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Rishtey – Parents’ Health Insurance Gift your parents something special and unique - gift them the assurance of good health and your support, even though you are miles away. Rishtey is a comprehensive health plan that takes care of your family's hospitalisation expenses, even if you are unable to be around. 
Policy Details Key Benefits
Key Benefits
* Medical Emergencies include - Stroke, Heart Attack (MI), Coronary Artery Bypass Graft Surgery, Kidney Failure, End-stage Renal Failure, End-stage Liver Disease and Brain Tumour Surgery. ** Tax benefits are subject to tax laws. Click here to calculate your tax saving *** E mail is sent to the ID entered while registering on our website. SMS is sent only to Indian mobile numbers. **** EMI facility available only for ICICI Bank, Citibank and HDFC Bank (up to 6 months) credit card customers at the sole discretion of the Banks. Note: EMI option subject to minimum annual premium of  10,000. Click here to know more.What is covered
What is covered
* Conditions Apply ** Medical emergencies for air ticket will include: Stroke, Heart Attack (MI), Coronary Artery, Bypass Graft Surgery, Kidney Failure, End-stage Renal Failure, End-stage Liver Disease and Brain Tumour Surgery. *** If it's not a pre-existing illness Coverage limit for specific ailments / conditions: Certain specific ailment(s) / surgery(s)/ procedure(s) are covered up to pre-defined limits under this policy (subject to the total sum insured). Click here for the details. Terms of Renewability Your Rishtey Health Plan can be renewed instantly. Click here to know more. View Premium Table For complete details, refer to the Policy Wordings. What is not covered Exclusions valid for the first 30 Days
What is not coveredExclusions valid for the first 30 Days
Exclusions valid for the first 2 Years
If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the fourth year onwards, subject to continuous renewal of the policy with us. Permanent exclusions
For details, kindly refer to Policy Wordings. Eligibility
Eligibility
For details, kindly refer to Policy Wordings. Claims Identify your Service Provider Refer to your cashless claim card and check the logo displayed to determine your service provider ClaimsIdentify your Service Provider Refer to your cashless claim card and check the logo displayed to determine your service provider
Health Insurance and You
The commonest form of health insurance policies in India cover the expenses incurred on hospitalisation, though a variety of products are now available which offer a range of health covers, depending on the need and choice of the insured. The health insurer usually provides either direct payment to hospital (cashless facility) or reimburses the expenses associated with illnesses and injuries or disburses a fixed benefit on occurrence of an illness. The type and amount of health care costs that will be covered by the health plan are specified in advance in the form of policy wordings and documents. Health Insurance and You
The commonest form of health insurance policies in India cover the expenses incurred on hospitalisation, though a variety of products are now available which offer a range of health covers, depending on the need and choice of the insured. The health insurer usually provides either direct payment to hospital (cashless facility) or reimburses the expenses associated with illnesses and injuries or disburses a fixed benefit on occurrence of an illness. The type and amount of health care costs that will be covered by the health plan are specified in advance in the form of policy wordings and documents. Why should I buy Health Insurance? Even though you are healthy you still need health insurance. Buying health insurance protects us from the sudden, unexpected costs of hospitalisation (or other covered health events, like critical illnesses) which would otherwise make a major dent into household savings or even lead to indebtedness. Each of us is exposed to various health hazards and a medical emergency can strike anyone of us without any prior warning. When should I buy Health Insurance? A question often asked is whether health insurance can be bought when you are about to be hospitalised. It is important to understand that insurance usually covers an unexpected event and hence the coverage will typically not be available in such a case. It is always better to start your health insurance cover at a young age and to ensure that you are continuously and adequately covered for your health expenses in case such an eventuality arises. What if I am already covered by my company? You may already have some kind of health insurance cover from your employer, but you must evaluate if it is adequate for you and your family’s needs. Furthermore there could be situations where you are no longer in the same employment and do not have the benefit of the employer’s health insurance. In such a scenario having your own health insurance policy will be of value. What are some of the other benefits of Health Insurance? Health insurance also comes with attractive tax benefits as an added incentive. There is an exclusive section (80D) of the Income Tax Act which provides tax benefits for health insurance. Currently, purchasers of health insurance who have purchased the policy by any payment mode other than cash can avail of an annual deduction of 15,000 from their taxable income for payment of Health Insurance premium for self, spouse and children. For senior citizens, this deduction is higher, and is 20,000. Further, since the financial year 2008-09, an additional 15,000 is available as deduction for health insurance premium paid on behalf of parents, which again is 20,000 if the parents are senior citizens.
All of us need health insurance, and for all members of the family, to ensure protection from the unexpected costs of medical events.  Want us to call you back? Testimonials Mr. Ajit Deshpande, Pune - Maharashtra “I am quite amazed to buy a policy from ICICI Lombard. There was no paperwork, no health check-up, no cheque payments, no reminder calls etc." Read more Find your local Hospital Login Insurance 24x7   |
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