Secure Insurance Services

*Introducing HDFC Life Sanchay Plus*
*Non Linked Non Participating Savings Insurance Plan*

*OPTION:1*
*Guaranteed Income Option*
*(Entry Ages: 5 to 50 years)*
Give Rs. 1,00,000 p.a. for 12 years (Total = Rs. 12 Lakh)
Get Rs. 1,97,000 p.a. Guaranteed Income paid for 12 years (Total = Rs. 23.64 Lakh)

*(Entry Ages: 51 to 60 years)*
Give Rs. 1,00,000 p.a. for 12 years (Total = Rs. 12 Lakh)
Get Rs. 1,83,000 p.a. Guaranteed Income paid for 12 years (Total = Rs. 21.96 Lakh)

*OPTION:2*
*Life Long Income Option*
*(Entry age 50 – 60 years)*
Give Rs. 1,00,000 p.a. for 10 years (Total = Rs. 10 Lakh)
Rs. 84,500 p.a. till 99 years + ROP of Rs. 10,00,000 on 99th yr (Total = Rs. 44,99,500)

*OPTION:3*
*Long Term Income Option*
*(Entry Ages 7 to 60 years)*
Give Rs. 1,00,000 p.a. for 10 years (Total = Rs. 10 Lakh)
Get Rs. 88,500 p.a. for 25 years + ROP of Rs. 10,00,000 on 36th yr (Total = Rs. 32,12,500)

*Death Benefit during the Policy Term:*
A death benefit shall be paid , which is equal to Sum Assured on Death which is the highest of :
 10 times the Annualized Premium.
 105% of Total Premiums paid.
 Premiums paid accumulated at an interest of 5% p.a. compounded annually.
* On death of Life Assured during Payout Period, the nominee shall continue receiving Guaranteed Income till the end of Payout Period and also total premiums paid shall be returned at the end of payout period.*

Is Coronavirus and it's medical treatment keeping you worried? Here are some Health Insurance plans by RHI that cover medical treatment for Coronavirus. Read to the below Points



Does Your Health Insurance Plan Cover You for Corona Virus?

Can You Get Health Insurance Cover For Corona Virus?

As the contagious Coronavirus (COVID-19) disease has spread to various parts of the world, it has alarmed people and affected their normal lives. The sick and elderly, in particular, are being urged to avoid going to crowded places.

Despite the growing fears due to this pandemic, it is important to stay calm and take steps to avoid health risks by keeping oneself protected by following hygienic habits. Talking about financial protection, many people are eager to know if their health insurance plans would cover them in case of treatment resulting from Coronavirus disease. Read below to know the answer.

Is Corona Virus Covered Under Health Insurance?
Experts say that if a person already has an existing health insurance policy, then treatment cover for Coronavirus disease will be included. However, if a person opts for a policy after contracting the disease, in such cases, he or she will not be entitled to get coverage for the treatment.

What is Corona Virus?
Coronavirus is a family of viruses that causes acute respiratory illnesses due to infection in the nose, sinuses or upper throat. It spreads through the air when an infected person coughs or sneezes. It also spreads through direct contact or by touching infected surfaces. Some common symptoms of coronavirus include:

Coughing
Sneezing
Sore throat
Running nose
Headache
Body ache
High Fever
Breathing Difficulty
Pneumonia
Bronchitis
Gastrointestinal Problems
Impairment of Kidney and Lung Functions
Important facts on Health Insurance Cover for Corona Virus
For those who already have an existing health cover, they must have a clear understanding of the type of expenses their policy would cover, the sum insured they need and much more.

Mentioned below are some important facts to know:

Sum insured: COVID-19 is a serious disease. People with a weak immune system and elderly are at greater risk. The treatment is mainly focused on providing relief to the patients from symptoms they are showing and efforts to prevent any organ damage. Having a family health cover with a high sum insured is recommended for anyone, especially when healthcare costs are expensive.
Waiting Period: Usually, medical insurance policies come with an initial waiting period of 30 days. This implies that for getting cover for any treatment, except for emergencies like accidents, the policyholder must wait for 30 days.
Coverage: Health insurance plans provide a range of medical costs including in-patient hospitalization, pre-hospitalization care - usually from 60 days prior to getting hospitalized, post-hospitalization care - usually for a period of 30 days, ambulance, OPD and ICU charges, etc.
Treatment for COVID-19 requires expensive medical care. The focus of every individual should be to avoid the risk factors of this disease. Keeping the immune system strong and taking precautions like washing hands regularly, using face masks, covering a cough or sneeze with using disposable tissues, etc. are some healthy practices that must be followed.

In addition, having the support of medical insurance plans is always recommended. Such plans provide coverage for medical expenses due to various illnesses including COVID-19. Getting affected by Coronavirus is considered as a medical emergency. Thus, a person can get cover for the treatment and make a claim on his/her health insurance in any of the two ways as discussed below:

Cashless treatment: By applying for a claim under cashless health insurance if the treatment is availed in any of the network hospitals of the insurer. This is beneficial as the policyholder is not required to make any payment; instead, the insurer is responsible for settling the expenses directly with the hospital.
Reimbursement: By filing for reimbursement of expenses. In this case, the policyholder has to first bear the burden of paying hospital bills from his/ her own pocket. He or she can later submit the necessary documents like reports, bills, etc. to get the expenses reimbursed.
Stay safe and opt for a health insurance policy today. Choose Care – comprehensive health insurance plans for family by Religare Health Insurance that offers a wide range of coverage at the best premium.