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Key Benefits of the MediAssure policy
- Hospitalisation coverage for your family under a single policy
- Pre-existing illnesses & conditions covered subject to underwriting
- Guaranteed insurability up to 75 years of age
- Coverage for Pre & Post-Hospitalisation expenses
- Over 125 day care procedures covered
- No claim bonus of 5% of annual limit for every claim free policy year
- Cashless Hospitalisation in our extensive network of hospitals across the country
- Flexibility in upgrading hospital room facilities with additional co-pay
- Avail tax benefits on premium paid u/s section 80D of IT Act, 1961
Benefits in detail
1.Family Floater
With the family floater option, you can additionally cover your spouse and up to the first three dependent children to the same annual aggregate limit.
2.Guaranteed insurability up to 75 years of age
You can renew the policy once and within 30 days from the termination date with the same terms and conditions. You can further renew the cover under the then offered ICICI Pru MediAssure product or its nearest substitute within 30 days from the policy termination date. The outstanding waiting period from the current policy will be applied on continuation of cover. Your premium payable on renewal and on subsequent continuation of cover shall be reviewed subject to IRDA approval.
3.Pre exiting illnesses covered
Pre existing illnesses and conditions which are declared at inception and specifically accepted by the company would be covered under this policy. For conditions of diabetes or hypertension which are disclosed at inception and which are accepted for cover, any complications arising from these conditions will be covered after the first two consecutive policy years.
4.Pre-Hospitalisation and Post Hospitalisation Cover
Pre-Hospitalisation expenses up to 30 days prior to hospitalisation and post-hospitalisation expenses up to 60 days from the date of discharge are also covered. The Pre and Post Hospitalisation expenses would be covered only in case the expenses incurred are due to the main hospitalisation event.
5.Day Care Treatment Cover
In addition to hospitalisation, you are also covered for procedures which require less than 24 hours of hospitalisation. These include over 125 listed day care surgeries, Parenteral Chemotherapy, Radiotherapy, Intervention Cardiology, Intervention Radiology, Radio frequency Ablation Treatment, Lithotripsy and Dialysis.
6.No Claim Bonus
You are entitled to a 5% increase in your annual limit for every claim free year subject to a maximum of 25% increase in the annual limit. Incase a claim is made during a policy year; the bonus amount would revert to 0% in the following year.
MediAssure: UIN 105N082V01
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