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Product Name
Health Campanion CARE WITH N.C.B Medicare Premier my: Health Suraksha
1 Term of the policy 1 year/ 2 year 1 year/ 2year/ 3year 1 year/ 2year/ 3year 1 year/ 2year/ 3year
2 Eligibility criteria (Entry age) 3 months to 90 years 3 Months to no age bar 3 Months to 65 years 3 Months to No Age Bar
3 Sum insured options INR 3 lakhs to 1 cr 3,4,5,7,10,15,20,25,30,40,50,60,75 Lakh 5, 10, 15, 20, 25, 50 Lakh 3, 4, 5, 7.5, 10, 15, 20, 25, 50,75 Lakh
No Capping on Room Rent No capping more than 4lakh SA No Capping on Room Rent No Capping on Room Rent
4 Room Rent Capping
(upto Delux) ( Single Pvt. Room ) (upto Delux) ( upto Delux )
5 ICU/CCU Capping Covered up to sum insured No capping more than 4lakh SA Covered up to sum insured Covered up to sum insured
Refill after 1 Claim Auto Recharge after 1st Claim Restore after 1 Claim Regain after SA+NCB Exhaustion
6 Refill/Restore benefit
Same Person Same illness- Not Cover Same Person Same illness- Not Cover Same Person Same illness- Cover Same Person Same illness- Not Cover
20% Every Year, Max-100% 60%+60%+10%+10%+10%=150% 50% Every Year- Max. 100% 10%/ 25% Every Year-Max.100% /200%
Cumulative Bonus
Only Increase, No Decrease on Claim Claim base Reducing Claim Base Reducing Claim Base Reducing (25% above 20L)
FRESH 2019 SA: 1000000-No Claim SA: 1000000-No Claim SA: 1000000-No Claim SA: 10,00,000-No Claim
7 Renewal 2020 SA: 1200000-No Claim SA: 1600000-No Claim SA: 1500000-No Claim SA: 11,00,000-No Claim
Renewal 2021 SA: 1400000-Claim SA: 2200000-Claim SA: 2000000-Claim SA: 12,00,000-Claim
Renewal 2022 SA: 1400000-No Claim SA: 1600000-No Claim SA: 1500000-No Claim SA: 11,00,000-No Claim
Renewal 2023 SA: 1600000-No Claim SA: 2200000-No Claim SA: 2000000-No Claim SA: 12,00,000-No Claim
8 Renewal coverage Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
9 In-patient Treatment Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
10 Pre-hospitalization 30 days 30 days 60 days 60 days
11 Post-hospitalization 60 days 60 days 90 days 180 days
12 Day Care Procedures All day care procedures are covered 541 day care procedures are covered All day care procedures are covered All day care procedures are covered
13 Domiciliary Treatment Covered up to sum insured upto 10% of S.I Covered up to sum insured Yes
14 Organ Donor Expenses Covered up to sum insured Limit, Depend on S.I Covered up to sum insured Yes
upto 1500 for SA 3,4 Lakh, upto 2000 for 3 to 5 L -Rs.2000
Emergency Ambulance Up to 3000 per hospitalization SA 5-10 Lakht, upto 2500 for 15-40 L, upto Upto 5000 per hospitalization 7.5 to 50 L -Rs.3500
15 3000 for 50 above above 50 L Rs.15000
Emergency AIR Ambulance No No upto 5 Lakh per policy year SA 7.5-15 L -Rs.2 L, above 20L -Rs.5 L
Family Transportation No No upto 20000 per policy year NA
Ayush Benefit Covered up to sum insured 20K for SA 5-10 and 30k for SA 15-40 Covered up to sum insured Covered up to sum insured
16
Pre-Post Hosp. Exp. Yes Covered upto Sum Insured No No No
Daily Cash for 0.25% or Upto 2000 for Shared Room/
Optional 500/day upto 5days only on 3 & 4 lakh Not covered
Accompanying an Insured Child below 12 age
17
3-5 L -Rs.5K,7.5-15 L -Rs.15K,
Prolonged Hospitalization Benefit 1% of SA if Hospitalization 10days+
above 20 L Rs.25K if Hosp. 10days+
18 OPD+WELLNESS Not covered Optional Extra Premium (OPD) Rs.5000 p.a from 3rd Policy Year Not covered
OPD Vaccination
19 Rs 5000 Not covered YES Not covered
(In case of Animal bite treatment)
20 Dental Cover No No upto 10000 p.a. from 3rd policy year No
For SA 50 Lakh and above For all SA, Only Diagnostics in India,
21 Global Coverage for Critical illness No No
Dr Recommendation Required Dr Recommendation not required
22 High End Diagnostics Tests No No upto 25000 per policy for listed illness No
23 Health Check-up Annual as per Annexure Annual as per Annexure 1% of SA or Max.Rs.10,000/-p.a. Annual as per Annexure
Covered after a continuous Covered after a continuous Covered after a continuous Covered after a continuous
24 Pre-existing diseases coverage
renewal of 3 years renewal of 4years renewal of 2 years renewal of 3 years
25 General waiting period 30 days 30 days 30 days 30 days
Illnesses
1.Internal Congenital diseases, 2.Non
infective Arthritis, 3.Diseases of gall bladder
1. Pancreatitis and Stones in Biliary and including cholecystitis, 4.Urogenital system e.
Urinary System, 2. Cataract, Glaucoma and g. Kidney stone, Urinary Bladder Stone, 5.
other disorders of lens, disorders of Retina, 3. Pancreatitis, 6.Ulcer and erosion of stomach
Hyperplasia of Prostate, Hydrocele and and duodenum, 7.All forms of Cirrhosis, 8.
