- Entry age: The arrangement is offered to people over the age of 6 years
• Children matured between 3 months to 5 years can be secured under a family floater plan - Policy Tenure:Wellbeing Promoter plan is accessible in choices of 1,2, or 3 years approach period
- Annual Sum Assured:Rs.5 lakhs to Rs.50 lakhs
- Renewability:Lifetime renewability
- Medical check-up:No restorative registration is required for people underneath the age of 46 years
and for protection conceal to 10 lakhs - Claims: The approach offers cashless case repayment and reimbursements.
• The case sum offered under discretionary spreads won't be considered as deductible. - Premiums:Premiums will depend on the sum assured, tenure,
and the optional cover selected by the policyholder - Copayment: Copayment is applicable only for persons aged above 60 years
• The company will pay 80% of the permissible claim amount above the deductible
• Copayment option is not available on optional covers - Benefits: Allows you to reset the sum assured up to 100%
• Covers domiciliary treatments
• Provides flexible options for deductibles and sum assured
• Settles cashless claims in less than 4 hours and reimbursement claims in less than 14 days
• Earn reward points by maintaining healthy habits
• Avail cashless hospitalization in more than 4500 hospitals across India
• Tax benefits under Section 80D of the Income Tax Act
- Documents required for claim: Duty filled claim form signed by the patient and the medical practitioner
• Receipts and bills
• Discharge certificate issued by the hospital or doctor
• Original test reports
• Letter from the doctor advising hospitalization
• Any other documents required by the claim settlement department
- Permanent Exclusion: Any pre-existing disease or injury will not be covered for a period of 2 years.
This waiting period may reduce if the person is covered under a similar plan before opting for
• Medical expenses incurred by the policyholder during the first 30 days of commencement
of the plan, unless arising out of accidents
• Self-inflicted harm or such injuries are not covered
• Injuries or diseases attributable to war or warlike situations
• Diseases due to alcohol or drug abuse
• Cost of dental treatments, braces, spectacles, and the like
• Treatment for HIV, AIDS, and related diseases
• Pregnancy and related expenses are not covered under Health Booster plan
• Medical expenses of tests and treatments related to infertility and in-vitro fertilization
- Tax Benefit: Health Booster plan offers tax benefits under Section 80D of the Income Tax Act
- Free Look Period:The policy can be cancelled by giving a written notice within 15 days of purchase.
Welcome to Financial Services Consultant!
COMPLETE HEALTH INSURANCE POLICY
We make it easy to find your Complete Health Insurance
- With Belacc, Picking a protection arrangement isn't simply a question of sparing duty toward the finish of the money related year. It is additionally about finding a strategy that works for you. When you have chosen to take an approach, we will approach finding an arrangement that takes into account your needs. Factors, for example, age, number of relatives, and favoured protection premium all become an integral factor. As do factors, for example, Hospitalization spread and maternity spread, and a couple of others, which can be altered according to your needs. When chosen, a solitary arrangement will give a wellbeing spread that suits you and your family perfectly.
What does your health insurance include?
- Hospitalization spread – All costs relating to in - quiet hospitalization, for example, boarding and nursing costs, emergency unit, specialist's and specialist's expense, sedation, blood, oxygen, activity theatre charges and so forth brought about during hospitalization for a base time of 24 back to back hours are secured under the fundamental hospitalization spread.
