Useful Information

Future Gen

TPA Information

Health Suraksha Floater

Synopsis:

Health Suraksha is a basic health insurance policy which pays for medical expenses incurred by any member insured under the scheme. It covers any condition, injury or ailments diagnosed

Highlight:

  • Room rent, Board & Nursing Expenses as provided by the Hospital/ Nursing Home.
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees.
  • Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray,
  • Day Care expenses.
  • Ambulance charges
  • Free medical check-up.
  • Patient Care.
  • Accidental Hospitalisation.
  • Hospital Cash.
  • Accompanying Person.
  • Organ Donor Expenses.
  • Recharge of Sum Insured.

Benefit:

Title
Description
Room Rent Limit
Gold Plan SI 50K,1 Lakh,1.5 Lakh 1% of SI per day, For other SI under Gold Plan actual.
ICU Daily Rent Limit
Gold Plan SI 50K,1 Lakh,1.5 Lakh 2% of SI per day, For other SI under Gold Plan actual.
Pre-Hospitalization Expenses
60 days. For Topaz and Ruby Plan 1% oF SI upto 60 days.
Post Hospitalization Expenses
90 days. For Topaz and Ruby Plan 1% oF SI upto 90 days.
Minimum Hospitalization Period
24 hours
Day Care Procedure Coverage
Covered
Automatic Restoration of Sum Insured
This benefit is available for sum insured of ? 300000 and above. Recharge shall beavailable only for future claims irrespective of whether the claim is for the same ailment for which insured has claimed.
Pre-Existing Disease / Illness coverage
Covered after4 years of continuous Coverage
Waiting Period for New Policy
30 days
Co-Payment
Co-payments are applicable in case of admission in room with higher room rent than the eligible limit in case of Topaz and Ruby Plans
Free Health Checkup
Medical Checkup - At the end of every continuous period of 4 claim-free years
Ambulance Expenses
Maximum ? 2000 for Gold and Platinum Plan, Maximum ? 750 for Topaz and Ruby Plan, Overall limit of ? 1500 per policy year.
Daily Hospitalization Allowance
500 per day, up to 60 days under Platinum plan
Donor Expenses
Covered
Attendant Allowance
Not covered
Nursing Allowance
Covered
No Claim Bonus
10% for every claim-free year to Max 50%