1. Arthritis ( if non-infective), Osteoarthritis
spermatocele, 4. Abnormal Utero-vaginal Gastro Esophageal Reflux Disorder (GERD),
and Osteoporosis, Gout, Rheumatism and
bleeding, female genital Prolapse, 1. Tumors, Cysts, polyps including breast 9.Perineal Abscesses, 10.Perianal
Spinal Disorders, Joint Replacement Surgery;
Endometriosis/ Adenomyosis, Fibroids, lumps (benign) 2. Polycystic ovarian disease Abscesses, 11.Cataract, 12.Haemorrhoids
2. Benign ear , nose and throat (ENT)
PCOD, or any condition requiring dilation and 3. Fibromyoma 4. Adenomyosis 5. including, 13.Pilonidal sinus, 14.Gout and
disorders and surgeries (including but not
curettage or Hysterectomy, 5. Hemorrhoids, Endometriosis 6. Prolapsed Uterus 7. Non- rheumatism, 15.Benign tumors, cysts,
limited to Adenoidectomy, Mastoidectomy,
Fissure or Fistula or Abscess of anal and infective arthritis 8. Gout and Rheumatism 9. nodules, 16.polyps including breast lumps,
Tonsillectomy and Tympan Oplasty, Nsasal
rectal region, 6. Hernia of all sites,7. Osteoporosis 10. Ligament, Tendon or 16.Osteoarthritis and osteoporosis, 17.
Septum Deviation, Sinusitis, and Related
Osteoarthritis, Systemic Connective Tissue Meniscal tear (due to injury or otherwise) 11. Polycystic ovarian diseases, Fibroids (
disorders; 3. Benign Prostatic Hypertrophy; 4.
disorders, Dorsopathies, Spondylopathies, Prolapsed Inter Vertebral Disc (due to injury fibromyoma), 18.Sinusitis, Rhinitis, 19.
Cataract; 5. Dilatation and Curettage; 6.
inflammatory Polyarthropathies, Arthrosis or otherwise) 12. Cholelithiasis 13. Tonsillitis, 20.Skin tumors, 21.Benign
Specific waiting periods: Fissure/Fistula in anus, Hemorrhoids/Piles,
such as RA, Gout, Intervertebral Disc Pancreatitis 14. Fissure/fistula in anus, Hyperplasia of Prostate, 22.Fissure/fistula in
26 24 months waiting for Specific Pilonidal Sinus, Gastric and Duodenal Ulcers;
disorders, 8. Chronic kidney disease and haemorrhoids, pilonidal sinus 15. Ulcer & anus.
Diseases 7. Surgery of Genito urinary system unless
failure, 9. Diabetes and its related erosion of stomach & duodenum 16. Gastro
necessitated by maligancy; 8. All type of
complications, 10. Varicose veins of Esophageal Reflux Disorder (GERD) 17. Surgical Procedures
Hernia, Hydrocele; 9. Hysterectomy for
lower extremities, 11. Disease of middle ear Liver Cirrhosis 18. Perineal Abscesses 1.Adenoidectomy, tonsillectomy, 2.
menorrhagia or fibromyoma or prolapse of
and mastoid including Otitis Media, 19. Perianal / Anal Abscesses 20. Calculus Tympanoplasty, Mastoidectomy, 3.Dilatation
uterus unless necessiatated by malignancy;
Cholesteatoma, Perforation diseases of Urogenital system Example: and curettage (D&C), 4.Nasal concha
10. Internal Tumors, Skin Tumors, Cysts,
of Tympanic Membrane, 12. All internal or Kidney stone, Urinary bladder stone. 21. resection, 5.Myomectomy for fibroids, 6.
nodules, polyps including breast lumps (Each
external benign or In Situ Benign Hyperplasia of prostate 22. Varicocele Surgery of Genito urinary system, 7.Surgery
of any kind) unless malignant; 11. Kidney
Neoplasms/Tumours, Cyst, Sinus, 23. Cataract 24. Retinal detachment 25. on prostate, 8.Cholecystectomy, 9.Hernia, 10.
Stone/ Ureteric Stone / Lithotripsy / Gall
Polyp, Nodules, Swelling, Mass or Lump, 13. Glaucoma 26. Congenital Internal Diseases Hydrocele/Rectocele, 11.Surgery for
Bladder Stone; 12. Myomectomy for fibroids;
Ulcer, Erosion and Varices of Upper Gastro prolapsed inter vertebral disc, 12.Joint
13. Varicose veins and varicoseulcers
Intestinal Tract, 14. replacement surgeries, 13.Surgery for
Tonsils and Adenoids, Nasal Septum and varicose veins and varicose ulcers, 14.
Nasal Sinuses, 15. Internal Congenital Surgery for Nasal septum deviation, 15.
Anomaly. Surgery for Perianal Abscesses, 16.
Fissurectomy,Haemorrhoidectomy,
Fistulectomy,ENT surgeries
500,000
SUM ASSURED
1,000,000
1,500,000
2,000,000
500,000
SUM ASSURED
1,000,000
1,500,000
2,000,000
Remarks Premium for Age above 66 is for renewal only Premium for Age above 66 is for renewal only
Total Paid
1,497,573 2,174,994 2,383,064 2,549,022 1,882,335 2,733,654 2,997,201 3,204,430 2,142,547 3,111,549 3,412,687 3,647,797 2,354,387 3,419,400 3,751,102 4,008,958
18 to 80
Above Quotation is subject to verification by Insurance Company. Kindly Check Final Premium before writing cheque. Premium is for Metro City and Inclusive of GST 18%.