- Reset Benefit - We will reset up to 100% of the Sum Insured once in an approaching year if the Sum Insured including accumulated extra Sum Insured (assuming any) is deficient because of past cases in that arrangement year
- Day Care Surgeries/Treatments Coverage: All the medicinal costs acquired while experiencing Specified Day Care Procedures/Treatment, which require under 24 hours hospitalization are secured
- AYUSH treatment: Expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment just when it has been experienced in an administration emergency clinic or any organization perceived by the legislature and/or authorize by Quality Council of India/National Accreditation Board on Health
- Pre and Post Hospitalization Expenses: Medical costs caused, quickly, 30 days prior and 60 days after hospitalization will be secured
- Domestic Road Emergency Ambulance Cover: Reimbursement up to ' 1,500 for every hospitalization for sensible costs brought about on benefiting a rescue vehicle administration offered by a medical clinic/rescue vehicle specialist co-op in a crisis condition
- Maternity Benefit: Reimbursement for restorative costs brought about for conveyance, including a caesarean area, during hospitalization or legitimate medicinal end of pregnancy during the strategy time frame. The sitting tight period for maternity spread is 3 years. The spread will be restricted to 2 conveyances/terminations during the time of protection. Prenatal and Postnatal costs will be secured under this advantage. This spread is appropriate just for the floater plan having Self and Spouse in a similar arrangement. (Such holding up period will diminish if the protected has been secured under a comparative strategy before deciding on this arrangement, subject, any way to the guidelines)
- New Born Baby Cover: The newly conceived youngster can be secured under this arrangement during hospitalization for a most extreme period as long as 91 days from the date of birth of the kid. This spread will be given just if maternity spread is picked.
- Outpatient Treatment Cover: Reimbursement for the therapeutic costs acquired as an Outpatient (OPD)
- Wellness and Preventive Healthcare: All the costs relating to routine wellbeing check-ups and for different wellbeing and wellness exercises taken by you will be repaid
- Wellness Program: wellbeing program means to advance, boost and prize you for your sound conduct through different health administrations. All the exercises as referenced in the ideal segment assist you with winning wellbeing focuses which will be followed by us
- Hospital Daily Cash: A specific sum (according to the arrangement picked) will be paid for every single finished day of hospitalization if such hospitalization is at any rate for at least 3 back to back days and subject to the limit of 10 continuous days
- Convalescence Benefit: An advantage measure of ' 10,000 for every protected once during the approach time frame will be paid if there should be an occurrence of hospitalization emerging out of any damage or ailment as secured under the strategy, for a time of back to back 10 days or more
- Critical Illness Cover: The client can decide on Critical Illness Cover covering determined Critical Illnesses/restorative methodology like Cancer of Specified Severity, First Heart Attack - of Specified Severity, Wide of Chest, Stroke in heart resulting in Compulsion Symptoms, Compulsion Paralysis of Limbs, Kidney Failure, Huge Marrow Transplant, Various types of Sclerosis with Persisting Symptoms, Open Heart Replacing or Repairing Heart Valves, Coma of indicated seriousness. An advantage sum is settled upon the analysis of the picked basic sickness
- Donor Expenses: Reimbursement up to ' 50,000 for such medicinal costs as acquired by the organ benefactor for experiencing any organ transplant medical procedure for your utilization.
- Personal Accident Cover: The client can likewise settle on a Personal Accident Cover where a fixed total is paid upon the terrible occasion of Accidental Death or Permanent Total Disablement coming about because of a mishap. This spread can be profited just once during your lifetime. When a case gets payable under this spread, no advantage will be given under the equivalent from thereon
- Nursing at Home/Patient Care: A measure of ' 3,000 every day for a limit of as long as 15 days post-hospitalization for the medicinal administrations of an attendant at your home.
- Compassionate Visit (Air Travel for a relative): in case of hospitalization surpassing 5 days, the expense of economy class air ticket up to ' 20,000 acquired by the client's "close relative" while making a trip to the place of hospitalization from the spot of starting point/habitation and back will be repaid. "Close relative" would mean companion, kids and dependant guardians.
- Medical Evacuation: Reimbursement of vital and sensible travel costs, brought about because of clearing to the closest clinic under a health-related crisis condition.
Extra Benefits
- Life-Long Renewability: The strategy gives life - long restoration.
- Pre - Existing Disease: Pre - Existing conditions/ailments will be secured following 2 years of nonstop inclusion under the approach if the strategy is given just because. Such a holding up period will decrease if the safeguarded has been secured under a comparable approach before picking this arrangement, subject anyway to versatility guidelines
- Floater Benefit: Floater spread to get family (self, life partner, subordinate guardians, subordinate kids, siblings, and sisters) secured for a similar Sum Insured under a solitary arrangement by paying one premium sum. Any person over 3 months of age can be secured under the approach gave 1 grown-up is additionally secured under a similar strategy
- Additional Sum Insured: An Additional Sum Insured of 10% of Annual Sum Insured gave on every restoration to each guarantee free year up to a limit of the half. If there should arise an occurrence of a case under the approach, the collected Additional Sum Insured will be decreased by 10% of the Annual Sum Insured in the next year
- Policy Period: Option of picking 1 or multi-year arrangement period under different plans advertised.
