What is Health Absolute?

Our Health Absolute insurance is designed specifically to cover the complete physical and mental well-being of your entire family. It allows you to cover up to 15 members under the same policy. You can enjoy several benefits including reward points that are not present in a standard health insurance plan.

You can opt for these sum insured options on individual and floater sum insured basis- ₹ 3L, ₹ 5L, ₹ 10L, ₹ 15L, ₹ 20L, ₹ 25L, ₹ 30L, ₹ 35L, ₹ 50L, ₹ 75L, ₹ 1Cr. 

You can Health Absolute opt for 1, 2, or 3 years

The minimum age to be covered under Health Absolute is 1 day and there is no restriction for the maximum age. However, renewal of the policy can be lifelong.

Yes, transgenders are covered under the policy along with their partners.

Yes. If you insure more than 1 member under the same Health Absolute policy, you will receive a 10% family discount under a non-floater policy. No family discount applies for a floater policy.

Yes. If you buy the classic plan, members above 50 years will have to undergo a pre-policy check-up. If you buy the signature or platinum plan, members above 18 years will have to undergo a pre-policy check-up. 

All insured members above 18 years can avail of the wellness benefits. For this, the insured person has to register on the GCI mobile app with their unique mobile number and the policy number.

a. Under the Health Absolute policy, the insured person will be eligible to earn reward points. This will help them assess their health status and improve their overall well-being. These activities performed by the insured person will determine their reward points.

The points earned in a year will be equal to a certain percentage of the premium specific to the insured person. Here is a table for reference-

b. If the insured person does not opt for a renewal discount, they can use the reward points for OPD consultations /Diagnostics tests and/or Purchase of prescribed medicines through our tie-up wellness partners. They can do this up to 3 months from the policy expiry date.

    a)      The points can be used by all members covered under the policy, regardless of who contributed to earning them.

    b)     If you have opted for a long-term policy, you can carry forward the points from the 1st year to the 2nd and 3rd years.

    c)      You can burn the points for the following benefits-

• Availing of out-patient consultations from clinics in our wellness partner network.

• Diagnostic or preventive tests from clinics in our wellness partner network.

• Purchase of prescribed medicines through an online pharmacy from our wellness partner network.

• Reimbursement of Non-medical expenses in case of a claim under hospitalization expenses.

• Renewal discount.

If you buy an individual policy, the premium will be based on the age band and sum insured you select.

If you buy a family floater, the premium for the primary insured member will remain the same as given in the individual table. For the other members, the premium is calculated based on the floater discount.

See the below table for reference.

We pay for cataract surgery, up to 10% of the sum insured for each eye, maximum up to the amount specified in the Policy schedule, after the expiry of the two years waiting period.

A cumulative bonus means when we increase your sum insured without increasing your premium. For every claim-free policy (where no claims are reported), the cumulative bonus will be increased by 50%. This does not include a claim under OPD treatment and Wellness Benefits. To get the bonus, you have to renew the policy without a break. This is limited to a maximum of 100% of the sum insured under the current policy year.

If you report a claim in any year, the cumulative bonus will be reduced at the rate at which it has accumulated. However, your sum insured will remain the same.

Yes. Maternity treatment is covered with a waiting period. Infertility is covered in the Platinum and Signature Plan, over and above the maternity limit. It is covered after a waiting period of 3 years.

• 24-month waiting period for:

  Pre-existing conditions, Internal Congenital Anomalies, Cataracts, Benign Prostatic Hypertrophy Hernia of all types, Deviated Nasal Septum, Hypertrophied Turbinate, Hydrocele, all types of nasal and para nasal sinus related disorders, Fistulae, haemorrhoids, fissure in ano, Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy, All internal or external tumours/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumour or growth. Surgery for prolapsed intervertebral disc unless arising from Accident, Surgery of varicose veins and varicose ulcers, any types of gastric or duodenal ulcers, stones in the urinary and biliary systems, Surgery on ears and tonsils.

  36-month waiting period for:

  Rheumatoid Arthritis, Gout, Joint replacement due to degenerative condition age-related osteoarthritis, Osteoporosis, unless such joint replacement surgery is medically necessary due to injury. 

  30-day waiting period for:

  Medical expenses for any illness diagnosed or diagnosable except those incurred as a result of Injury.