Health Protector Assure
1 Crore Super Top-up Health Insurance Plan - Buy Online
Here are a few reasons for needing super top-up health insurance -
Before we proceed further with understanding of Health Protector Assure, it is advisable to familiarize yourself with the concept of Deductible, Top-up & Super Top-up Cover.
There are two plans available for Health Protector Assure Health Insurance.
Depending on the requirement of Sum Insured, you can select and customize your Health Protector Assure health Insurance plan. Let’s check these plans in bit more details -
| Key Features | Essential | Enhanced |
|---|---|---|
| Sum Insured | Rs 3 Lac to 40 Lac | Rs 50 Lac to 1 Crore |
| Deductible Range | Rs 2 Lacs to 30 Lacs | Rs 5 Lacs to 30 Lacs |
| Daily Allowance | Upto Rs 5000 | Upto Rs 7500 |
| Air Ambulance | NA | Upto 1% of Sum Insured |
| Domiciliary Hospitalization | 20% of Sum Insured | 50% of Sum Insured |
| No Medical Test | Upto 60 years | Upto 60 years |
| Room Charges Covered | Up to actuals | Up to actuals |
| ICU Charges | Up to actuals | Up to actuals |
| Pre Hospitalization Expenses | Covered upto 60 Days | Covered upto 60 Days |
| Post Hospitalization Expenses | Covered upto 90 Days | Covered upto 90 Days |
| Hospitalization Ambulance Charges | Covered | Covered |
| AYUSH Hospitalization | Available | Available |
| Modern Treatment (Upto 50% of Sum Insured) | Available | Available |
| Day Care | 380 procedures covered | 380 procedures covered |
| Cashless Treatment | Available | Available |
| COVID-19 Treatment | Covered | Covered |
| Nursing Expenses | Covered | Covered |
| Policy Term | 1 Year, 2 Years, 3 Years | 1 Year, 2 Years, 3 Years |
| Emergency Assistance Service | Available | Available |
| Lifelong Renewal | Available | Available |
| Loyalty Benefit | Available | Available |
| Continuity Benefit | Available | Available |
| Portability (Internal & External) | Available | Available |
| Wellness Benefits | Available as Add-on | Available as Add-on |
| Consumable | Available as Add-on | Available as Add-on |
| Waiver of Deductible (30/60/90 Days) | Available as Add-on | Available as Add-on |
| Tax Benefit under 80D | Upto 1 Lac | Upto 1 Lac |
| Child Cover | Since Day 1 | Since Day 1 |
| Members covered | Self & Spouse, Dependent Parents & Children, Brother, Sister, Brother-in-law, Sister-in-law, Nephew, Niece, or any other dependent family member | Self & Spouse, Dependent Parents & Children, Brother, Sister, Brother-in-law, Sister-in-law, Nephew, Niece, or any other dependent family member |
Covers room rent, consultations, nursing expense during hospital treatment.
Covers expenses for pre and post-hospitalization for 60 days & 90 days respectively.
Health Top-Up covers 380 Day care procedures.
Expenses Incurred in AYUSH Hospitals or AYUSH Day Care Centres.
Insurance provide ambulance charges upto 3,000 in case of an emergency.
Daily Allowance amount up to a maximum of Rs. 7,500 per day in our enhanced plan.
Domiciliary Hospitalization up to a maximum 50% of the sum insured in our enhanced plan.
Modern Technology treatment covered up to a maximum 50% of the Sum Insured.
Service Charges and Surcharge on actual basis.
Our health insurance policy will not provide coverage for the following -
Cosmetic or Dental Treatment
Pregnancy-related conditions
Alcoholism, drug or substance abuse
Unproven Treatment
Injuries caused due to self-harm or suicide attempt
Injuries suffered due to war, nuclear explosion, adventure sport etc.
For more details about Inclusion & Exclusion, refer to policy wording.
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Primarily there are three add-ons covers are available to customize your health insurance –
The consumable add-on cover in health insurance addresses the expenses related to these essential, disposable medical items used throughout the treatment process .
Waiver of deductible is add-on with health assurance plan that lets the policyholder skip paying the regular deductible in certain situations.
| Criteria | Description |
|---|---|
| Entry Age (Proposer) | 18 Years to 65 Years |
| Entry Age (Insured) | 1 Day to 65 Years |
| Resident Status | Normal Resident of India, Expatriate (Any Nationality) residing in India for a min 1 Year |
| Renewability | Life Long Renewal |
| Geographical Limit | For Treatment in India Only |
| Policy Tenure | 1 Year/ 2 Years/ 3 Years |
| Child coverage | No upper Age Limit for Dependent Children, At least one parent needs to be covered if child is insured |
| Portability | Available with continuity benefit |
| Who Can be Covered | Self, Spouse, Dependent Parents, Dependent Children, Brother, Sister, Brother-in-Law, Sister-in-Law, Nephew, Niece or any other relation who is dependent or relatives Living together |
| Pre Issuance Medical Check Up | No Medicals up to Age 60 Years if there is no history of PED |
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Disclaimer- Please note that the Tax benefits are as per the current tax laws prevailing in the country and may changes subject to tax laws. it is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
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