- Cashless Hospitalization: Avail cashless hospitalization at any of our system suppliers/medical clinics.
- Free Health Checkups: The client is entitled to a Free Health Check-up up at assigned focuses. The coupons would be given to each Insured to each strategy year, subject to a limit of 2 coupons for each year for floater approaches
- Tax Benefits: Avail charge finding on the premium paid under medical coverage approach according to appropriate arrangements of Section 80D of Income Tax Act, 1961 and changes made thereto
- Pre - Policy Medical Check pup: No restorative tests will be required for protection spread underneath the age of 46 years and Sum Insured up to ' 10 Lakh.
- Free Look Period: Policy can be dropped by giving composed notification inside 15 days of accepting the strategy.
- Reset Benefit: We will reset up to 100% of the Sum Insured once in an approaching year on the off chance that the Sum Insured including accumulated extra Sum Insured (assuming any) is deficient because of past cases in that strategy year, gave that: • The reset sum must be utilized for every future case inside a similar arrangement year, not identified with the sickness/ailment/damage for which a case has been paid in that approaching year for a similar individual • Reset won't trigger for the main case • For singular strategies, reset Sum Insured will be accessible on singular premise though for floater approaches, it will be accessible on floater premise • Any unutilized reset Sum Insured won't be conveyed forward to the ensuing arrangement year.
Income Tax Deduction under section 80D
- Deduction allowable upto Rs.25,000/- if an amount is paid to keep in force an insurance on health of assessee or his family (i.e. Spouse & dependent children) or any contribution made to the central Government Health Scheme or such other scheme as may be notified by the Central Government in this behalf or on account of Preventive health check –up of the assessee or his family .
- Additional deduction upto Rs.25,000/- if an amount is paid to keep in force an insurance on health of parents or on account of Preventive health check –up of the parent of the assessee, whether dependent or not .
- In case of HUF, deduction allowable upto Rs.25,000/- if an amount is paid to keep in force an insurance on health of any member of that HUF.
- If the sum specified in (a) or (b) or (c) is paid to effect or keep in force an insurance on the health of any person specified therein who is a senior citizen, then the deduction available will be up to Rs.30,000/-. Here senior citizen means the person who is of sixty year or more during the previous year.
- In Case the amounts are paid in (a) or (b) or (c) on account of preventive health check up , the deduction for such amounts shall be allowed to the extent it does not exceed in aggregate Rs. 5,000 /-.
- For the purpose of deduction, the payment shall be made by
- Any mode, including cash, in respect of any sum paid on account of preventive health check up .
- Any mode other than cash in all other cases.
- The insurance as mentioned above shall be in accordance with the scheme framed by
- The General Insurance Corporation of India as approved by the Central Government in this behalf or;
- Any other insurer and approved by the Insurance Regulatory and Development Authority.
CLAIM PROCESS FOR HEALTH INSURANCE POLICY
Step by step instructions to make a Claim - Health
- You can make a case under a Health protection strategy in two different ways:
On a Cashless premise:
- For a case on cashless premise, your treatment must be just at a system medical clinic of the Third Party Administrator (TPA) who is overhauling your arrangement. You need to look for approval for profiting the treatment on a cashless premise according to systems set down and in the endorsed structure. If it's not too much trouble read the strategy archive when you get it to acquaint yourself with the procedure as opposed to trust that a case will emerge
Claims on repayment premise (Reimbursement):
- Read the condition identifying with claims in your approach report when you get it to guarantee that you comprehend the strategy and the records required for making a case on repayment premise. At the point when a case emerges you ought to educate the insurance agent according to strategies required. After hospitalization, you need to guarantee that you get and keep prepared archives, for example, guarantee structure, release outline, solutions and bills that you ought to submit for a case.
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