Birla Sun Life Insurance Company
The BSLI Health Plan is a plan that covers a policyholder in addition to any other health plan including medi-claim policies that an individual may have.
The FEATURES of this plan are:
· Only photocopies of the bills need to be submitted to take a claim against this plan
· It is a 3-year plan that gives benefits in the present as well as the futur0065
· Medical tests will be done at the time of issuing the policy, however subsequent renewal after 3 years is guaranteed without a medical test
· No waiting period, no deductible, no excluded surgeries
· Fixed amount of Rs.1000 per day in hospital plus Rs.1000 per day in ICU
· Fixed amount based on grade of covered surgery – Rs.1 lac, Rs.50000, Rs.25000, Rs.15000 and Rs.10000
· If surgery is not listed in covered surgeries then a fixed amount of Rs.2000 per day in hospital plus Rs.1000 per day in ICU
ELIGIBILITY
· This plan gives a guaranteed cover till the policyholder is 80 years of age
· It can be renewed till the policyholder and her/his spouse have attained 78 years of age
· Children can be covered under the same policy till they are 23 years old
The EXCLUSIONS to this policy are as under:
Any treatment
· Due to pre-existing illness/condition unless stated in the form
· Not taken from a recognized hospital
· Given by a family member or by oneself
· Conventionally and customarily carried out on an outpatient basis in an OPD/clinic other than a hospital
· Received outside India
Due to life insured
· Suffering from psychiatric/psychosomatic/mental disorders
· Suffering from any opportunistic condition associated with HIV/AIDS/sexually transmitted disease
· Performing duties as a serving member of a military or armed force
· Performing hazardous sports of any kind
· Being under the influence of intoxicating drugs or alcohol
· Committing any breach of law
· Intentionally injuring oneself
Any hospital admission
· For any surgery undertaken to correct congenital or hereditary disease/internal or external physical defects
· For any surgical procedure that is purely cosmetic
· For any birth control procedures or hormone replacement therapy
· For pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and in-vitro fertilization
· For an organ transplant where the life insured is the donor
· For convalescent care, rest care, rehabilitation or similar treatment
· For non-allopathic treatment
· For circumcision unless necessary for treatment of a disease
Any claim
· Due to terrorism, war, invasion, act of foreign enemy, etc
· Due to exposure to radioactive, explosive or hazardous nature of nuclear fuel materials
The ADVANTAGES of buying this policy are:
· Cashless facility
· 5300 network hospitals across the country to take treatment from
· Free medical second opinion from the world’s leading second opinion provider
· There is a spousal continuation health benefit where if the principal dies, the spouse will automatically become the principal insured and the policy continues uninterrupted