile Avaöle Availabb Ma. up hkhs. UptoSl QSlakhs up hkhs. Twiæ x Available up IJptoSl e5 hkhs 25%ofSl; Ma. up to 10 rlOK IJptoSl Anjhble Q, Ma. up to I*hs. UptoS1 hkhs 25%otg; upto tlOK UptoSl Anlablø VAS & LIYyqlV Bgufits Ponts gned per mgrnb« pgr year 185-200 150- 184 100- 10 15-99 Value of points gangd 2W0 5% 2%.
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Schedule of Benefits Bue Covers Sum Insured OJTuldi€e Bonus LWimitød Rastoräion of Insured at - 36 months Inflation Gtnrd I-Wimited Cmer Premium Voluntay DedJcibIe *nnual Aggregate) Cms-jmøblß/' Non-medical Expenses Mmdatory' Co-n• Whiwr ?7.5Lakhs pdO rr• r«iE9dW cue of b arm b zn Avajlile riOLakhs pdicy pig yar•, mar numtHon ucumuäm of 101B; be G88ha" ce of dairm, in 83 Lakhs ?200Lakhs poltyy—•, year, ma polOy«•, rrur xcumdün accumUün axurnHm oflOß; atulbe C8åøIbe redced ty reci.md t" cue Mcbirnq in in ce of in cage 81.Åætb amt Avajlile abject b rrinimum ant to zn Ava%le b minimum amt bzgo Availabb auWb atbjæt b minmum amt zero Anilablg AWhble miurnurn amt bzn Anlablø Unlimited Rctorabon stell Timorfrom the chim onwarl± ang tie atuustion of tte base SI, CB , md i-tlajon Gud. The restre SI (lß of the SI) be aplicable mcg chim went. This bonefi be uailile fcr both the arre and differgnt i"ngssæ. ra751-ahs e51-akhs r7.5L#s Availile Availile Ava%le Availabb Anilabb Anlable The Sl shall ncteægd ach rgtgwal 6%, irrgspecWe of dams. Maimum acum.JÄbn ian be up ICO%oftheS1 Avajlile Availile Ava%le Availabb Anilabb Anlable Once in the lifgtime of the plig & fir a-y one chim, tis tergfit shall cwerthe daim for ætual arna.nt. Availile Availile Ava%lø Availabb Anilabb A'ähblg Anlablø tf tureS no OPWIFO Ho.italizaion claim in the prg:gding 4 mnæa.1tWg policy yars, tm an an-mm equialerrt to to pretniurn ian utilizød for dicountof s&quentrervwal prerniurn tie 50 yz. Such iallbg cilgmh' onoinwg bbckof4 liw vws. Cov«s rlOW25W LiptoSl Availile OW25W Availile e50W75W 1 Lakh Up DS Ava%le Lah Availabb 5 IMs Up to SI Anilablg 5 Ldhs UptoS1 5 Lahs UptoSI Anlable.
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Basis of Claims Payment (a) We stall payment in Indinmpæs ony. Discounts and Other Offers: a) Famo famib' discount n cu of mre tan insured axergd under tie same policy cn Sum Long-tgrnmscotrt (applicile of ashglepay•mgltf« polOtgrmofrnorefian meyea): Number ot y ears 1 par 2 yeas 3 yen Dbcamt Agg Band 0-17 1825 26-30 31-35 36-40 41-45 46-50 Fbater Discount 45% Discount Nil Aqe Band 51-5 61-6 66-70 71-75 76-0 Floater Discount Preürn applicile fcr the prirmry insured tie snn&rd indüidual premiums from the premium tile. rernaining de»nt membgs, fltner discoums applicabb on their rg.ecti€e premium is per tie tile abwe. d) hstahngu Loafing: Insured hæ an option premium on iOrnent bcis. Ginn below are the badhgs applicabb on Üldud gremüms in cze of inadmglts, Instalment Frequency Monthb' Qwrtgb' Louting of Standard Praniums 4% 3% e) VoUmwy Deducible: hsured has an ochon Voluntary Deductible and aajl dscoums on tw premiun, The deårue wil applicaUe on an agyegao basis..
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O Zone Zono Classification Zone Zone 2 4 Areas Covend mne, Mumbai, BargaJ«e, Ngw Delhi, Ounrøi, b'detat@Gurpn, Kol• Ttøne, AhmodaÄd, hdco, VadMara, Ibida, Secunderaba4 mel, Nui Munbai, 9.jrat, Restof Indh tReæe nog fie atiÜTcwns that fall unor respectin Zones t» icbntjfied per tie up&ted/ log &bdttion defined Gwgnment. Zmd Co-paym«fl tf the tætment is in highg zme than the plighows zone tcr whth polby hoyer hæ pai tte premium), m.mert wil applicabb as below: • f puælectZone I, thgl Zone I. • for tamentinZone.
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What is not covered? i. 2 3. 4, 5. 6. 7, 8. g, Injury or "Ines diectb' or indirec$ cwæd or arising from or to wu, irwæion, act of a fore"n eneny, warlkeop«ajons (whetur be dchred not). arcumdsion, unlzs nczzy for fie trø-mtof an ilngs or due to an aci&rt, Vacirømncuäim (aopt pst-bie trgamg@ hawed in mmoction wm mst of spectaclæ md coret brsz, hoaring drablg equipment (hciJding bil not limied to cost of inaunvnt in the tatment of Sloop A— (CPAP), Continuous Pørijneal Ambuäory Dialysis CPA.ü), md cmcgnrat« fr asthmÜ cmdition, wheel chair, crutches, atifidal ä1Tbs, bem bracas, stoding, gumnvtgr md the äkg), narngly thä equignant used for the humm bo$ which mn witlüld use, is not dzimed bg dispoæblø; is •d serve a purpoæ, such mgs of all appläncos/dwtgswhøthg for dimnæis ornangnt iter dichagg from the haspu. Venerea&uab' trmsmitted disase offg thal Exmal Congeniül Anomly md related hassl&føct Inbrg ess dirgc$' indiect* caused ty or contributed Stom 011 smraw Non-preyxbed drugs, medical suppligq md hrrncne rephoment fieraw. Peroml mmfort and mnvgniencg items serviæs, such tølwbion, telephone, baber, or guest sgviæ and simihr incidenäl servios and uppligs. 00.
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What is not covered? 12. 13. 14. 15. 16. 17. 18. diag•nstic, md urgiæl procedns ortrünenm Dental tünert or survg of küld unbss requiring ho.talMtion as a rcut of an injury. A mediæl home visit charges d.ring pre- and poa-hospiäliüim prici and attendantnursing charges Trgatrnglt hdia Intentional sel#inj.ry Amg convltations arising a-R of it-fertility trearnglt. Amg Qecific aclusion(s) applied us, in tie md copted the insnd. Specific aclusimsfor OPD tætrnent claims: We not for upglæs incurred in rg.ect of ary clairns unor (OPD treamgnt), arisng out of cr hwmgv•gr rehtgd to any of tie folkwing: a Cmtofmannudhgaltl checkup. b. Any apensasf« mnsu&n, diagnstics, tla nm d.ly supprted from the yactitimer mentioning: i) D@næis 2) a dbgrNNjctgst abwe ia indÉ8tWe in For mrnplü detail',.