No one plans to get sick or hurt, but most people require medical care at some point in their lives. Health insurance can cover these costs with many other benefits. Without Health Insurance you may not be able to pay expensive medical expenses when you need them most. You require health insurance so that you are not out of pocket when paying up your medical expenses.
Raheja QBE brings to you a policy that would cover Health Insurance needs and is customizable to match your requirements.The policy will cover whom?
The Policy would cover all the persons from the age group of 90 days to 65 years. The maximum entry age is restricted to 65 years. The minimum adult entry age for dependents is 18 years and the maximum entry age is 65 years.
Children up to 90 days till 5 years can only be covered provided either of his/her parent or legal guardian is insured with under the same policy( family floater).
Children up to 17 Years of age can be insured under the policy
Maximum cover ceasing age for children is 18 Years.In case of Family floater policies, The young adult would have an option on renewal to continue as an adult with the suitable change in premium slab.If the Plan cannot accommodate the young adult . We would offer him an Individual policy with equivalent SI and NCB vested at corresponding premium slab.
The policy provides for life long renewals.
The Policy can be issued for 1 or 2 years. The benefits are on policy year basis.
The policy can be issued on an Individual or Floater cover basis.
In a family floater policy we can cover a maximum of 2 adults and 2 children.
In a family floater policy age of eldest member is taken into consideration while computing the premium.
In Individual policy only one person can be covered.
Variants offered by the policy
The Policy is available with sum insured options from Rs.1 Lakh to Rs.50 Lakh. The following four plans are available under the policy:
- Basic Plan: This plan has in-built health insurance benefits, but does not contain an option to include any Add-on Covers.
- Comprehensive Plan: This plan contains in-built health insurance benefits and contains Add-on covers for Sub Limit Waiver.
- Super Saver Plan: This plan contains in-built health insurance benefits and contains Add-on covers for Co-Pay.
- A la carte Plan: This plan contains in-built health insurance benefits and permits You to select from the Add-on covers available depending on Your requirements.
In this policy you can opt to change your plan on renewal
For More details please refer to the Policy wordings and the Prospectus of the policy.