I think you don’t need a test if you are under 30 years old

Do you smoke? I think premium is higher if you smoke. And I’m not sure how they check if you smoke or not. Ask the insurance guy if you need a blood test.

Generally you don’t need to go for a blood test if you are under 30 years of age. Think you need to go for a blood test if you have any existing disease like high blood pressure etc already. Hope this helps’

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hi ya you need to examine by insurance medical officer.if they need some blood tests then you have to go for blood tests.

Advantage Star Health Insurance

•     Over 10 Corer People Covered Across the Country.

•     Hospitalization expenses incurred as a result of illness/disease/sickness/accidental injuries.

•     Covers hospitalization expenses like Room Rent, Medicines, Scan, X-Ray, Operation Theater charges, Surgeon, Consultant and Anesthetist fees.

•     Direct Settlement of Claims - NO TPA

•     Covers pre and post-hospitalization.

•     Wide Net work of more than 5100 hospital across India

•     Life Time Renewal for Senior Citizen plans.

•     Wide choice of plan option

•     Exclusive policy covering Pre-Existing Disease.

Mediclassic - Individual Health Insurance

•     Covers hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries.

•     Covers pre and post-hospitalization expenses

•     Non – Allopathic up to Rs.25,000 per year.

•     12 day care procedure covered.

•     No claim discount ranging from 5% to 25% for every claim-free year

•     Maximum cover of Rs.10,00,000 per individual

Family Health Insurance

•     A Super Saver Policy

•     Single Sum Insured,

•     Coverage for entire family in Single Premium

•     Considerable saving in premium as the family is covered under one policy.

•     Covers Pre and Post hospitalization and 12 Day care Procedure

•     Sum insured is floated amongst the family members

•     Maximum cover of Rs.10,00,000 per family

Senior Citizen Health Insurance

•     This is India's first health insurance policy aimed specifically at senior citizens

•     It provides cover for anyone over the age of 60 and permits entry right up to the age of 69

•     No pre-insurance medical test required.

•     Guaranteed renewals beyond 69 years,

•     Pre-existing diseases covered.

•     Only cashless at network hospitals

•     Maximum cover of Rs. 5,00,000 per individual

Criticare Health Insurance

•     This policy offers cover to the Insured Person under two sections. Both regular hospitalization benefits and Major Disease’s benefits are available under one policy. [100% Lump Sum Payment for major identified Critical illness - First Diagnosis of Cancer, Chronic Kidney Disease, Brain Tumour, Irreversible Coma, Undergoing first time - Major Organ Transplant, Occurrence for the first time of the Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in LVEF of
Diabetes Safe Health Insurance

•     An Exclusive policy that helps those affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications.

•     Eyes: Diabetic Retinopathy requiring laser treatment.

•     Kidneys: Diabetic Nephropathy leading to chronic renal failure.

•     Feet: Diabetic foot ulcer requiring micro-vascular surgical correction.

Super Surplus Health Insurance

•     Wide coverage option of Rs. 7 lakh and Rs. 10 lakh,

•     Covers hospitalization expenses in excess of Rs. 300,000 per hospitalization.

Health Gain Insurance

•     A policy which provides for both inpatient and outpatient benefits.

•     Standard Premium – Rs. 14,725/- for all age group and family size.

•     Renewable up to 60 yrs of age

•     OP benefits only as reimbursement

•     Accumulated OP bills can be claimed within the policy year.

•     Flexibility to increase SI as age increases for the same premium.

Unique Health Insurance

•     A two year policy

•     Pre-Existing Diseases will be covered after 11 months of continuous coverage have elapsed.

•     Covers both pre existing ailment and future diseases

•     No pre medical checkup.

•     Policy is offered with 30/% Co-pay for All Claim.

Pregnancy Health Insurance

•     Pasic Floater Plan with Addition Cover.

•     Expenses of delivery – Normal or Caesarean

•     Newborn baby cover,

•     Post delivery complication cover for mother after the delivery.

•     Cost of test incurred for detecting any disorders in the Fetus up to Rs. 1,000/-

•     Non Allopathic Treatments: Up to Rs. 25,000/- per policy period.

•     Age 18 years to 40 years entry and family size of 2A and 2A + 1C.

Travel Insurance

•     Individual Travel Protect - 5 days to 180 Days Cover

•     Family Travel Protect – 2A and 2C for 15, 30, 45 and 60 days

•     Corporate Travel Protect – worldwide option

•     Student Travel Protect.

Personal Accident

•     A protection to the family in the unfortunate event of accidental death or disablement.

•     World wide cover

•     Coverage for entire family in one accident Policy

What cannot be claimed?

•     Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy

•     First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident), Prolapse of intervertebral disc (other than caused by accident),varicose veins and varicose ulcers

•     First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone

•     Naturopathy treatment

•     Expenses which are purely diagnostic in nature with no positive existence of any disease

•     Expenses incurred for non-allopathic treatment

•     Treatment of external Congenital disease/defects/anomalies

•     Expenses which are mainly cosmetic in nature.



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