Age Limit: – Any person aged between 5 months to 60 years residing in India can take this  Insurance.

Family Includes: – Proposer, Spouse, dependent children up to 25 years, those who are  economically dependent on their parents.

Discount: – A discount of 10% on Premium is allowed on renewal of the policy if there is no  claim in the immediately preceding year of the policy. This discount is not cumulative.

Policy Benefits

• Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding charges as per policy conditions.
• Nursing expenses
• Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period

Exclusions: -

• Expenses for the treatment of any illness/ disease/condition which is pre-existing
• Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
• First Two Years Exclusions : Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident), Prolapse of intervertebral disc(other than caused by accident),varicose veins and varicose ulcers
• First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders,congenital internal disease/defects, removal of gallstones and renal stone
• Naturopathy treatment
• Expenses which are purely diagnostic in nature with no positive existence of any disease
• Expenses incurred for non-allopathic treatment
• Treatment of external Congenital disease/defects/anomalies
• Expenses which are mainly cosmetic in nature.

Age Limit: – For people aged between 60 and 69 years.Guaranteed renewals beyond 69 years.

Major product features :-

• No pre-insurance medical test required
• Treatment at network hospitals only
• All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal
• Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards

Policy benefits

• Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @1% of sum
• ICU expenses per day @ 2% of sum insured
• Nursing expenses
• Surgeon’s fees, consultant’s fees, Anesthetist’s and specialist’s fees, per illness @ 25% of sum insured
• Cost of blood, oxygen, pacemaker
• Cost of drugs and diagnostic tests @ 50% of sum insured per hospitalization
• Treatment for Cardiovascular Diseases / Cerebrovascular Accident/Cancer and breakage of Bones : upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-
• Cataract (both eyes included), up to Rs.15,000/-
• Renal Complications : up to Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-
• All other Major Surgeries : upto Rs.60,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,20,000/- where the sum insured is Rs.2,00,000/-
• Emergency Ambulance Charges for transporting the Insured Person to the Hospital @Rs.600/- per Hospitalization and Rs.1200/- per Policy period

Exclusions

• Treatments currently availed or availed during the previous 12 months from date of proposal
• Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
• First Two-year exclusions : Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy
• Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery(other than caused by an accident),Prolapsed Intervertebral Discs, Varicose Veins, Ulcers
• Naturopathy treatment
• Expenses which are purely diagnostic in nature with no positive existence of any disease
• Expenses for treatments that are mainly cosmetic in nature
• 50% co-payment applicable for pre-existing diseases conditions
• 30% co-payment applicable for all other claims

For Buy/ Purchase or Renew your Star Health Senor Citizen Red Carpet Policy Call us on 9825472919.

• Family floater
• Cashless settlement
• Innovative covers offered
• Quick settlement of claims
• Renewal discount
• Cumulative bonus

Contact us on 098254 72919 for buy/ purchase a new policy or renew with Future Generali General Insurance. Avdhoot Investment is Corporate Agent for General Insurance.

Family Floater Health Insurance Plan lets you share the entire sum insured among the family members covered under the policy, without any individual upper limits.

Policy Details

Key Benefits

• Comprehensive coverage for your family with floater benefit.
• Cashless claims facility at over 4000+ network hospitals across India.
• Continue to enjoy quality service even during claim settlements with ICICI Lombard Health Care- our own in house health claim processing and wellness team.
• No Sub-limits on room rent, doctor fees and hospital charges or for any disease or any hospitalization expenses.
• You will get a Free health check-up coupon for any one insured family member, valid for the policy period.

What is Covered

• Medical expenses incurred as an impliment during hospitalisation for more than 24 hours, including room charges, doctor/surgeon’s fee, medical bills, etc.
• Medical expenses incurred 30 days prior and 60 days post hospitalisation.
• Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy).

What is not Covered?

Exclusion valid for the first 30 days.
Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.

Eligibility

• The customer can buy the policy for any family member(s) children and/ or parents.
  The Senior most person to be insured should be between 5 to 60 years of age.
• The Proposer needs to be aged above 18 years.

Claims
Refer to you cashless claim card and check th logo displayed to determine your service provider. Or Call us on +91- 98254 72919 for more detail.

• No.1 private sector Health Insurance Company in India. Source IRDA Unaudited results
• India’s first Exclusive Standalone Health Insurance Company
• Pan India Presence
• No-Claim discount
• 24 X 7 FREE Expert Doctor consultation
• Large Hospital Network of more than 4600 Hospitals
• Cashless Hospitalization Facility
• Faster settlement of Claims, no TPA involved
• Wide range of Products

 Future Generali is one of the most popular insurance company in India. You name any kind of insurance plans, Future Generali will surely help you in your insurance needs.

There are various Future Generali General Insurance  that anyone can go for. But before you go for any Future Generali General Insurance , you must check the company profile and the history of the return and services.

Insurance is a subject matter of solicitation so when you buy any General Insurance from Future Generali, you must read all the documents carefully and once you are sure, then only sign the document. Future Generali  General Insurance  will surely help you in your insurance requirement.

We believe that every one should go for Future Generali General Insurance , to protect their future from any mis happening.

