Individual Health Insurance

Individual Health
Insurance

In today’s world, cost of medical expenses have soared high due to advancement in medical technology, making healthcare unaffordable for many; it's therefore important to have a health insurance plan for yourself and your loved ones which will come handy during the time of distress. We at TMIBASL, help you in the process of buying a Health Insurance policy. Currently, we are offering Arogya Sanjeevani policy a standardised health insurance product across all insurers that will cover hospitalization expenses and treatment charges to reduce your financial burden.

Arogya Sanjeevani Policy

With the daily rigour of stressful living, increase in lifestyle diseases, outbreak of pandemics and increased cost of medical treatment, the need for having the protection of a health insurance cannot be emphasized enough.

Selecting the best-suited insurance can be quite daunting, as it involves ensuring that one has opted for a product which best addresses his or her unique needs. The plethora of products available in the market, coupled with complex policy wordings and a multitude of exclusions often makes the process of selection of a right product difficult for the customer.

To address this concern and based on the recommendation of The Government of India and Insurance Regulatory & Development Authority of India (IRDAI), General Insurance and Health Insurance companies have come up with a new product solution namely, AROGYA SANJEEVANI. At TMIBASL, we provide you this policy at competitive market price offered by a wide range of Insurance companies empanelled with us.

For Policy related
queries contact:

Contact

Mr. Sumit Rungta

Head - Affinity

corpcomm@tmibasl.com

Here is what makes the AROGYA SANJEEVANI health insurance attractive:

  • Choosing a health insurance policy has never been this easy -
    Similar benefits, coverage terms and exclusions offered by all Insurers. Select right insurance partner based on Insurer’s claim settlement history, serviceability record, premium, hospital network and its digital capabilities.
  • Wider family definition allowing inclusion of Individuals and Spouse, Dependent Children, Parents and Parent-In-Laws. Opt for this policy if you wish to cover your entire family (upto 10 people) in one plan.
  • Entry Age of Proposer: 18-65 years
  • Entry Age of Dependent Children: 3 months – 25 years

Lifetime Guaranteed Renewals

Flexibility to choose between Individual Sum Insured for each covered person or Family Floater.

Policy period - one year

Portability option is available

Coverage limits extending from INR 1 Lakh to INR 5 Lakh

Affordability & Convenience to pay the premium in Monthly, Quarterly, Semi-Annually or Annual mode.

No mandatory pre-medical check-up requirements up to the age 55* years

Cashless Treatment available at a large number of network hospitals across the country

Treatments towards AYUSH, HIV, Mental Illness and Genetic disorders are also payable under the policy, these treatments are covered by other health insurance plans offered in the market but they usually come at a higher premium

Dental treatment and Plastic Surgery necessitated due to disease or injury covered, which are usually not covered by basic plans

COVID 19 or Corona Virus covered

Co-payment of 5% on every claim, means you have to pay 5% of the sum insured from your pocket, while the rest of the cost is borne by the insurer

CUMULATIVE BONUS of 5% FOR EVERY CLAIM FREE YEAR, MAXIMUM UPTO 50%

Modern Treatments covered upto 50% of Sum Insured

Sub limits on cataract surgery up to 25% of sum insured or Rs.40,000 whichever is lower

Income Tax Benefits available u/s 80D of the current Income Tax Act

Exclusions:

Some of the prominent exclusions are:

Admission primarily for investigation & evaluation

Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.

Any services for people who are terminally ill to address physical, social, emotional and spiritual needs

Maternity expenses except ectopic pregnancy & accidental miscarriage

Expenses related to surgical treatment of obesity / weight control

Change-of-Gender treatments

Cosmetic or plastic Surgery

Treatment caused due to hazardous or adventure sports

Alcoholism, drug or substance abuse or any addictive condition and consequences thereof

Treatment taken outside India

Pre-existing diseases from inception of the policy up to 4 years of the policy being activated

Health insurance is no longer a complex term but a necessity in today’s world. If you are looking at securing your loved ones with a wide cover health insurance policy at an affordable premium then you are at the right place!

Disclaimer: For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Subscribe To Our Newsletter

Stay updated with the latest news from TMIBASL

Follow Us On

Motor Insurance - Toll Free Number:

Tata Motors Customers -
18002090060

Ford Customers -
18002582545

Composite Broker License No. 375 I Validity 13/05/2020 to 12/05/2023 I CIN: U50300MH1997PLC149349 | IBAI Membership No. 35375
A sister Company of TATA AIA Life Insurance Company Limited and TATA AIG General Insurance Company Limited  |  Terms & Conditions  |  Broker Code of Conduct  |  Privacy Policy  |  IRDAI  |  IBAI