Arogya Premier Policy

• No pre-policy medical test up to the age of 55 years for people with no medical history
• 141 Day Care expenses covered
• AYUSH Cover
• Cumulative Bonus: 10% of SI for each claim-free year, up to 50%
• Coverage from Rs. 10,00,000 to Rs. 30,00,000
• Tax Deduction: Under Sec 80D
• Reimbursement of health check up to Rs 5000 in case of no claim for 4 years

This Health Insurance policy covers the following subject to the terms and conditions:

• Our Health Insurance policy covers:
  • Your hospital room rent, boarding expenses and doctor fees
  • Operation Theatre and Intensive Care charges
  • Nursing expenses
  • Medicines that you consume during the hospital stay
• Pre and Post hospitalisation expenses up to 60 and 90 days respectively
• Alternative treatment taken in accredited or recognised hospitals
• Domiciliary hospitalisation
• Maternity Expenses
• Organ Donor Expenses

We will not pay expenses in the following cases

• Pre existing diseases from inception of the policy up to 4 years of this Policy being in force continuously
• Treatment of illnesses such as Ulcers, Tonsillectomy, Hernia, Cataract, Sinusitis, Gall Bladder Stones, Chronic Renal Failure during the first year of operation of the policy
• Treatment taken outside India
• Outpatient treatment
• Stay in a hospital without undertaking any active regular treatment by the medical practitioner
• Experimental and unproven treatment

Important Note: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.