Personal Accident Insurance
Policy Exclusions
The Company shall not be liable under this policy for:
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Compensation/claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person. |
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Claims arising out of sickness/illness. |
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Death, injury or disablement of Insured Person |
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- from intentional self-injury, suicide or attempted suicide; |
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- whilst under the influence of intoxicating liquor or drugs; |
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- whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world. |
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- directly or indirectly caused by veneral disease or insanity; |
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- arising or resulting from the Insured committing any breach of the law with criminal intent. |
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- war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds. |
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Nuclear weapon induced treatment |
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Childbirth or pregnancy or in consequence thereof. |
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For more details, kindly refer to the
Policy Wording
Permanent exclusions
Any internal congenital illness.
Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment.
Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
War, riots, strike, nuclear weapon, induced treatment.
For more details, kindly refer to the
Policy Wording.
Claims
Please select your service provider to view the network hospital list: Please select your service provider to view the network hospital list:
Frequently Asked Questions (FAQs)
I already have a health insurance from my employer. Do I still need Family Floater?
Yes. Your employer will cover your medical expenses only as long as you are providing him services. But if you change your job, retire or start something of your own venture, your personal health policy would be your shield.
Secondly, the extent of cover offered by the employer may be below than what your need. The Family Floater policy will supplement your existing medical policy.
Also, Family Floater provides a cover for all the insured family members under a single policy.
Do I get multiple health cards for every individual covered?
Yes. Although all the members are covered under one policy, each one of them shall get an individual health card.
How do I select the appropriate cover amount?
Consider the following factors Frequently Asked Questions (FAQs)
Your age: Age is a critical factor for determining the cover since health risk increases with age.
Pre-existing / hereditary diseases: Pre-existing diseases are covered subject to sub-limits and waiting period. For example: A person whose parents suffer from Diabetes is more prone to the same disease,here we recommend a higher cover at an early age in order to cover such pre-existing diseases.
Financial status: Consider your financial status and lifestyle before selecting the coverage amount.
Does a higher cover guarantee better protection?
A higher cover protects you from a medical emergency, which can burn a hole in your procket. Today, people are more prone to various ailments and health problems due to fast-paced lifestyle and erratic schedules. Rising medical cost is a major deterrent, and thus, a higher cover would guarantee you a better protection.
When do I have to take a medical check-up? What is the period for the medical check-up i.e., from the start date of the policy?
On purchase of the policy, we would inform you on the medical check-up routine. Ideally, the check-ups are conducted within 5 days of paying the first premium.
How can I obtain a hard copy of my policy?
You can select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days.
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Student Medical Insurance
