The policy covers reasonable and customary expenses incurred towards medical treatment taken during the Policy Period for an Illness or an Accident (refer to our sales brochure for more details). The plan comes with the following benefits:
Day Care Procedures:-
We cover all day care procedures, not a select few. However, such a procedure should not be in the outpatient department of the Hospital.
Direct Servicing:-
All claims are processed directly by our own customer services team.
No age restriction for enrollment:-
We cover every member of your family, across every stage in life. There is no minimum or maximum age or enrollment.
Assured Plan Renewal for Life:-
We assure you renewability for life. Once insured with us, you will always remain our customers.
Cashless facility:-
You can access cashless facility at quality hospitals near you.
Relationship Managers:-
For Gold and Platinum customers, we may assign our representative who will personally attend to your claims.
Health Relationship Programme:-
You are eligible for our Health Relationship Program if the Policy is renewed with us without any break. Under this program, you are eligible for health services and products with a market value of up-to 10% of your renewal premium.
24/7 Healthline:-
This facility has been put in place to offer you access to health advice when you need it.
In-patient Treatment:-
Hospital Accommodation:
Reasonable and Customary charges for Hospital accommodation are covered.
Pre & Post hospitalization Medical Expenses:
Medical Expenses incurred due to Illness up to 30 days period immediately before you get admitted to a hospital and 60 days immediately after you get discharged from a Hospital.
Emergency ambulance:-
We will cover ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid once we have accepted an In-patient claim.
Domiciliary Treatment:-
We pay for medical treatment taken at home, which would otherwise have required hospitalization, if on the advice of the attending medical practitioner, the patient cannot be transferred to a hospital or a bed in the hospital is unavailable.
Disclaimer: This
is only a summary of the product features and is for reference purpose only.
For more details on terms and conditions, exclusions and waiting period, please
read sales brochure of Heartbeat Health Insurance Policy carefully before
concluding a sale. Please call our customer service if you require any further
information or clarification. MB/BR/2010-11/333