userThe Out Patient Care Insurance Policy is designed to cover outpatient expenses, providing flexibility and coverage for individuals and families.
Plan Essentials:
1. Outpatient Cover: Covers outpatient consultation, diagnosis, and treatment expenses at any network facility in India.
2. Cover Options:
Available for individuals or families (up to 6 members).
Sum Insured options: ₹25,000, ₹50,000, ₹75,000, and ₹1,00,000.
3. Plan Options:
Silver Plan: Pre-existing diseases covered after 48 months.
Gold Plan: Pre-existing diseases covered after 24 months.
Platinum Plan: Pre-existing diseases covered after 12 months.
4. Non-Allopathic Treatment: Covers outpatient consultation and treatment expenses under AYUSH systems (Ayurveda, Yoga, Unani, Siddha, Homeopathy).
5. Diagnostics, Physiotherapy, and Pharmacy:
Expenses for these services at network facilities are covered.
6. Dental Cover: Covers dental treatment for natural teeth or accidents.
7. Ophthalmic Cover: Covers expenses for eye treatments due to accidental injuries.
Important Highlights:
1. Policy Type: Available as Individual or Floater basis.
2. Policy Term: One year with lifelong renewal option.
3. Entry Age:
Adults: 18–50 years.
Dependent children: Covered from the 31st day up to 25 years under family plans.
4. Outpatient Services: Includes consultation, diagnostics, physiotherapy, pharmacy, dental, and ophthalmic treatments at network facilities.
5. AYUSH Coverage: Covers outpatient treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
6. Dental Treatment: Covers expenses for natural tooth-related treatments or accident-related dental injuries.
7. Ophthalmic Cover: Provides coverage for eye treatments due to accidents.
8. Renewal Discount: A 25% discount on premium is provided after every two continuous claim-free years.
Key Benefits:
- Flexible Plans: Choose from Silver, Gold, or Platinum based on pre-existing disease waiting period requirements.
- Comprehensive Coverage: Includes diagnostics, pharmacy, dental, and alternative treatments.
- Lifelong Renewal: Ensures coverage without interruption.
- Renewal Incentives: Rewards claim-free years with premium discounts.
For detailed terms and conditions, refer to the policy document.
FAQs
Rahul Khanna
