Hospital

health INSURANCE

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INDIVIDUAL

Health Insurance is a necessity today. Given the increasing medical costs, this insurance policy and the coverage it offers can provide several benefits to the insured and the insured’s family. Find the best Health insurance with Esurance that provides coverage against critical illness expenses, surgical expenses, hospital expenses etc.

The importance of Health Insurance is undisputed. It includes several aspects of medical treatment and other expenses which can otherwise eat into savings. This insurance also provides tax benefits. If the Insured Person sustains any Injury or contracts any Disease and if medically necessary, he/she has to incur Hospitalisation expenses, then reasonable and customary charges of the following Hospitalisation expenses will be paid. 

  • Room, Boarding and Nursing Expense.

  • Medical Practitioner/ Anaesthetist, Consultant fees, fees of surgeon

  • Expenses on Anaesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of Organ and similar expenses

  • Expenses on Vitamins and Tonics only if forming part of treatment as certified by the attending Medical Practitioner.

  • The relevant expenses incurred for Domiciliary Hospitalisation

  • An additional Daily Allowance for the duration of Hospitalisation towards defraying of miscellaneous expenses.

  • Ambulance charges in connection with any admissible claim limited

  • Admissible day care treatment (less than 24 hrs hospitalization), pre and post hospitalization

  • Cost of Health Check-up

  • Other admissible expenses.

  • This policy will trigger when there is minimum 24 hours hospitalisation.

The policy holder can avail cashless facility for the treatment taken or he may go for reimbursement of expenses incurred.

 

Below mentioned are the general exclusions of the policy.

 

  • Treatment of Pre-existing Diseases for a specified period.

  • Any expense during the first 30 days from the inception of first policy except hospitalisation due to an accident.

  • Expenses on Treatment of certain diseases are not payable up to a specified period.

 

PERSONAL ACCIDENT INSURANCE

Each one of us in our day to day life is exposed to risks of accidents, though exposure to some is more than the others. Besides the man-made risks, the natural hazards like lightning, flood, earthquake etc. are equally responsible for accidents. Esurance insurance experts carefully analyse your requirements and offer best quote for you.

Personal Accident Insurance has been designed for individuals or members of various groups to provide compensation or financial assistance in case one suffers from Death or Disability due to some External, Accidental and Violent means.

Scope of cover

The Policy provides for payment of fixed amount (benefit) on happening of specified contingency caused by External, Accidental and Violent means. An accident may include events like:

  • Rail, road, air accident

  • Injury due to any collision / fall

  • Injury due to bursting of gas cylinder

  • Snake bite.

  • Burn injury, drowning, poisoning, etc

What are the benefits under this policy?

  • Death – 100% of Sum Insured

  • Permanent Total Disability (PTD) – Highest compensation of 125% of Sum Insured

  • Permanent Partial Disability (PPD)-As per table

  • Temporary Total Disability (TTD) - 1% of the Sum Insured or Rs5000/- per week, whichever is lesser

  • Transportation of mortal remains - lower of Rs.5,000/- and 2% of the sums assured shown under the schedule headings Basic, Wider and Comprehensive.

  • Children's Education bonus in case of Death or Permanent Total disability of proposer - onetime payment of Rs.5,000/- each towards the cost of education of up to 2 of your dependent children who were under the age of 19 on the date you met with Accidental Bodily Injury.

  • Hospital Confinement Allowance - If the claim is accepted under Death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD), Temporary Total Disability (TTD) then we will pay you Rs 1000/- per 24 hours of hospitalization, maximum up to 30 days per policy period

  • Medical Expenses due to accidental injury - If the claim is accepted under Death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD), Temporary Total Disability (TTD) then reimbursement of the cost of medical expenses due to accidental injury up to 40% of valid claim amount or actual medical bills, whichever is lesser

  • Cumulative Bonus -If You renew Your Personal Accident Insurance Policy with Us without any break in the Policy Period and there has been no claim in the preceding year, then We will increase the Limit of Indemnity by 10% of Sum Assured per annum as Cumulative Bonus, The maximum cumulative increase in the Limit of Indemnity will be limited to 5 years and 50% of Sum Assured

 

GROUP MEDICLAIM INSURANCE

The essential part of an organization is human beings. As a part of HR policy, many organizations take a Group Health Insurance cover to seek protection to their employees. The policy is meant to cover Hospitalization Expenses incurred by the members of an organization in case they happen to suffer from a disease or sustain an accidental injury, the following Hospitalization expenses will be paid under following heads:

  • Room, Boarding and Nursing Expense.

  • Medical Practitioner/ Anaesthetist, Consultant fees, fees of surgeon

  • Expenses on Anaesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of Organ and similar expenses

  • Expenses on Vitamins and Tonics only if forming part of treatment as certified by the attending Medical Practitioner.

  • The relevant expenses incurred for Domiciliary Hospitalisation

  • An additional Daily Allowance for the duration of Hospitalisation towards defraying of miscellaneous expenses.

  • Ambulance charges in connection with any admissible claim limited

  • Admissible day care treatment (less than 24 hrs hospitalization), pre and post hospitalization

  • Cost of Health Check-up.

  • Other admissible expenses.

This policy will trigger when there is minimum 24 hours hospitalisation. The policy holder can avail cashless facility for the treatment taken or he may go for reimbursement of expenses incurred.

 

The basic cover can be enhanced by opting for Add-on covers by paying an extra premium and such Add-on covers are as below:

  • Waiver for Pre-existing diseases.

  • Waiver for first 30 days exclusion.

  • Waiver for first year / first two years / first four years exclusion.

  • Maternity Benefits and New Born Baby cover from day one.

  • Corporate Buffer.

 

This policy is a very good tool to for an organization to ensure that their employees are fully covered to meet any sort of medical emergency.

 

With the digital first approach, we at Esurance strive to blend in the new way of doing insurance which is fast and convenient for the customers. We are putting our best foot forward in revolutionising the industry with state-of-the-art consumer engagement models, digitised distribution and operations, and a smarter customer experience by embracing big data and analytics.

Whether you are looking to protect yourself, your loved ones or your business, we’ll help you find the right insurance for your specific needs.

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Any advice on this website is general advice only. Please read the relevant product disclosure/ policy wordings to decide whether it suits your needs which can be obtained from Esurance. Esurance is also happy to provide you with further information if required. Esurance recommends that you seek advisory prior to acting upon material contained on this website or any linked site.
 

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