Health Suraksha Gold Eligibility

  • Min Child age: 3 months
  • Max adult age: 50yrs
  • Max child age: 21yrs
  • Members covered: Individual and family plan. You can avail this policy for maximum combination of 2A2C
  • Policy Period: Policy available for 1yr and 2 yrs
  • Policy Available for: Sum Insured Rs.4L-10L

Health Suraksha Gold Benefits

  • Optimized health insurance plans at affordable cost.
  • A network of more than 5000+ hospitals to choose from to avail cashless services.
  • No limit for age at entry.
  • AYUSH cover available without any sub limit.
  • Enjoy hassle free claim procedures with least documentation and settlement times.
  • Maternity Benefit available after a waiting period of 4 Yrs along with New Born baby cover.
  • E- opinion provided upon diagnosis of a Critical Illness.
  • Convalescence benefit provided if the period of hospitalization has exceeded 10 consecutive and continuous days.
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees.

Health Suraksha Gold Features

  • AYUSH - Covers inpatient hospitalization expenses under Ayurvedic, Unani, Sidha & Homeopathy Upto the policy Sum Insured
  • Maternity with Waiting Period of 4 Years - Expenses related to Normal Delivery Rs 15,000 & LSCS Rs 25,000/Termination Rs 15,000
  • (The maternity Includes Pre/Post Natal limit of upto Rs 1,500 and New Born limit of upto Rs2,000, New Born baby covered)
  • Organ Donor - Pays for medical expenses for an organ donor's treatment in the event of organ transplantation
  • Domiciliary Treatment - Pays for expenses incurred for medical treatment taken at home, on the advice of a physician
  • Post-Hospitalisation - Pays for medical expenses incurred 90 days immediately after the discharge post hospitalisation
  • Pre-Hospitalisation - Pays for medical expenses incurred due to an illness 60 days immediately before hospitalisation
  • New Born Baby - Covers In patient medical expenses of the new born baby within 90 days after the birth.

Health Suraksha Gold Claim Process

  • Incase of hospitalization, intimation should be provided to the Company immediately and not later than 7 days.
  • In all other cases, the Company must be informed of any event or occurrence that may give rise to a claim under this Policy at least 7 days prior to any consequent treatment, consultation or procedure being taken and the Company should pre-authorise such treatment, consultation or procedure.
  • Any documentation and information requested to establish the circumstances of the claim, its quantum or the Company‚Äôs liability for the claim, should be submitted within 15 days of our request or discharge from Hospital or completion of treatment, whichever is earlier.

Health Suraksha Gold Exclusions

  • Maternity waiting period of 4 yrs.
  • Pre-existing conditions will not be covered for first 48 months.
  • Any treatment within first 30 days of cover except any accidental injury.
  • 24 Months waiting period for specified illnesses & treatments.
  • Expenses arising from HIV or AIDS and related diseases.
  • Mental disorder or insanity, cosmetic surgery, weight control treatment.
  • Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
  • Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind.
  • Pregnancy, dental and external aids and appliances unless covered under specific Plans.
  • Terrorist activities, radioactivity or war.