HAKANI RECEPIES

           Most of us in cities have taken a shelter of existing mediclaim policy

whereby hospitalisation expenses are retriered.  However many a times it is

not sufficient where for long term against major sickness or accident.

 

          Keeping in mind the general needs of people,I have designed HEALTH

INSURANCE PACKAGE, which caters to the needs of individual & family.

It covers

 

·                 Medical Assistance during hospitalisation.

 

·                 To meet long term financial requirement arising out of critical disease

or accidental casulty.

 

·                 Medical aids for hospitalisaion in old age.

 

·                 Family shield against premature death.

 

I request a call from you to meet you in person at your convience,so

       that I can highlight you the subject matter elaborately.

 

BASIC CONTENTS OF THE PACKAGE

(1) MEDICLAIM :-

 

Scope of Cover : Re-imbusement of expenses incured at Nursing Home/Hospital  following illness or accident with pre & post treatment.

 

Age : From Age of 3 months to 75 years.

 

Sum Insured : From Rs.15000/- to Rs.3 lakhs.

 

Major Exclusions : Dental Treatment,cosmetic surgery,pragnancy ,runtime check-

up & all sort of pre existing disease.First 30 days sickness are not covered.Certain

surgery like hernia,piles,fistula,sinus,prostate gland,hydrocele,catract,hystractomy

is also not covered in policy in 1^ST year.

 

                                                                                                                                                 

(2)Bhavishya Arogya :-

 

Scope of Cover : Re-imbursement of expenses incurred of Hospital/Nursing home for any sickness after age 55 till death occur.

 

Age : Between age of 25 to 55.

 

Selection of age for coverage : Between 55 to 60.

 

Sum Insured : Minimum of Rs.50000 to Rs.500000/-

 

Distinct Features : Policy can be granted even to preexisting illness.

 

Major Exclusions : Pre & post treatment from hospitalisation,dental treatment,cosmetic surgery etc.

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(3) Asha Deep :-

 

Scope of Cover : (1) Normal Life Cover with Bonus.

                            (2) In case of disease such as cancer cmalignant,paralytic stroke leading   

                                 to permanent disability,renal failure of both kidneys,coronory astrey

                                 disease where by pass surgery has been done,benefits shall be as                                 

                                 under :

                            (A)Immediate payment of 50% of Sum Assured .

                            (B)Waiver of subsequent premiums.

                            (C)Additional payment of 10% of Sum Assured every year.

                            (D)Balance payment of 50% of Sum Assured with bonus on early death

                                 or on maturity.

 

Age  : 18 to 50

 

Sum Assured : Maximum Rs.300000/-

                                                                                                                                                                                               

 (4)Jeevan Asha :-

 

1)Normal life cover with exclusive Double/Triple accident cover with bonus.

 

2)Fixed benefit for surgical treatment twice in life time till maturity as per the list attached.

 

3)Full Sum Assured payable on death irrespective of payments made earlier.

 

4)Return of lumpsum Benefit maximum 2 times during the term of the policy or

2% of Sum Assured every 2^nd  year.

 

5)Age between 18 to 50 yrs.

 

6)Sum Assured maximum 3 lakhs.  

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(5)Critical Illness Salient Features :-

 

  1)Scope of Cover :Critical illness covered are stroke,cancer renal failure,organ transplant in respect of kidney lung,pancreas or bone marrow,multiple sclerosis and coronary artery surgery.

 

 2)Age Group :Cover Available for age group of 21 to 65 years.

 

3)Sum Insured :Four Option 5 lakh,10 lakh,20 lakh and 25 lakh.

 

4)Distinct Features:It is a benefit policy and not a re-imbursement like mediclaim.

 

5)Special Conditions :Person Should have (a)Mediclaim policy in individual or in group (b)Income should be more than Rs 2lakhs