{"id":1578,"date":"2023-02-16T09:49:18","date_gmt":"2023-02-16T09:49:18","guid":{"rendered":"https:\/\/amazers.in\/www.igullak.com\/?page_id=1578"},"modified":"2023-02-17T10:24:57","modified_gmt":"2023-02-17T10:24:57","slug":"health-insurance","status":"publish","type":"page","link":"https:\/\/amazers.in\/www.igullak.com\/health-insurance\/","title":{"rendered":"Health Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1578\" class=\"elementor elementor-1578\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b828e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b828e3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73f9b90\" data-id=\"73f9b90\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cb9832 elementor-widget elementor-widget-heading\" data-id=\"6cb9832\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Health Insurance<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9ca55ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ca55ae\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-285d1fe\" data-id=\"285d1fe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da4a5b5 elementor-widget elementor-widget-heading\" data-id=\"da4a5b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Health Insurance<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6108ee1 elementor-widget elementor-widget-heading\" data-id=\"6108ee1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Allow us to pay your hospitalization expenses \u20b9\u20b9\u20b9\u2026 and you no need to worry about hospital bills any more<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47b6479 elementor-widget elementor-widget-text-editor\" data-id=\"47b6479\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<h3><strong><span style=\"color: #ff2e17;\">Give tension free lives to your family<\/span><\/strong><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d5ebfb elementor-widget elementor-widget-text-editor\" data-id=\"6d5ebfb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Room, Boarding, Nursing Expenses all inclusive as provided by the Hospital \/ Nursing Home as per the limits given below:-<br \/><div class=\"jss188 jss192 jss189 jss1702\"><table class=\"jss1716 jss1707\"><thead class=\"jss1717\"><tr class=\"jss1718 jss1721\"><th class=\"jss1723 jss1724 jss1687 jss1692\" scope=\"col\"><b>Sum Insured in lakhs (Rs.)<\/b><\/th><th class=\"jss1723 jss1724 jss1687 jss1692\" scope=\"col\"><b>5<\/b><\/th><th class=\"jss1723 jss1724 jss1687 jss1692\" scope=\"col\"><b>10\/15\/20\/25<\/b><\/th><th class=\"jss1723 jss1724 jss1687 jss1692\" scope=\"col\"><b>50\/75\/100\/200<\/b><\/th><\/tr><tr class=\"jss1718 jss1721\"><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">Room Rent Criteria<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">Up to 1% of Sum Insured per day<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">Any Room(Except suite or above category)<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">Any room<\/th><\/tr><\/thead><\/table><\/div><\/li><li>Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.<\/li><li>All day care treatments are covered<\/li><li><b>Coverage for Non-medical Items (Consumables)<\/b> available <u><a href=\"\/sites\/default\/files\/CoveredNon-MedicalItems-StarHealthAssureInsurancePolicy.pdf\" target=\"blank\">click here<\/a><\/u> to view details<\/li><li>Road Ambulance charges for transportation of Insured Person covered subject to an admissible Hospitalisation Claim.<\/li><li><b>Air Ambulance :<\/b> up to 10% of the Sum Insured per year is payable<\/li><li>Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.<\/li><li>Post- Hospitalization expenses incurred up to 180 days after discharge from the hospital.<\/li><li><b>Domiciliary Hospitalization:<\/b> Coverage for medical treatment (Including AYUSH) for a period exceeding three days.<\/li><li><b>Organ Donor Expenses<\/b> In patient hospitalization expenses incurred for organ transplantation from the Donor to the Recipient Insured Person are payable.<\/li><li><b>Health Checkup Assure:<\/b> Expenses incurred towards cost of health check-up up to the limits for each policy year (irrespective of claim).<\/li><li><b>Home care treatment:<\/b> Payable up to 10% of the sum insured subject to maximum of Rs.5 lakhs in a policy year, for treatment availed by the Insured Person at home, only for the specified conditions<\/li><li><b>Delivery Expenses :<\/b> Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal expenses) up-to 10% of the Sum Insured is payable.<\/li><li><b>In Utero Fetal Surgery\/Intervention :<\/b> The Company will pay the expenses incurred for listed In Utero Fetal Surgeries and Procedures after the waiting period of 24 months from the date of inception of this policy<br \/><b>Note :<\/b> The above mentioned waiting periods will not apply for treatment related to congenital Internal disease \/ defects for the Unborn<\/li><li><b>Assisted Reproduction Treatment:<\/b> The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment upto the limits in a policy year, for sub-fertility<\/li><li><b>Hospitalization expenses for treatment of New Born Baby:<\/b> Cover New born baby from Day 1 of its birth subject to limits. However, the sublimit will not apply for treatment related to congenital disease\/defects for the new born.<\/li><li><b>Treatment for Chronic Severe Refractory Asthma :<\/b> cover is payable up to 10% of sum insured not exceeding Rs.5 lakhs per policy period.