GET 80% DISCOUNT
ON YOUR RENEWAL PREMIUM FOR
A CLAIM-FREE YEAR.

Health Super Saver Insurance

Health Super Saver is a Health Insurance Product with the unique benefit of ‘Super Saver Discount’!

Health Super Saver has 2 Varients

Health Super Saver 1 X Plan

Health Super Saver 2 X Plan

WHAT IS SUPER
SAVER DISCOUNT?

There is a discount of 80% on the applicable premium, which is offered to the Policy Holder in case the initial years of plan tenure as claim-free.

Health Super Saver 1X plan – In case, Policy Holder’s not taken any claim in his or her first-year policy Term, then they are eligible for a Super Saver discount of 80% in the consecutive year of the plan.
Health Super Saver 2X plan – In case, Policy Holder’s first 2 years of plan tenure is claim-free, then they are eligible for a Super Saver discount of 80% for the next consecutive 2 years in the plan or up to the first claim.
In case there is no claim paid for Policy Holder in an individual policy, the Super Saver discount would be applied for that respective Policy holder’s premium only.
In case there is no claim paid for any of the Policyholders covered under the floater policy, the Super Saver discount would be applied to the total policy premium. In case of the claim paid for any insured under the floater policy, the Super Saver discount will not be applicable.

• For the purpose of the Super Saver discount calculation paid claim and outstanding claims are considered

BENEFITS

80% discount on the renewal premium for a claim-free year
Good protection for the whole family
Sum insured on an individual and family floater basis
Insurance premium can pay in Installment
Maternity Expenses Covered after waiting period of 9 months

HEALTH SUPER-SAVER

Eligibility

Sum Insured options (in Rs)

3 Lacs, 4 Lacs, 5 Lacs, 6 Lacs, 10 Lacs,15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs

Proposer Entry age

18 years – 70 years

Child Entry age

From birth – 25 years

Maximum Renewal Age

Lifelong

Sum Insured options

Individual Policy/ Family Floater Policy

Policy Term

Annual

Family Definition (Individual/ Family Floater)

Self, Spouse and up to 4 Children, 2 Dependent Parents And /Or 2 Dependent Parents in law

Plans

Health Super Saver 1X plan & Health Super Saver 2X plan

The chosen plan sum Insured is common to all members covered by the policy. irrespective of Policy taken by Individual or Family Floater Sum Insured options.

Coverages

Hospitalization Expenses

Covered

Pre Hospitalization Expenses

60 days

Post-Hospitalization Expenses

90 days

Day Care Treatment

Covered

Maternity Expenses

Covered with a waiting period of 9 months, inclusive of Pre-natal and Post-natal hospitalization as per the plan opted under the Base Sub Limits

Alternative Treatment

Hospitalization for Ayurveda, Unani, Siddha, or Homeopathy covered

Organ Donor Expenses

Hospitalization expenses are covered (excluding donor screening charges, pre and post hospitalization)

Emergency Ambulance

Maximum up to Rs.1000 per hospitalization

Home Health Care Services

a) Available through our empaneled Service Provider on a Cashless facility basis.

b) Pre and Post hospitalization expenses (both inclusive) are restricted to up to 3% of the admissible claim amount.

Waiting Periods

30 days

Except for Accidental Hospitalization

2 Years

Applicable for listed conditions

4 Years

Applicable for listed conditions

Pre-existing Diseases

Covered after 2 Years

Discount

Super Saver Discount

a) For the Super Saver 1X Health plan option, where your first year of the plan duration is claim-free, you are entitled to an 80% per year Super Saver discount.

b) For the Super Super Saver 2X Health plan option, where the first 2 years of the plan are claim-free, you are entitled to an 80% Super Saver discount for the first 2 consecutive years or until the first Claim request, whichever is the first.

c) If no insured loss is paid in an Individual policy, the Super Saver discount will only apply to that person’s premium. In the event of claims paid in the first year with the 1X plan or in the first 3 years with the 2X plan for any insurance under the individual policy, the Super Saver discount will not apply to the respective policyholder. At the time of the next renewal year, however, insurers have the option to initiate tenure of a new plan under either a 1X plan or a 2X plan. If so, you will be covered by a separate policy with the ownership of a new plan on an insured individual basis without losing continuity benefits such as waiting periods and existing illness coverage.

