Health Insurance

Health Insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system  expenses among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

We, at Future Sure, offer Health Care & Family Care products from Star Health Life Insurance Co. Ltd. as well as HealthWise Insurance from Star Health General Insurance Co. Ltd.

Bajaj Allianz Life Insurance

Family Care First - A health insurance plan for the entire family           

               

The health of your family is very important to you. When faced with hospitalization or one or more family members, the medical bills can severely dent your savings. The cost associated with hospitalization might be very high and you need to be better prepared for such an emergency.Buying Medical Insurance for each individual family member can be cumbersome and expensive. What if there is a solution that gives you a single tool to cover your entire family - all in one? Bajaj Allianz Family CareFirst presents an innovative yet practical health care plan for everyone in your family including children and parents. This unique hospitalization plan gives you a 3-year health cover for your entire family and allows you to renew the policy after every 3 years to keep your family covered till the age of 74 years. So no separate accounts, repetitive paperwork or payment adjustments for each member. Secure your entire family in one shot                            

Key Benefits

  • Coverage from 3 months to age 74 with guaranteed renewals

  • 3 year premium guarantee for each policy term

  • Hospitalization Cover in leading hospitals across the country

  • 15% discount on prevailing premium on every renewal

  • No claim bonus in the form of increase in sum assured @5% every year

  • Day Care Treatment for 140 day care procedures

  • Pre-Hospitalization and Post-Hospitalization Benefit

  • Reimbursement of Ambulance expenses

  • Choice to select Health Critical Illness rider

  • Choice to include Your spouse, children and parents

  • Cash Less Service Facility in leading hospitals across the country                                                           

 

                

 

  
 

                   
                                                       

Reliance Generals HealthWise Insurance Policy

No premium loading after a claim 

No- sub-limit

No capping 

No Co-payment 

Cashless facility at Network hospitals

Seeing your family in the best of health is your utmost priority. Yet, despite your best efforts, unexpected illness/ accidents do occur, that can take a toll on your savings. We offer you healthcare insurance with Reliance HealthWise policy that provides financial assistance to you and your family, it covers you against hospitalization expenses towards diseases / illness / injury in India along with a host of value added covers.

Reliance HealthWise Insurance policy(Standard Plan) comes with Unique features that gives you the best advantage at all times
  • Choice of Sum insured: 2 lacs, 3 lacs, 4 lacs & 5 lacs

  • No medical tests for persons up to 45 years with clean medical history

  • Basic coverage of Hospitalization due to Illness/ accident – All plans

  • Associated covers like:

       - Hospitalization expenses

       - Domiciliary Hospitalization

       - Day Care Treatment

       - Pre & Post Hospitalization cover

       - Nursing Allowance

       - Pre existing coverage after 4 years of renewal

       - Cost of Health Check up reimbursement after 4 claim          free years

  • Value added covers like:

        - Road Ambulance service

        - Expenses on accompanying person

  • Maximum entry age : 65 Years

  • Income Tax Benefits

  • 50% reimbursement on pre acceptance medical test charges for accepted proposals                                                     

 Benefit to Insured

Policy Feature

Benefit to Insured

No restriction on Room rent/ICU Rent

You can decide the room you/ family member would be staying in if hospitalized and not the Insurance Company

No per illness limit

You will not face any specific monetary limit while taking treatment for a particular illness

No Loading on renewal premium

You have the assurance of unchanged premium even after receiving a claim

Reimbursement up to 50% for cost of pre policy healthCheck up

If your proposal is accepted , Reliance General Insurance Company shares your financial burden equally where you have to undergo specific tests requested

Renewal Features

Continuity Benefits

  • Shall be available only if the Policy is renewed within 15 days from the previous Policy expiry date

  • Assured renewal till 75 years

  • No Claim Bonus

Renewal Premium

Renewal premium would be quoted as per the base premium chart with or without renewal discount based on the claim experience.