Swasthya Kavach (Family Health) Policy

What does the policy cover?

In the unfortunate event of you or your family members meeting with an illness or accident

resulting in hospitalisation, our Swasthya Kavach (Family Health) Policy gives protection cover

for you and your family for any injury or disease related contingencies like hospitalization,

medical expenses, surgical expenses, organ transplantation, etc. The Policy also offers unique

Critical Illness Coverage (Optional) for the family and is available under two variants- Base plan

and Wider Plan and covers the following:

Pre-Hospitalisation:

Medical expenses incurred 30 days prior to the hospitalization are reimbursed.

Hospitalisation:

All expenses including the following reimbursed:

Room and board, doctors' fee, intensive care unit charges, nursing expenses,

surgical fees, operating theatre expenses, anesthesia and oxygen administration

expenses. Room expenses for normal room/ICU limited to 1% /2% of sum

insured per day for Base Plan and 1.5%/2.5% of basic sum insured for Wider Plan

respectively. There are also restrictions on other hospital expenses in accordance

with the room rent under the Base Plan.

Post-Hospitalisation:

Once discharged from hospital, the policy shall pay for medical expenses related

to the hospitalisation, for a period of 30 days after discharge subject to specified

limits under Base Plan and 60 days after discharge under wider plan.

Day care surgeries: The policy covers 121 defined day care surgeries that requires less than 24 hours

hospitalisation and ordinarily fall outside the scope of most health insurance

policies.

Hospital Daily Allowance: In addition to hospital expenses, a daily allowance will be paid for the period of

hospitalisation.

Emergency Assistance Service:

In the event of an emergency, assistance services like medical consultation,

evaluation and referral, emergency medical evacuation, care for minor children

etc are provided.

Local Ambulance Service:

In the event of an emergency, cover is provided for expenses incurred on

ambulance services to the nearest hospital where Emergency Health facilities are

available.

General Health Check-up:

You will be reimbursed the expenses incurred for general health examination

(once in a block of 4 claims free years) – Applicable only under Wider Plan

Cumulative bonus : You will be provided with a 5% extra sum insured for every claims free year

subject to a maximum of 50% of capital sum insured- Applicable only under

Wider Plan

Benefits under Section - 80D: Premium upto Rs. 15,000 is eligible for self, spouse and dependant children with

deductions under Section 80D of Income Tax Act, 1961.

ITGI’s Swasthya Kavach Policy ensures comprehensive coverage by offering value added

features, at a nominal increase in premium, like:

Critical illness extension for family:

o You will be covered for 10 named critical illness for double the basic cover sum

insured. 10 Critical Illness include: Paralytic Stroke, Cancer, Renal Failure,

Coronary Artery Disease, Major Injuries, End Stage Liver Disease, Major Burns,

Coma, Major Organ Transplant and Multiple Sclerosis

What does the policy not cover?

Diseases, which have been in existence at the inception of the policy

Illness that commenced during the first 30 days of inception of the first policy.

During the first year of the Policy, the expenses on treatment of diseases such as

Tonsillitis/ Adenoids, Gastric or Duodenal Ulcer, any type of Cyst/ Nodules/ Polyps, any

type of Breast lumps.

During the first two continuous years of the insurance with us, the expenses on treatment

of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for

Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis,

Choletithiasis and Cholecystectomy, Inter- vertebral Disc Prolapse (other than caused by

an accident), Osteoarthritis, Varicose Veins / Varicose Ulcers etc.

Naturopathy, acupuncture, magnetic treatment, alternative medicines, etc

Under the Base Plan, during the first two continuous years of the Policy, the expenses on

treatment of diseases such as Renal Failure, Heart Diseases, any type of

Carcinoma/Sarcoma/Blood Cancer.

For a complete list of exclusions, refer to the policy.

Swasthya Kavach (Family Health) covers

Hospitalisation

Pre-hospitalisation

Post - Hospitalisation.

Emergency Assistance Service

Local Ambulance Service.

Critical Illness extension (Optional)

Indicative Premium

Sum Insured options under this policy are Rs 2 lacs, 3 lacs, 4 lacs and 5 lacs only.

(Base Plan) 2 Adults + 2 children

YEARS Upto 25

years

26-35 years

36-45

years

46-55

years

56-60

years 61-65 years S.I

200,000 3,150 3,443 4,310 6,525 9,218 11,523

300,000 3,663 3,976 5,200 9,293 13,206 16,508

400,000 4,570 4,961 6,229 11,829 16,910 21,138

500,000 5,478 6,259 7,777 13,791 19,788 24,735

(Wider Plan) 2 Adults + 2 Children

YEARS Upto 25

years

26-35 years

36-45

years

46-55

years

56-60

years 61-65 years S.I

200,000 3,652 3,974 5,297 8,458 11,949 14,936

300,000 4,852 5,544 7,038 12,046 17,119 21,399

400,000 6,054 6,918 8,782 15,334 21,920 27,400

500,000 7,257 8,292 10,526 18,622 26,721 33,401

(Wider Plan with Critical Illness) 2 Adults + 2 Children

YEARS Upto 25

years

26-35 years

36-45

years

46-55

years

56-60

years 61-65 years S.I

200,000 4,565 4,968 6,622 10,573 14,936 18,670

300,000 6,065 6,930 8,798 15,058 21,399 26,749

400,000 7,568 8,648 10,978 19,168 27,400 34,250

500,000 9,071 10,365 13,158 23,278 33,401 41,751

Benefits / rates given are indicative Maximum

Entry Age: Proposer: 18 years to 60 Years and dependent children: 91 days to 23 years

(medical reports required for age of 45 years and above

Photographs of all insured members compulsory

Rates not Inclusive of Service Taxes.

SECTIONED 80D INCOME TAX BENEFITS:

Premium upto Rs. 15,000 is eligible for tax deductions for self, spouse and dependant children

under Section 80D of Income Tax Act, 1961.