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Advantage Healthsurance®

 

IDBI Federal Healthsurance® Hospitalisation and Surgical Plan is a power packed plan with loads of benefits that aim to keep you tension free.

  • Daily hospital cash benefit paid for each day (24 hours) spent in an eligible hospital (from day 2 onwards): Rs. 500, Rs. 1,000, Rs. 1,500 or Rs. 2,000 depending on your choice of benefit level
  • Higher daily hospital cash benefits of Rs 3,000 and Rs. 4,000 available, subject to suitable proof of income
  • Additional daily benefit equal to the daily hospital cash benefit, from day 2 onwards for hospitalisation in an Intensive Care Unit, (up to an overall maximum daily benefit of Rs. 5,000)
  • Additional lump sum surgery benefit paid if you undergo any of the wide range of surgical procedures specified in this brochure: either 50 or 100 times your chosen daily benefit, depending on the severity of the surgery
  • Three times your daily hospital cash benefit paid as a lump sum convalescence benefit (maximum once per year) if your hospital stay is at least 168 continuous hours (at least 7 consecutive days)
  • Generous total benefit limits. Up to 500 times your daily hospital cash benefit each year; up to 2,000 times your daily hospital cash benefit over the lifetime of your policy
  • Cover lasts until you are aged 65 years, provided you continue to pay your premiums in the agreed manner and as long as your lifetime benefits limit (2,000 times your daily hospital cash benefit) has not been reached
  • Your choice of nominee, to whom any outstanding benefits will be paid, in the event of the death of the insured person
  • Low-cost monthly premiums that depend on your age at the outset (please see table). Your premium will never increase because of any changes in your age, health, or the number of claims you make. However, IDBI Federal Life Insurance Co. Ltd. does reserve the right (subject to IRDA approval) to increase premiums in the future across all its specified plans.

Note: In this plan, "hospitalisation" means any admission in hospital upon the written advice of a medical practitioner for the purpose of necessary medical treatment of an illness or injury and resulting in an overnight stay. It’s easy to apply, and enjoy peace of mind. To apply for the protection of the IDBI Federal Healthsurance® Hospitalisation and Surgical Plan, simply choose the level of cover you require from the table below and complete the application form.