Motor Insurance

Health Insurance

Personal Accident Plans

Travel Insurance

Home Insurance

Corporate Products

Services
The product range of Royal Sundaram Alliance Insurance Company Limited has been designed in such a way that it caters to the need of a wide variety of customers, right from the common man to corporate conglomerates and even social sector companies. The company has many firsts to its credit. It was the first company to offer cashless hospitalization, the first to offer segment specific business solutions, first to offer co-branded credit cards and the first one to introduce industry-specific proposition.

Branches
Royal Sundaram Alliance Insurance Company Limited was set up with its head office in the Chennai city. Today, it boasts of four regional offices, namely in Chennai, Mumbai, Gurgaon and Kolkata, apart from over 35 branch offices. The company caters to customers in as many as 150 cities, through a combination of its own branches and those of its partners. The customers, potential as well as present, can reach the insurance company directly (even online) and also through its partners, agents, and brokers.

Products

Individual Solutions

• Accident Shield
• Car Shield
• Family Health Insurance
• Health Shield
• Home Contents Insurance
• Home Shield
• Travel Shield

Business Solutions

• Marine Insurance
• Theft/Burglary Insurance
• Engineering Insurance
• Liability Insurance
• Industrial All Risks
• Office Shield
• Hotel Shield
• Excelerator Shield
• Enterprise Shield
• Education Shield
• Traders Shield
• All Risks
• Standard Fire and Special Perils
• Consequential Loss (Fire)

Employee Solutions

• Group Health Insurance
• Group Accident Insurance
• Workmen’s Compensation

Rural Sector

• Farmers Insurance
• Livestock Insurance
• Pumps Insurance
• Rural Personal Accident Insurance
• Janatha Personal Accident Insurance
• Rural Micro Enterprise Shield
• Rural Hospital Cash Insurance

Social Sector

• Shakti Health Shield
• Shakthi Security Shield

Under the ICICI Lombard Shop Insurance certain things are covered. Those are:

• Fire (Building and Contents) – The losses covered by fire, riot, strike, lightning, flood, storm, cyclone, terrorism etc are covered.
• Burglary – It protects the contents in the shop against any loss or damage caused by burglary and also the cash kept in the safe.
• Cash in transit – the losses caused due to burglary in cash while carrying it from the ATM or bank are covered.
• Glass breakage – It covers the losses or damage to the fixed plain glasses caused due to any external or internal accident.
• Damage to neon sign – It covers the neon or glow signs exposed at the location of the shop to against, damage, fire, accident, riot etc.
• Cheque forgery – The forgery caused due to material alteration of cheques and drafts and other negotiable instruments drawn in favor of the shop are covered.
• Fidelity – It covers the direct financial losses caused due to fraud by the regular employees.
• Tenant’s legal liability – it provides the cover for the legal liability imposed by the owner of the property on account of any damage.
• Employer’s liability – It covers the legal liabilities of the employees.
The beneficiary feature of ICICI Lombard Shop Insurance is that it covers certain additional option available in making the most comprehensive policy.

The liabilities excluded under these policies are:

• Atmospheric conditions
• Damage or destruction caused by war perils
• Wear and tear
• Willful destruction of property by the following

Instruments

Car Insurance
Health Insurance*
Health Insurance by Bajaj Allianz is classified into 9 essential policy assets which fulfills customers several different needs in their family health crisis period.

• Health Guard
• Hospital Cash
• Critical Illness
• Personal Guard
• Silver Health
• E-Opinion
• Star Package
• Health Ensure
• Insta Sure (new)

Insurance

• It comprises of 7 different policies which offers
• Travel Companion
• Student Companion
• Pravasi Bharti Bima Yojana
• Travel Asia
• Travel Elite
• Travel Assist
• Swades Yatra

CORPORATE INSURANCE

• Speciality Lines
• Your Employees
• Office
• Manufacturing Unit

Apart from individual policies, Apollo DKV Insurance also offers products for corporates. With its being philosophy Let’s Stay Healthy’, the insurance company believes in imbibing the components of wellness and prevention in each of its products and services. The unique array of its products has been developed to keep the health-related risks of the customers at bay. Along with health, personal accident and travel policies, Apollo DKV Insurance also plans to roll out out-patient care, long-term care and disease management solution.

Services & Network
Apollo DKV Insurance Company Limited offers a wide and comprehensive range of innovative insurance products, covering the arena of health, travel and personal accident. With a presence in all the key cities of India, the insurance company aims to provide the best service to its customers. It has further plans of increasing its network, with 100 offices at different locations. It offers policies on a ‘Cashless Basis’ in over 4000 hospitals across India, including the 42 Apollo hospitals, and on a Reimbursement Basis’ in all the hospitals of the country.

Products

Individual Solutions

Health

• Easy Health – Individual
• Easy Health – Family Floater

Personal Accident

• Individual Personal Accident Plan

Travel

• Easy Travel – Individual
• Easy Travel – Family
• Easy Travel – Senior Citizen
• Easy Travel – Annual Multi Trip

Corporate Solutions

• Easy Health Corporate
• Group Personal Accident
• Easy Travel Corporate