What is Health Suraksha?
Getting hospitalised is always an expensive affair. From simple daycare treatment to major operations, everything can put a dent in your savings. That’s why we are here to make things a little easier. With our policy, you can access the medical care you need without compromising!
Our policy comes in four variants:
· Gold plan
· Platinum plan
· Topaz plan
· Ruby plan
Why buy Health Suraksha
Free Health Check-up
Get free health check-up at our empanelled diagnostic centers after every four claims free years.
Portability
Our doors are always open. So, port your existing senior citizen insurance policy with us without any hassle.
Free Look Period
We respect your choice. So, if you ever wish to cancel the policy, you can do it without any penalty within 30 days from purchase
30 Days for Renewal
We know you are busy. So, we give you 30 grace days to renew your plan after expiry.
What is in it for you?
THERE ARE ADDITIONAL BENEFITS FOR YOU!
Installments available- Tax benefits
- Loyalty discount
- Recharge benefit
- Quick and easy claim settlements
- Cover for the entire family
- Swift policy issuance
- 24*7 assistance
What is covered?
INCLUSIONS
Inpatient Treatment
We cover room rent and nursing expenses for a minimum period of 24 hours.
Other Inpatient Expenses
We cover medicines, diagnostic materials, X-ray, operation theatre costs, specialist fees, consultants, etc.
Pre-Hospitalisation
We pay for all expenses for 60 days before hospitalisation.
Post-Hospitalisation
Some illnesses will need treatment after hospitalisation. Our Health Suraksha policy covers all medical expenses up to 90 days after you’re discharged!
Ambulance Charges
For Gold or Platinum Plan – Up to 2000 per hospitalization For Topaz or Ruby Plan – Up to ₹750/- per hospitalization and overall limit of ₹1500/- per policy period
Patient Care
For Gold or Platinum Plan – Up to ₹500/- per day for those over 60 years For Topaz or Ruby Plan – Up to ₹350/- per day for those over 60 years
Cumulative Bonus
10% for every claims free year to a maximum of 50% of the Sum Insured.
Hospital Cash
Is available under Platinum or Ruby Plan only.
Accompanying Person
We cover up to ₹500 per day for child up to 10 years
Accidental Hospitalisation
You can enhance the limits by 25% of the sum insured on date up to maximum of ₹ 1 lakh
Organ Donor Expenses
We will pay the reasonable and customary charges incurred for an organ donor’s treatment for the harvesting of the organ donated.
Recharge Benefit
Recharge benefit is applicable for all plans, where the basic Sum Insured opted is 3 Lakhs and above. If the basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year subject to policy terms and conditions.
What is not covered?
EXCLUSIONS
Non-allopathic treatment
Hormone replacement therapy or sex-change treatment
Injury or illness due to war
Cosmetic treatment
Treatment for sterility or infertility
Vaccination/ inoculation, cosmetic treatments, plastic surgery
Family covered and Eligibility
Family Definition
Individual option: You, Your Spouse, Your up to 4 dependent children up to the age of 25 years and two dependent parents in the Individual Policy.
Family Floater option: You, Your Spouse & Your up to 3 dependent children up to the age of 25 years in the Family Floater Policy.
Minimum Policy Term- 1 Year
Maximum Policy Term- 3 Years
Eligibility
Adults: 18 years – 70 years with a lifetime renewal option
Children: 90 days – 25 years
Pre-Acceptance Medical Tests
- Pre-insurance medical examination is not required for any proposer, up to the age of 50 years.
- No pre-acceptance medical test is required if any of the member is of the age up to 55 years with sum insured up to ₹3 lacs
- Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance.
Medical Validity Report - 30 days from the day tests were done.
Is there any waiting period?
| WAITING PERIOD | DISEASES |
| 30 days | Any illness, diagnosed or diagnosable except those incurred as a result of Injury |
| 12 months | Any medical expenses in connection with any types of gastric or duodenal Ulcers, stones in the Urinary and Biliary systems, Surgery on ears/ tonsils/ adenoids |
| 24 months | Disease/ defect anomaly, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Surgery of Varicose Veins, Varicose Ulcers, Hysterectomy, Surgery for prolapsed inter vertebral disc unless arising from Accident etc |
| 36 months | Any medical expenses in connection with Organ transplant, Joint replacement Surgery due to Degenerative condition |
| 36 months | Pre-existing conditions. |
What Generali Central Health Insurance Offers
- 94%Claim Settlement Ratio
- 3 hrCashless Settlement
- 6000Cashless Hospitals
How to buy Health Suraksha
How to buy Health Suraksha
You Can Call On Our HELPLINE
1800-220-233 / 1860-500-3333 / 022-67837800
OR
SEND US AN EMAIL
OR
VISIT BRANCH
Walk-in to any of our nearest branches
What happens after purchase?
Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.
Health Card for Cashless Treatment
It is for utilising cashless facility at network hospitals. You can even avail discounts which are offered by our allied partners. Check out the GCH Privilege section for getting more details.
Policy Schedule
You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premium Receipt
You will receive the receipt of the premium amount you have paid to purchase this policy.
80D Tax Deduction Certificate
Tax deduction if the premium is paid via Credit Card/Debit Card, Net Banking, or Cheque except cash payment.
Policy coverage and Terms & Conditions
This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
Claim Form
You can either intimate your claim online or submit the form to a branch of your choice. You can also email the claim details to us.
Complaint/Feedback Form
Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
Grievance Redressal
In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.
What is the reimbursement claim process?
Our claim settlement process is fast and relaible
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
Claim Form
Download and fill the GCI health claim form
Claim Settlement
We will settle the claim in subject to policy terms and conditions
What is cashless claim process?
File your claim in minutes with Generali Central’s easy four-step claim process
Visit Hospital
Approach an insurance desk of your nearest GCI Network Hospitals and show your health card for Cashless Treatment
Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Generali Central
Get Admitted
You get admitted without any deposit and get cashless treatment
Peace of Mind
Once you are discharged, the hospital will send your claim documents to GCI and the authorized amount will be settled directly with the hospital
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PRODUCT NAME: Health Suraksha | UIN NO: GCIHLIP25017V052425 | LAUNCH DATE: 16TH MAY 2024
