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Proposal for k.v.siva sankar,

Your Search Details :
Product Category : Individual Product SubCategory : mediclaim
Date of Birth : 27/07/1943 Sum Insured : 200000
Policy Start Date : 29/09/2010

Details New India United India Max Bupa Health

Plan Name Zone III (Excluding Mumbai, SeniorCitizen 200000 Heartbeat Silver (Excluding
Delhi and Bangalore) 200000 Mumbai and Bengaluru) 200000
Product Category Individual SeniorCitizen Individual
Product SubCategory Mediclaim Mediclaim Mediclaim
Plan Duration 1 Year 1 Year 1 Year
Sum Insured 200000 200000 200000
Premium 8210 8517 16503
Service Tax 846 (10.3 %) 877 (10.3 %) 1700 (10.3 %)

Benefits
Benefit Title
Intensive Care Benefit
Partial Temporary
Disablement
Education Grant for child
Cumulative Bonus
Health Check Up
Critical Illness
Pre and Post Hospitalization
expenses
Ambulance charges
New India
Not exceeding 2% of the sum
insured excluding cumulative
bonus
Not Covered
Not Available
Sum Insured increased by 5%
at each renewal in respect of
each claim free year, subject to
max of 30%
Upto 1% of the average Basic
Sum Insured during the block of Sum Insured during the block of renewal, once in 2 years.
four claim free policies.
Not Covered
Pre-Hospitalisation upto 30
days and Post Hospitalisation
upto 60 days on diseases/
illness/injury are considered.
1% of the sum insured or
actuals, whicever is less,
subject to max. of Rs. 2500/-
United India
Upto 2% of the Sum Insured
or actual amount, whichever is
less.
Not Covered
Not Available
Sum Insured will be increased
by 5% of cumulative bonus
for every claim free year. If
there is a claim in a policy with
cumulative bonus, 10% of the
sum insured will be reduced
from the earned bonus.
Upto 1% of the average Basic Health check-up at time of
preceding three years.
Cataract:10 percent of
SumInsured subject to max.
Rs.25000/- Hernia:15 percent
of SumInsured subject to max.
Rs.30000/- Angioplasty:70
percent of SumInsured subject
to max. Rs.2 lakhs. In respect of
claim on major illness charged
as a total package,t
Pre-Hospitalisation upto 30
days and Post Hospitalisation
upto 60 days on diseases/
illness/injury are considered.
(Max.10% of the Sum Insured)
Covers in an emergency subject Expenses incurred to transfer
to a limit of Rs.1000/-
Max Bupa Health
Operation theatre charges and
intensive care covered up to
sum insured.
Not Available
Cumulative benefit every
year on renewal. Upto 10% of
renewal premium
Not Available
Medical expenses incurred
due to illness up to 30 days
period immediately before an
insured person`s admission to
the hospital and 60 days after
discharge from the hospital.
Pre and post hospitalisation
expenses including doctor
consultation, diagnostic
tests, medicines, drugs and
consumables will be covered up
to 15% of sum insured.
the insured person following
an emergency to the nearest
hospital. Covered at actual

Surgeon fees, Consultant,
anesthetist and specialist
fees
Rider options
Room, Boarding and Nursing Upto 1% of the sum insured
expenses excluding Cumulative Bonus
Anaesthesia, Blood, Oxygen,
Diagnostics, Pace makers
Cashless Facility
Cost of Medicines and Drugs
Domiciliary Hospitalization
Inpatient expenses
Outpatient Treatment
Expenses
Other Benefits
Special Conditions
Condition Title
Accompanying Person
Compulsory deduction
Day Care
costs in network hospitals up
to Sum Insured. Maximum of
Rs.2000 per event for out of
network.
Covered Covered Surgical dressings covered up
to sum insured.
Not Available Not Available
Covers Room,Boarding and Hospital accommodation -
Nursing expenses upto 1% of shared room
the Sum Insured per day or
actual amount, whichever is
less.
Any medical expenses incurred, Any medical expenses incurred, Operation theatre charges
which is integral part of the which is integral part of the and intensive care Pathology,
operation covered. operation covered. x-rays, diagnostic tests and
therapies. Covered up to Sum
Insured.
Cashless facility available for Cashless facility at 3000+ You can access cashless
all network hospitals across network hospitals across facility at quality hospitals
India. (subject to Third Party India (subject to Third Party near you, thanks to our valued
Administrator Authorisation) Administrator Authorisation) relationship with them.
Covered Covered Covered up to Sum Insured
Not Available The condition of the patient is Medical expenses for treatment
such that he cannot be moved taken at home if the treatment
to a hospital then the treatment continues for an uninterrupted
taken at home are considered. period of 3 days. Domiciliary
(Upto Rs.35000/- is payable) treatment covered up to
Rs.10000.
Including medical fees for
doctor, diagnostics, medicines,
operation theatre, hospital
accommodation and other
related expenses.
Not Covered Not Covered Not Covered
None None Co-pay: If any person is 65
years or above on the date of
commencement of the plan, we
will pay 80% of reasonable and
customary charges.
New India United India Max Bupa Health
Not Available Not Available Not Available
Nil Nil
Minor surgeries that require less Minor surgeries that require less All day care procedure
than 24 hours of hospitalisation. than 24 hours of hospitalisation. covered up to sum insured
including Stones in the urinary
system (eg kidney/bladder),
Stones in billiary system
(eg gall stones), Cataract,
BPH - Benign prostatic
hypertrophy, Mennoraghia,
Fibromyoma, Uterine prolapse
including any condition
requiring Hysterectomy,
Piles (Haemorrhoids), Hernia
(Inguinal/umbilical and gastric),
Degenerative disorders of
knee/hip, Chronic renal failure
or end stage renal failure,
Retinopathy, Diabetes and
related treatments.
Eligibility Entry age for proposer is 3
months to 70 yrs
Organ Transplant Hospitalization expenses
Covered. (Excluding the cost of
the Organ)
Patient Care Not Available
Pre-acceptance Medical Above age 45 should undergo
check up Medical test at your cost. 1)
ECG 2) Blood Sugar Test - both
fasting and PP 3) Urine Test.
Preexisting Disease Covered after 4 years. 1st and Covered after 4 years.
2nd year no claim, 3rd year
50% claim, 4th year 75% claim,
5th year onwards 100% claim.
Third party Administrator TTK Health Care TPA Services
Private Limited
Entry age for proposer is 61
yrs to 70 yrs. Policy can be
renewed upto 80 yrs.
Not Covered Medical expenses for an organ
donor`s treatment for harvesting
of the organ. Organ transplant
when medically necessary
covered up to sum insured.
Not Available
Above age 45 should undergo
Medical test at your cost.
1)Physical Examination 2)CBC
and ESR 3)Urine Routine and
Microscopic 4)Cholesterol
5)SGPT 6)Sr.Creatinine 7)ECG
8)Stress Test.
Benefits will not be available for
pre-existing conditions until 48
months of continuous coverage
from first plan start date.
Medicare TPA Services Pvt.
Ltd. and Heritage Health TPA
Pvt. Ltd.

