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Health problems, in most cases, strike us unexpectedly, resulting in a sudden financial burden. Despite this, only around one in every fifty Indians, is covered through some form of individual medical insurance. Further, it has been observed that 2 out of every 5 individuals hospitalised in India end up either borrowing money or selling assets to cover healthcare costs. This situation is set to escalate further as private health care spends in India are estimated to increase by 2 to 3 times over the next 12 years.
Hence you need a solution that gives you peace of mind by providing financial cover to both you and your family against unforeseen hospitalisation events.
So what should you look for when buying a medical/hospitalisation cover:
- Does the plan guarantee you insurability at renewal irrespective of your health status?
- Does the plan ensure that no new exclusions are added or no increase in premiums occurs just because a claim is made?
- Does the plan clearly state exclusions at the time of taking the policy and also offer you cover against pre-existing conditions?
ICICI Prudential Life Insurance presents MediAssure, a health insurance plan with a AAA guarantee for the family
- Assured cover till age 75 years
- Assured coverage for accepted pre-existing illnesses after 2 years
- Assured price for 3 years
Moreover, this policy covers all your hospitalisation needs with the flexibility to choose your location and quality of treatment.
ICICI Pru MediAssure: UIN 105N082V01
(Please note that a variant of this product with a higher co-pay will be introduced in April 2009)
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