Health Suraksha Regain Silver 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.3L-10L

Health Suraksha Regain Silver Benefits

  • Regain benefit provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year.
  • Regain benefit cannot be withdrawn at subsequent renewals.
  • If the Regain SI is not utilized in a policy year, it shall not be carried forward to any subsequent insurance policy year.
  • Basic sum insured will be re-instated only once in health insurance policy year.
  • Regain SI can be used for only future claims and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year.
  • Enhanced Cumulative Bonus @ 10% per claim free year upto 100% of Sum insured.
  • AYUSH cover available without any sub limit.
  • REGAIN benefit – Automatic availability of Sum Insured upon its exhaustion.
  • Enjoy hassle free claim procedures with least documentation and settlement times.
  • No Sub-limits on any disease, room rent, hospital charges and doctor fees.

Health Suraksha Regain Silver Features

  • Emergency Ambulance - Upto Rs. 2,000 for SI 300000, 400000 & 500000 AND Rs 3,500 for SI 750000 & 1000000 reimbursed as ambulance expense during an emergency.
  • Regain Benefits - provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus ) during the policy year.
  • Organ Donor - Medical costs for harvesting an organ donated are reimbursed.
  • Domiciliary Treatment - Pays for expenses incurred for medical treatment taken at home, on the advice of a physician.
  • Day care procedures - Pays for medical expenses for 144 day care procedures which do not require 24 hours hospitalisation due to technological advancement.
  • 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.
  • Enhanced Cumulative Bonus - The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim.

Health Suraksha Regain Silver 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’s 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 Regain Silver Exclusions

  • Any treatment within first 30 days of cover except any accidental injury.
  • Pre-existing conditions will not be covered for first 48 months.
  • 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.
  • Hospitalisation 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.
  • 2 year exclusions for specific diseases.
  • Experimental, investigational or unproven treatment, devices and pharmacological regimens.