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  #1  
Old March 18th, 2016, 01:38 PM
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Default Ing Vysya Health Insurance

Can you tell me in detail about the eligibility requirement for applying for Health Insurance plan/policy in ING Vysya (now Kotak) Bank Limited? Also tell me about the coverage of the policy?
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  #2  
Old March 18th, 2016, 02:10 PM
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Join Date: Nov 2011
Default Re: Ing Vysya Health Insurance

A Health Insurance plan designed to protect one and one’s family against expenses sustain in case of hospitalization. This health insurance policy can be customized to suit requirements and budget.

ING Vysya (now Kotak) Bank Limited is a corporate agent of ICICI Lombard General Insurance Co Limited. Insurance is a subject matter of solicitation.

Participation by ING Vysya (now Kotak) Bank customers shall be purely on voluntary basis. The contract of Insurance is between ICICI Lombard General Insurance Co Limited and the insured, and not between ING Vysya (now Kotak) Bank Limited and the insured.

Eligibility

One can buy the policy for any family member children and / or parents

The minimum entry age for one to get the policy is 3 months in case of floater and 6 years in case of individual.

The Proposer needs to be aged above 18 years

To cover children aged between 3 months to 5 years, the policy must also cover at least 1 adult
Children under less than 91 days old cannot be covered

Individual(s) proposed for Insurance whose age is 46 years & above have to undergo medical tests at ICICI Lombard designated diagnostic centers

The policy offers the option of life-long renewability

Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, Parents and Dependent children.

Coverage
• Medical expenses incurred as an inpatient during hospitalization for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines bills, etc
• Medical expenses incurred 30 days prior and 60 days post hospitalization
• Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalization.
• The minimum entry age starts from 6 years under individual policy, and 3 months under a floater policy.

Things not covered
Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident.

This clause is not applicable on the subsequent renewals.
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