Special Features
Benefit Title New India
Tax Benefits Income tax benefit on the
premium paid as per section
80D of the Income Tax Act.
Waiting Period Any disease contracted during
the first 30 days from the
commencement of the policy.
United India
Income tax benefit on the
premium paid as per section
80D of the Income Tax Act.
Any disease contracted during
the first 30 days from the
commencement of the policy.
Max Bupa Health
You will save tax under Section
80D of the Income Tax Act, Tax
benefits are subject to change
in the tax laws, please consult
you tax advisor for details.
90 days waiting period: We will
not cover treatment during first
90 days of the plan, unless the
treatment needed is a result of
an accident or emergency. This
waiting period does not apply
for renewal plans. Specific
waiting periods: for persons
above 60 years of age some
conditions will be subject to a
waiting period of 24 months and
will be covered in the third plan
year.

Exclusions
New India
1) Two Years Exclusions: Skin disorder,
Internal and external benign tumors,
cysts, polyps including benign breast
lumps, Benign Ear, Nose, Throat disorder,
Prostate Hypertrophy, Cataract and
age related eye aliments, Diabetes
melitus, Gastric/Duodenal Ulcer, Gout
and Rheumatism, Hernia, Hydrocele,
Hypertension, Hysterectomy for
Menorrhagia/Fibromyoma, Myomectomy
and Prolapse of uterus, Non Infective
Arthritis, Piles, Fissure, Pilonidal Sinus,
Sinustis and related disorders, Prolapse
Inter Vertebral Disc unless arising from
accident, stone in Gall Bladder and
Bile duct, Stones in Urineary Systems,
Unknown Congenital internal disease/
defects, Varicose Veins and Varicose
Ulcers. 2) Four Years Exclusions: Age
related Osteoarthritis and Osteoporosis,
Joint Replacements due to Degenerative
United India
1) Pre-existing is not covered. This
exclusion shall get deleted once the
insured completes three claim-free policy
periods. 2) Whereby once the insured
declares the existence of diabetes, hyper-
tension and cholesterol, the premium
is loaded by 30%. 3) The policy will
not pay for hospitalisation expenses
in respect of direct treatment of these
illnesses. 4) However, other complications
not having a direct bearing on these
illnesses may be considered. 5) Two
Year Exclusions: Cataract, Benign
prostatic, Hypertrophy, Hysterectomy
for Menorrhagia or Fibromyoma, Hernia,
Hydrocele, Congenital internal disease,
Fistula in anus, Piles, Sinusitis and related
disorders, Gall Bladder Stone removal,
Gout and Rheumatism, Calculus Diseases,
joint replacement due to degenerative
Max Bupa Health
Addictive conditions and disorders;
ageing and puberty; artificial life
maintenance; congenital conditions;
cosmetic surgery; dental/oral treatment;
eyesight; experimental treatment; HIV
and AIDS; hereditary conditions; non-
allopathic treatment; obesity; neurological
and psychiatric conditions; self-inflicted
injuries; sleep disorders; speech
disorders; treatment for developmental
problems; treatment received ouside India;
unrecognised physician or facility.
Condition. 3) Permanent Exclusions: condition and age-related Osteoarthritis
Contamination by radioactive material, and Osteoporosis.
War, Nuclear weapons, vaccination
and Inoculation, All types of Dental
treatment except arising out of accident.
Convalescence general debility `run down`
condition or rest cure, congenital external
disease or defects or anomalies, sterility,
venereal disease, intentional self injury and
use of intoxicating drugs/alcohol. Maternity
changes in chronic condition as a result
of pregnancy. Naturopathy Treatment,
sexually transmitted disease etc., for more
information refer product brochure.

NOTE: Premium Rates can change without Prior Notice.

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