d) If no claims are paid for any of the insurances covered by the floor policy, the Super Saver discount will be applied to the full premium of the policy. For claims paid for by any policyholder under the floor policy, the Super Saver discount will not apply. However, the policy can be renewed with the mandate of a new plan under the 1X Plan or the 2X Plan without losing continuity benefits such as waiting times and coverage for existing illnesses.

			e) Increase/ decrease in Sum Insured, change of sub-limit option, and/or change of plan is allowed only at the start of plan tenure. Note: For the purpose of the Super Saver discount calculation, paid claim and outstanding claims are considered
		Family Discount	10% discount is applicable in case two or more family members are covered with individual sum insured basis in the same policy Note: The family discount will not be applicable if the Insured opts for a new plan under 1X Plan or 2X plan at the time of renewal due to claim reported under the previous policy.
E	Installment option (monthly, quarterly, half-yearly) with Loading	Loadings on the standard premium will be applicable in case the installment facility has opted for premium payment.
F	Sub-limit for Specified procedures	a) Base Sub-limits (Standard Option/ Double option/ Nil sub-limits option) b) Mandatory Sub-limits for Modern Treatment Methods and Advancement in Technologies c) Optional Sub-limits – applicable for sum insured from INR 3 Lacs up to 10 Lacs if the Insured has opted for it
G	Loadings and Discount applicable for options under the Sub-limits	a) Loading applicable for Base Sub Limits options are as given below, loading shall be applicable on the respective person’s premium b) Discount of 5% shall be applicable on respective person’s premium if Optional Sub Limit has opted In case of the family floater, the loading/discount will be applicable at the policy level.

Installment frequency	Loading on standard premiums
Monthly	5%
Quarterly	4%
Half-yearly	3%

Option	Loading (%)
Standard Option	0%
Double Option	22%
Nil Sub Limit Option	30%

Pre-insurance medical examination

Pre-insurance medical examination for any individual is applicable as below:

Age	Sum Insured (in Rs.)	Medical Examination
Up to age 50 years	Up to 20 Lacs	Not required. Subject to clean proposal forms (without medical declaration)
Up to age 50 years	25 Lacs, 50 Lacs	Required
51 years and Above	Any Sum Insured	Required

Any change in the premium will be done with the approval of the

The revised rate applies to all new applications.
The revised award must be linked to renewals starting at least 3 months in advance.
Current interest rates will continue to apply to policyholders until the end of the current plan.
The likelihood of this policy being revoked in the future will be limited for approximately the same 3 months before the policy expires.

Exclusions

• Expenses related to existing illnesses will be excluded until the 24-month expiration date.

• Illnesses that develop in the first 30 days of the insurance policy, except for accidental injuries.

• Joint replacement surgery due to degenerative conditions, the listed psychiatric disorders should be covered after a 48-month waiting period.

• Diseases such as cataracts, benign prostatic hyperplasia, hernias, and tumors should be covered after a 24-month waiting period.

• Gender treatment changes.

• Dangerous or adventurous sports.

• All costs associated with sexually transmitted diseases other than HIV / AIDS.

* The above list is essentially an indicator. See the policy wording for more information

Other features:

There is no premium charge for the experience of unfavorable claims.
Follow the guidelines to provide portability and migration.
Installment Payment Options – Installment premium payment options are available.
Premiums paid by means other than cash and remittance checks are subject to the tax deductions under Section 80-D of the Income Tax Act.

