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Healthcare prices are rising sharply and you don’t want to burden with the hospital bills during critical times.
You can protect your family with an insurance that fits your budget and needs.
We bring you Aarogya Bima, an affordable health insurance that financially secures your entire family. From hospitalisation to medical tests, pre-hospitalisation to post-hospitalisation, we cover everything!
Under a single sum insured, cover yourself and your spouse.
Port your existing policy with us to avail of benefits and services. Portability is as per the portability guidelines of IRDAI.
We hold no grudges. So, even if you do not like the policy, we allow free cancellation within 30 days, subject to some conditions.
From the expiry date of the policy, you get 30 days grace period for renewal.
INCLUSIONS
Hospitalisation includes room rent, ICU charges, and nursing expenses. These can get really expensive and sometimes beyond your budget. But with our policy by your side, you can opt for the best treatment without thinking twice!
We understand that treatment isn’t only limited to hospitalisation. That’s why we take care of your medical expenses before and after you’re admitted. We also pay for your daycare treatment expenses.
No pre-insurance medical examination test is required if the Insured is up to 50 years of age, irrespective of the Sum Insured opted, subject to no medical declaration in the proposal form.
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.
EXCLUSIONS
Hormone replacement therapy or sex-change treatment
Existing illnesses or disabilities
Illnesses or injuries due to the consumption of alcohol or drugs
Injury or illness due to war or warlike operations
Our plans
Plan A - Mandatory co-payment of 10%
Plan B - Mandatory co-payment of 10% and additional co-payment of 20%
Plan C - Mandatory co-payment of 10% and additional co-payment of 30%
Minimum Policy Term : 1 Year
Maximum Policy Term : 3 Years
Eligibility
Minimum entry age of Proposer - 18 years
Maximum entry age of Proposer - 70 years
Minimum entry age of Child - Day 1
Maximum entry age of Child - 25 years
Maximum Renewal Age - Lifelong
Family Definition
Individual option - Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents
Family Floater option - Self, Spouse and Up to 3 dependent children (Unmarried and up to the age of 25 years)
WAITING PERIOD |
DISEASES |
|---|---|
30 days |
Any illness, diagnosed or diagnosable except those incurred as a result of Injury |
24 months |
Varicose veins and Varicose ulcers, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Hernia, Hydrocele, Fistula/ Fissure in Ano, Hemorrhoids |
36 months |
Pre-existing conditions. |
You can purchase our policies in several ways:
You Can Call On Our HELPLINE
1800-220-233 / 1860-500-3333 / 022-67837800
SEND US AN EMAIL
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.
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 incurredClaim Form
Download and fill the GCI health claim form
Document Submission
Submit original documents to the nearest Generali Central branch
Claim Settlement
We will settle the claim in subject to policy terms and conditionsFile 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 treatmentPeace 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: Aarogya Bima | UIN NO: GCIHLIP23052V032223 | LAUNCH DATE: 05TH-SEP-2022
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