Aegon Religare Ihealth Plan
Aegon Religare iHealth Plan is a comprehensive Health Insurance Plan from Aegon Religare with exclusive benefits. This plan can be taken for the entire family. This plan can be purchased Online.
Key Features
- This plan is a comprehensive Health Plan
- This plan covers 849 surgeries
- The health coverage can be increased every 3 years by 10%
- There is an additional Critical Illness Rider Benefit in this plan
- A Lumpsum Benefit is paid out on diagnosis of any of the Critical Illnesses
- Till 45 years of age, there is no requirement of any medicals
This plan covers Congenital Benefit for new born children, whose parents are covered
This plan covers Self, Spouse, upto 4 Children, dependent parents and parents-in-law and also dependent siblings can be included in this plan under different options
- This plan provides guaranteed coverage till 100 years of age
- This plan is for 3 years and hence the premium is guaranteed for the entire period of 3 years.
- It pays a fixed amount irrespective of the actual billed amount
There is a No Claim Bonus available of 10% increase in benefit amount
Benefits
This plan Provides for Daily Hospitalization Benefit of Rs 3000 and Rs 5000 per day
There is an additional Surgical Cash Benefit for 6 types of specified surgeries which includes 849 types of surgeries
On diagnosis of any of the 10 mentioned Critical Illnesses, a fixed amount is paid as Critical Illness Benefit, irrespective of the actual amount spent. This benefit is provided as an additional rider benefit.
This plan covers Congenital Benefit, i.e. Medically Necessary Surgical Procedures required to correct congenital defects in a child.
There in no Death Benefit in this plan.
This plan being a pure Health Insurance Plan has no Maturity Benefit as well.
Health Insurance Premiums paid up to Rs. 15,000 for normal residents and Rs 20,000 for Senior Citizen are allowed as a deduction from the taxable income each year under section 80D
- There is an increase of benefit amount by 10% for every claim free year
- There is no requirement of medical tests till 45 years of age under this plan
- There is an option of increasing the Benefit Amount by 10% every years
- Critical Illness Benefit rider for the following Critical Illnesses:
- Alzheimer’s disease
- Blindness
- Muscular dystrophy
- Cardiomypathy
- Cancer
- Stroke
- Paralysis
- Coma
- Aplastic anaemia
- Kidney Failure
How it works
Eligibility
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Minimum
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Maximum
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|
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Daily Hospitalization Benefit Sum Assured (in Rs.)
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Gold: 3,00,000
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Platinum: 5,00,000
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Policy Term (in years)
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15
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|
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Premium Payment Term (in years)
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Equal to Policy Term, ( premium fixed for 3 yrs)
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|
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Entry Age of Life Insured (in years)
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18
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70
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Entry Age of Child (in years)
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90 days
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17
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Age at Maturity (in years)
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-
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100
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Payment modes
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Only Annual
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Exclusions
- There is a waiting period of 90 days from policy inception for all benefits to be applicable except accidental hospitalization
- Specific waiting periods of 2 years will apply in case of some specific surgeries
- Any claim occurring as a result of Pre-existing conditions or their resultant complications unless stated in the proposal form and specifically accepted by the Company and endorsed thereon
- AIDS, HIV related complications or any Sexually Transmitted Diseases
- Attempted suicide or self inflicted injury, irrespective of the mental condition
- Hazardous sports or activities included but not limited to bungee jumping, mountaineering etc.
- Any flying activity other than as a bonafide passenger
- Under the influence of alcohol, drugs or any substance not prescribed by a Registered Medical Practitioner
- War, riots, civil commotion, strikes, civil war or service in the military or paramilitary forces of a country at war
- Criminal, unlawful or illegal activity participation
- Exposure to radioactive or nuclear fuel
- Diagnosis or treatment taken outside India
- Psychiatric or mental illness
- Circumcision, any cosmetic procedures or Plastic Surgery
- Pregnancy, childbirth or their complications, Abortion, Medical Termination of Pregnancy, Infertility or sex change operation
- Organ donation (donor costs)
- Rehabilitation or convalescent care or length beyond customary length of stay
- Non-Allopathic treatment
- Purely investigative procedure not resulting in any treatment or unreasonable failure to seek medical advice
- Congenital conditions, genetic disorders or birth defects unless specifically covered
- All dental surgery or treatment are excluded except those arising due to accident and recommended by a registered and qualified medical practitioner
FAQs
What happens if you want a loan against the policyholder policy?There is no loan available under this plan.
What happens if you stop paying the premium?What happens if you want to surrender the policy?This policy has no Surrender Benefits.
Aegon Religare iHealth Plan cover Pre-existing Diseases?As mentioned under Exclusions, Aegon Religare iHealth Plan does not cover Pre existing Diseases and hospitalization from the same. It is not even after continuous renewals as in other plans.
Do I need to get my Medicals done under Aegon Religare iHealth Plan?Is Maternity Benefit provided under Aegon Religare iHealth Plan?As mentioned under Exclusions, Aegon Religare iHealth Plan does not cover Maternity Benefit and hospitalization from the same. It is not even covered after continuous renewals as in some health insurance plans.
Claim Process
- The AEGON Religare iHealth ID Card and any photo ID needs to be presented to the hospital and the hospital will submit the pre-authorisation form with signature
- The Claim Request will be checked
- The Claim Request will be authorised
- And the claim would be settled directly to the hospital
- The hospital bill needs to be settled initially by out-of-pocket payment
- Once discharged, the claim documents needs to be submitted
- Then the Claim Request will be checked and authorized and paid directly to the policyholder
All claims requests are to be sent to either the nearest Aegon Religare Life Branch or for any claims/ product-related queries or servicing requests, please contact their Customer Care Toll- Free number at 1800-209-9090 or contact the Third Party Administrator at 1800-22-6655 or 022-6662-0808.
