Health Suraksha 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 Silver Benefits

  • Tax Benefit under section 80D*.
  • No Medical Check-up upto 45 years.
  • No sub-limits on any disease, room rent, hospital charges and doctor fees.
  • Cashless Treatment at Network Hospital 5% bonus on Sum Insured for every claim-free year.
  • No limit for age at entry.
  • Offers one year or two years policy coverage period.
  • Option to cover on individual sum insured basis and on family floater basis.
  • Avail a family discount of 10%, if 2 or more members of a family are covered under the same policy on Individual sum insured basis.
  • Life Long Renewability.

Health Suraksha Silver Features

  • Emergency Ambulance - Pays for expenses for utilizing ambulance services in an emergency.
  • Ayush - Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.
  • 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.
  • 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.
  • In Patient Treatment - Covers hospitalisation expenses due to an illness or accident. Pays for medical expenses incurred for room rent, boarding expenses, nursing, intensive care unit, medical practitioner, medicines or drugs and other related expenses.

Health Suraksha 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‚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 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