A Consumer’s Guide to Health Insurance

members. The product offers the consumers health insurance as well as the ULIP benefit by investing the savings in the form of units in Health Protection Plus Fund. The major benefits of this product are given below:

Hospital Cash Benefit: Daily an amount of money is given in case the insured is hospitalized due to either accidental body injury or sickness. The amount of money depends upon the level of cover opted.

Major Surgical Benefit: In the event of the consumer undergoing one of the major surgeries defined in the insurance plan, an amount equivalent to the percentage of the sum assured mentioned against that surgery will be payable on providing hospital bills and reports as a proof of surgery to the satisfaction of the corporation.

Domiciliary Treatment Benefit: The Principal insured can claim an amount equivalent to the actual expense he or she has incurred in respect of any domiciliary treatment. He can also claim the medical expenses incurred over and above the hospital cash or major surgical benefits in respect of either oneself or the others covered under the product.

The minimum policy entry age of the principal insured and his spouse is 18