Your affordable choice, When it comes to a Group Health Insurance Plan
|Wider, cheaper coverage||Coverage for your family of up to 7 members, including parents, at an affordable premium.|
|AYUSH||In-patient hospitalisation covered up to Rs. 3,00,000.|
|Pre & post Hospitalization coverage||Covers 60 days pre-hospitalisation and 90 days post hospitalisation expenses.|
|Food allowance for Accompanying person||Rs. 500 per day of hospital stay for an admissible claim.|
|Day care procedures||141 procedures covered.|
|Maternity benefit||Normal & caesarean: Up to Rs.20,000 per policy period.|
|Domiciliary hospitalisation||Up to Rs. 60,000/- for the family.|
|Ambulance charges||Up to Rs. 2,500/- per hospitalisation.|
|Room charges||Standard single occupancy AC room.|
|No hidden charges||No additional co-pay or deductibles that will give you unpleasant surprises.|
|Tax benefit||Avail tax benefit on the premium paid towards this health insurance, under section 80D of the Income Tax Act, 1961 as applicable.|
|Free look period/refund||
The insured shall be allowed a period of 15 days from the date of receipt of this policy to review the terms and conditions of the policy and to return the same if not acceptable.
The Insured can return the policy within 15 days of its receipt if he/she is not satisfied with its coverage or terms and conditions. In such a case the policy will be cancelled from date of cancellation request received at insurer's office provided no claim is reported and considered. Refund of premium would be after retaining charges towards medical tests, stamp duty charges and pro-rata premium from the risk start date till date of cancellation.
|30 days||Applicable for sickness/illness. Nil for accidents.|
|12 months||Applicable for specific listed illness.|
|24 months||Applicable for pre-existing diseases/condition.|
|9 Months||Maternity expenses covered after 9 months.|
|Renewal incentive||Up to Rs. 2000/- per family, once in every two continuous claim free years.|
|Key Exclusion under the Group Health Insurance plan is as follows:
(Please refer to the Master Policy Wordings for detailed list of exclusions)
|30 Days waiting period:||Any disease contracted within the first 30 days of commencement of cover will not be covered under the policy.|
|12 Months waiting period||Expenses incurred on treatment of following diseases within 12 months from the commencement of the Policy will not be payable: Cataracts, benign prostatic hypertrophy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, fistula in anus, piles, internal congenital disease, sinusitis and related disorders.|
|24 Months waiting period - Pre-existing isease (PED)||Pre-existing conditions will be covered after a waiting period of 24 consecutive months of continuous coverage under this plan.|
- Charges incurred in connection with the provision or fitting of hearing aids, eyeglasses or contact lenses.
- The use, misuse, or abuse of alcohol, banned substances or narcotic drugs (whether prescribed or not).
- HIV, AIDS and all related medical conditions.
- Vaccination, inoculation, cosmetic treatments, aesthetic treatments, experimental, investigational or unproven procedures or treatments, devices and pharmacological regimens of any description.
- The treatment of obesity =(including morbid obesity) and any other weight control programs.
Bank of Baroda is authorized by the Insurance Regulatory and Development Authority to act as a Corporate Agent from 01/.04/.2019 to 31/.03/.2022 for procuring or soliciting business of Life Insurance, General Insurance and Standalone Health Insurance under Registration Code CA0004". Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale. The purchase of Insurance product by Bank of Baroda customers is purely on a voluntary basis. The insurance products are underwritten by respective insurance company. Bank of Baroda does not perform any insurance e-commerce activity on its website. The contract of insurance is between the insurer and the insured; and not between the bank and the insured.
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