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Insurance Article

Benefits of Choosing a Health Insurance Cover with a Health Booster

August 09 2016
Health Booster - Zyada Ka Vaada

Medical inflation has resulted in expensive diagnostic services and treatments, with the rate of inflation considered at around 15% in India. Add the risk of lifestyle diseases to the mix and you have all the makings of a potential medical liability.

Consider that you have a health insurance policy of ₹2.5 lakhs. While this can help you and your family tide over a minor hospitalisation, it will not be able to cover additional expenses for surgery or any treatment required for serious illnesses. Moreover, the base health cover is usually ridden with exclusions and sub-limits that restrict the claim pay-out for specific type of treatments.

This is where super top-up plans come to the rescue. It takes care of excess payment resulting from hospitalisation and medical treatments. It covers you for the amount above your deductible limit (deductible limit is an amount which you need to pay out of your pocket in the event of a claim) thus allowing you to avail the best healthcare solutions for your family. This plan enhances the sum assured and allows individuals to seek cover for aggregated claims in a year.

So build a formidable health plan by adding the Health Booster Top-up to your base plan. Even those who don’t have an existing health policy can opt for Health Booster.

What Makes Health Booster a Great Choice?

1. Lifetime Cover

Health Booster cover has no maximum age restriction for entry. It also has lifetime renewability feature.

What Makes Health Booster a Great Choice?

2. Renewal Benefits

You get a cumulative bonus of 10% of annual sum insured up to a maximum of 50% on each renewal for every claim-free year. On regular renewals, you also get free health check-up coupons annually – one for individual policy and two for floater policy.

For example if you have a health insurance policy with a sum insured of ₹10 lakhs and you don’t make a claim, you get a 10% discount on your renewal premium.

3. Pre-existing Diseases Coverage

Health Booster offers coverage for pre-existing diseases after 24 months of continuous coverage. This feature is beneficial for treatment of lifestyle diseases.

4. Emergency Ambulance Coverage

This top-up offers ambulance charges incurred during transfer of insured person to the nearest hospital. It covers 1% of sum insured with a maximum limit of ₹ 5,000 per emergency hospitalisation. With quick approval of less than 4 hours, the payment will be made directly to the network provider by the insurer.

5. Day Care Treatment

The super top-up plan offers medical expenses towards in-patient care hospitalisation of less than 24 hours. This includes coverage for expenses towards intravenous chemotherapy, radiotherapy, haemodialysis or any other procedure that requires a period of specialised observation or care after completion of the procedure.

6. Donor Expenses

Health Booster covers the medical expenses incurred due to an organ transplant surgery in case the donated organ is for the insured. The donor expenses are limited to the annual sum insured.

7. Free Look-in Period

A free look-in period allows you to have a closer look at the terms and conditions of the coverage offered in the Health Booster Plan. If the conditions do not meet your expectations, you can initiate a cancellation within 15 days from the date of receiving the policy document at your communication address.

8. Tax Deductions

Premium paid towards your health insurance is now deductible up to a limit of ₹25,000 under section 80D of the Income Tax Act. Senior citizens can avail deduction up to ₹30,000.

9. Reset Benefit

A reset benefit allows you to have peace of mind in the event a single claim exhausts the entire sum insured. The entire sum insured is reset for the rest of the policy duration.

Additionally, Health Booster offers you the flexibility to choose the sum assured and the duration of your policy. It comes with various optional add-ons such as Hospital Daily Cash, Temporary Total Disablement (TTD), Rehabilitation Cover, Repatriation of Remains, Personal Accident, Convalescence Benefit, and Critical Illness. This super top-up is packed with features such as wellness programs, AYUSH (Ayurveda, Unani, Siddha & Homeopathy) hospitalisation, and cost sharing which provide all-round health protection to your family.

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