<\/li><li><b>Compassionate travel:<\/b> The Company will reimburse the transportation expenses by air incurred upto Rs.10,000\/- for one immediate family member(other than the travel companion) for travel towards the place where hospital is located.<\/li><li><b>Repatriation of Mortal Remains<\/b> The Company shall reimburse up to Rs.15,000\/- in a policy year<\/li><li><b>Treatment in Valuable service providers network:<\/b> An amount calculated at 1% of Sum Insured subject to a maximum of Rs.5,000\/- per policy period is payable as lump sum.<\/li><li><b>Shared accommodation:<\/b> An amount of Rs.1,000\/- per day will be payable for each continuous and completed period of 24 hours of stay in such shared accommodation.<\/li><li><b>AYUSH Treatment:<\/b> AYUSH treatment is payable up to the sum insured.<\/li><li><b>Second Medical Opinion:<\/b> The Insured Person can obtain a Medical Second Opinion from a Doctor in the Company\u2019s network of Medical Practitioners<\/li><li><b>Coverage for Modern Treatment:<\/b> Please <u><a href=\"\/sites\/default\/files\/modern-treatment\/Modern-Treatment-StarHealthAssureInsurancePolicy.pdf\" target=\"blank\">click here<\/a><\/u><\/li><li>Benefit\/Premium illustration for Individual and Floater basis please <u><a href=\"\/sites\/default\/files\/Benefit-Illustration\/BenefitIllustration-StarHealthAssureInsurancePolicy.pdf\" target=\"blank\">Click Here<\/a><\/u><\/li><li><b>Cumulative Bonus:<\/b> The insured person will be eligible for Cumulative bonus calculated at 25% of sum insured for each claim free year and maximum upto 100% of the sum insured<\/li><li><b>Automatic Restoration of Sum Insured:<\/b> Unlimited number of times and maximum up to 100% each time, which can be utilized for a subsequent hospitalization<\/li><li><b>Rehabilitation and Pain Management:<\/b> Payable up to the sub-limit (or) maximum up to 20% of the sum insured whichever is less, per policy year.<\/li><li><b>Optional Cover to choose deductible:<\/b> If the insured person chooses any of the following deductible, the Company will provide a discount on premium as per the table given below<br \/><div class=\"jss188 jss192 jss189 jss1702\"><table class=\"jss1716 jss1707\"><thead class=\"jss1717\"><tr class=\"jss1718 jss1721\"><th class=\"jss1723 jss1724 jss1687 jss1692\" scope=\"col\"><b>Sum Insured<\/b><\/th><th class=\"jss1723 jss1724 jss1687 jss1692\" scope=\"col\"><b>Aggregate Deductible Option<\/b><\/th><th class=\"jss1723 jss1724 jss1687 jss1692\" scope=\"col\"><b>Discount offered<\/b><\/th><\/tr><tr class=\"jss1718 jss1721\"><th class=\"jss1723 jss1724 jss1732 jss1687\" rowspan=\"2\" scope=\"col\">Up to Rs. 20 lakhs<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">Rs. 50,000\/-<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">45%<\/th><\/tr><tr class=\"jss1718 jss1721\"><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">Rs. 1,00,000\/-<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">55%<\/th><\/tr><tr class=\"jss1718 jss1721\"><th class=\"jss1723 jss1724 jss1732 jss1687\" rowspan=\"2\" scope=\"col\">Above Rs. 20 lakhs<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">Rs. 50,000\/-<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">35%<\/th><\/tr><tr class=\"jss1718 jss1721\"><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">Rs. 1,00,000\/-<\/th><th class=\"jss1723 jss1724 jss1732 jss1687\" scope=\"col\">50%<\/th><\/tr><\/thead><\/table><\/div><p><b>Note:<\/b> This deductible is applicable for every policy year. (on Aggregate basis)<\/p><\/li><li><u><b>Waiting Period:<\/b><\/u><ol><li><b>Pre-Existing Diseases:<\/b><ul><li>30 months in case of 3 years term<\/li><li>36 months in case of 1 year and 2 years term<\/li><\/ul><\/li><li><b>Specified disease \/ procedure waiting period:<\/b> 24 months<\/li><li><b>Initial waiting period:<\/b> 30 days<\/li><\/ol><\/li><li><u><b>Instalment Facility:<\/b><\/u> Premium can be paid Quarterly and Half Yearly. Premium can also be paid Annual, Biennial (once in 2 years) and Triennial (once in 3 years). Note: Instalment facility is not available for long term (2 year and 3 year) policies<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6791180 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"6791180\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/www.igullak.com\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4708019 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[&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1578","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/amazers.in\/www.igullak.com\/wp-json\/wp\/v2\/pages\/1578","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amazers.in\/www.igullak.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/amazers.in\/www.igullak.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/amazers.in\/www.igullak.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/amazers.in\/www.igullak.com\/wp-json\/wp\/v2\/comments?post=1578"}],"version-history":[{"count":28,"href":"https:\/\/amazers.in\/www.igullak.com\/wp-json\/wp\/v2\/pages\/1578\/revisions"}],"predecessor-version":[{"id":1799,"href":"https:\/\/amazers.in\/www.igullak.com\/wp-json\/wp\/v2\/pages\/1578\/revisions\/1799"}],"wp:attachment":[{"href":"https:\/\/amazers.in\/www.igullak.com\/wp-json\/wp\/v2\/media?parent=1578"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}