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BOI
( ReAssure* Benefit- available under Re Assure Product has been extended to Senior First Product)
How ReAssure* Works?
- Triggers with the first claim itself. No need to wait till entire sum insured is over
- Pays for all ailments for all insured members -No insured or disease restriction
- ReAssure is unlimited so that you never fall short of coverage Claim as many times as needed*
- No Pre-Policy Medical Tests*-Get an insurance cover for your parents health COVENIENTLY without the need to get a pre-policy medical test.
- No Sub-Limits on Common Conditions*-Now enjoy complete COVERAGE with no sub-limits on common health conditions like cataract, cancer, joint replacements or any other common health conditions.
- Annual Aggregate Deductible*-Reduce your liability by opting for an annual aggregate deductible instead of a mandatory co-pay. More CHOICES, for your health.
- SAFEGUARD* Benefit-Go truly cashless with Safeguard and get complete PEACE OF MIND.With 100% coverage for all medical expenses including coverage for non payable items like PPE kits, gloves, oxygen masks and more
- No Loadings* on Common Conditions-SAVE more on your premium as there is no loadings on the basis of common health conditions like hypertension, diabetes, thyroid, etc.
Additional Discounts:
- Tenure Discount- 7.5% on 2nd year premium
- Additional 15% discount on 3rd year premium ( for 3 year term only)
- Family discount- 10% discount on premium if 2 members are covered in an individual policy
- Discount at renewal- 2.5% discount on premium if paid through standing instruction
- Tax Savings- Up to 30% tax benefit u/s 80D of income tax act 1961
BOI
Product Features
| Sr.no | Benefits | Gold Plan | Plantinum Plan |
|---|---|---|---|
| 1 | Sum Insured | Wide sum insured options starting from 5 lakhs to 25 lakhs | |
| 2 | In-patient care & room accommodation* | Shared Room | Single Private Room |
| 3 | Pre & post hospitalization (60 & 180 days) | Covered | Covered |
| 4 | Day care treatment | Covered | Covered |
| 5 | ReAssure benefit | Not Covered | Covered |
| 6 | No claim bonus (10% p.a., max 100%) | Not Covered | Covered |
| 7 | Annual health checkup from day 1 | Not Covered | Covered |
| 8 | Modern treatment | Covered | Covered |
| 9 | Organ Donor | Covered | Covered |
| 10 | Emergency ambulance (Road & Air) | Covered | Covered |
| 11 | Domiciliary treatment | Covered | Covered |
| 12 | AYUSH treatment | Covered | Covered |
| 13 | Co-payment - (Option to reduce Co-pay | Choose at inception – 0% / 20% / 30% / 40% / 50% | |
| 14 | Deductible - (Optional Cover) | 20% (1/5th) of SI; If Deductible is opted, co-pay is removed | |
| 15 | Safeguard benefit - (Optional Cover) | Truly cashless, NCB protection and inflation proof benefits |
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