Health Link

Primary Care: OPD at specialized rates

Preventive Care: Special Prices for Preventive Health Checkups/Diagnostics at some of the best Diagnostic Centers/Hospitals

Hospitalization Care: Hospitalizatin Benefits with Cashless Hospitalization benefits over 1600 hospitals all over India

Travel Benefits: At special rates

• Family Floater Sum Insured form Rs. 1,00,000 to Rs. 10,00,000.
• Declared Pre Existing Disease Cover after 2 years of Health Link Plan
• Maternity Benefits after 2 years of Health Link Plan: 10% & 5% of Initial Sum Insured (taken first time) in case of Caesarian & Normal Delivery subject to maximum Rs.50,000/- & Rs.25,000/- respectively.
• New Child Born Baby Coverage within Maternity Limit after period of 2 years.
• Emergency Ambulance Charges in connection with the admitted claim subject to maximum of Rs.1,000/- per year.
• Hospital Daily Cash Allowance of Rs.200/- per day from eighth day onwards in connection of admitted claim subject to maximum of Rs.3,000/- per year.
• Hospitalization Expenses incurred for donor in respect of Organ transplant excluding cost of organ, if any, within limit of Sum Insured.

• Entry Age Limit 55 years, children above 91 days may be covered with parents.
• Following Mandatory Tests Required Above Age of 50 Years at Proposer's Cost for all fresh Proposals, Break in & Increase in Benefit Value cases: Medical Examination, CBC & ESR, Urine Routine & Microscopic, Cholesterol, SGPT, Serum Creatinine, ECG.
• All proposals above 5 Lac benefit value should be referred to company for prior approval and medical tests are mandatory irrespective of age.

• Room Rent/ Boarding/ Nursing Expenses up to 1% of sum insured per day.
• IC Unit up to 2% of Sum Insured per day.
• Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees.
• Anaesthetist, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, relevant laboratory diagnostic tests, etc & similar expenses.

• Pre-Hospitalization (30 days) & Post Hospitalizations (60 days) in respect of any illness & admitted claim subject to maximum 10% of Sum Insured

• Any disease contracted by the Insured person during the first 30 days from enrolment.
• During the first two years of the plan, the expenses on treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital internal disease, Fistula in anus, piles, fisher, Sinusitis and related disorders, Gall Bladder Stone removal, Gout & Rheumatism, Calculus Diseases, Hip/Joint Replacement due to Degenerative Condition and age- related Osteoarthritis & Osteoporosis are not payable.
• Cost of spectacles, contact lenses, routine eye checks, hearing aids, crutches etc.
• Dental treatment or surgery of any kind unless requiring hospitalization.
• Convalescence, nervous breakdown or rest cure, Congenital external disease, Sterility, Venereal disease, Circumcision, vaccination, cosmetic treatment, plastic surgery unless necessitated by accident, AIDS, Voluntary Termination of Pregnancy.
• Expenses on vitamins and tonics unless forming part of treatment.
• Naturopathy Treatment , acupressure, acupuncture, magnetic and such other therapies.
  
  
For more details refer terms, conditions & exceptions of the policy.
Disputes are subject to Delhi Jurisdiction only.