Page 29 - Life Insurance Today June 2015 SAMPLE
P. 29
Swasthya Kavach- Wider
(Family Health Insurance)
from Iffco Tokio Health Insurance
Eligibility Local ambulance services upto Rs 1500
Entry Age (years) 18 General Health Check-up covered upto 1% of sum insured
60 payable once after 4
Minimum consecutive claim free years
Maximum 80
Maximum Policy Family floater Sub-limit on cover for Not applicable
Renewal Age (years) 1 certain illnesses such as
Coverage Type cataract, hernia, knee
Policy Term (years) 5 lakh joint etc.
2 lakh
Sum Insured (Rs) 5% of Sum Insured for each Additional benefits
claim free till it reaches 50% of (requires payment of
Maximum sum insured with 'Wider Plan' extra premium)
Minimum only
No Claim Bonus Critical Illness Benefit available on payment of extra
premium. Covers 10 critical
illnesses
Emergency Assistance provides medical consultation,
services emergency
medical evacuation, care for
Scope of Cover minor children etc in case of
emergency
Cashless facility available if taken in a network Exclusions and Waiting Period
hospital
Reimbursement facility available if treatment taken in Pre-existing diseases covered after 4 continuous
non-network hospital policy renewal
Pre hospitalisation covers expenses upto 30 days No claim period 30 days commencing from issue
expenses prior to admission to hospital date of the policy
Post hospitalisation covers expenses upto 60 days Waiting period covered since inception date of
expenses after discharge from hospital the policy.1 year for any type of
Carcinoma /Sarcoma /Blood
Inpatient Hospitalisation Cancer etc.2 years for cataract,
hernia, piles, sinusitis etc.
Room expense and covered upto 1.5%(2.5% for ICU
boarding expense) of sum insured per day Other exclusions naturopathy or other non-
allopathic treatments Out
Day Care Procedures 121 such procedures are patient treatment, AIDS or
covered related conditions
Hospital Daily Allowance Rs 250 per day
Life Insurance Today June 2015 25
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