Base Sub-limits

Our maximum liability towards expenses incurred during hospitalization

(inclusive of pre and post hospitalizations) for the specified conditions/ procedures are as per the 3 options given below:

Standard Option

The maximum liability for the specified conditions/ procedures will be as per the table below

All values are in INR
Procedure/Treatment	Sum Insured
Procedure/Treatment	300000	400000	500000	600000	1000000	1500000	2000000	2500000	5000000
Listed Mental and Psychiatric Illness # a) F01 Vascular dementia b) F20 Schizophrenia c) F30 Manic episode d) F31 Bipolar affective disorder e) F32-33 Depressive disorders f) F41 Other anxiety disorders g) F50 Eating disorders h) F60 Specific personality disorders i) F84 Pervasive developmental disorders j) F40.9 Phobic anxiety disorder, unspecified k) F05 Delirium, not induced by alcohol and other psychoactive substances	60000	80000	100000	120000	200000	300000	400000	500000	1000000
Cataract surgery (per eye)	30000	40000	50000	60000	100000	150000	150000	150000	150000
Maternity* – Normal Delivery	15000	15000	25000	25000	35000	50000	50000	50000	50000
Maternity* – LSCS (Caesarean)	25000	25000	35000	35000	45000	50000	60000	75000	100000

# Per policy period
*Maternity limit includes Pre-natal and Postnatal hospitalization expenses.

Double option

The maximum liability for the specified conditions/ procedures will be as per the table below:

All values are in INR
Procedure/Treatment	Sum Insured
Procedure/Treatment	300000	400000	500000	600000	1000000	1500000	2000000	2500000	5000000
Listed Mental and Psychiatric Illness # a) F01 Vascular dementia b) F20 Schizophrenia c) F30 Manic episode d) F31 Bipolar affective disorder e) F32-33 Depressive disorders f) F41 Other anxiety disorders g) F50 Eating disorders h) F60 Specific personality disorders i) F84 Pervasive developmental disorders j) F40.9 Phobic anxiety disorder, unspecified k) F05 Delirium, not induced by alcohol and other psychoactive substances	120000	160000	200000	240000	400000	600000	800000	1000000	2000000
Cataract surgery (per eye)	60000	80000	100000	120000	200000	300000	300000	300000	300000
Maternity* – Normal Delivery	30000	30000	50000	50000	70000	100000	100000	100000	100000
Maternity* – LSCS (Caesarean)	50000	50000	70000	70000	90000	100000	120000	150000	200000

# Per policy period

*Maternity limit includes Pre-natal and Postnatal hospitalization expenses

Nil sub-limit option

Under this option, Our maximum liability for the specified conditions/ procedures will be as per the actual expenses or up to the sum insured, whichever is less:

Listed Mental and Psychiatric Illness

F01 Vascular dementia
F20 Schizophrenia
F30 Manic episode
F31 Bipolar affective disorder
F32-33 Depressive disorders
F41 Other anxiety disorders
F50 Eating disorders
F60 Specific personality disorders
F84 Pervasive developmental disorders
9 Phobic anxiety disorder, unspecified
F05 Delirium, not induced by alcohol and other psychoactive substances

ii. Cataract surgery (per eye)

Maternity (Normal Delivery or Caesarean Section)

Mandatory Sub-limits for Modern Treatment Methods and Advancement in Technologies

The Medical Expenses incurred for the below-listed treatments or procedures, as an inpatient or as daycare treatment (inclusive of pre and post-hospitalization), shall be restricted to 50% of the sum insured opted, per policy period.

Uterine Artery Embolization and HIFU
Balloon Sinuplasty

Deep Brain stimulation

Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as an injection
Intra vitreal injections

Robotic surgeries
Stereotactic radio surgeries

Bronchial Thermoplasty
Vaporization of the prostate (Green laser treatment or holmium laser treatment)
IONM – (Intra Operative Neuro Monitoring)

Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.

Premium Tables (exclusive of Goods and Services Tax)							A. Individual Premium
Health Super Saver 1X Plan
Age Bands/SI	3 lakhs	4 lakhs	5 lakhs	6 lakhs	10 lakhs	15 lakhs	20 lakhs	25 lakhs	50 lakhs
0-17	3535	4246	4686	5262	6548	7395	8580	9515	12054
18-25	5863	7022	7739	8677	10774	12153	14084	15339	19477
26-30	6194	7418	8175	9165	11379	12835	14873	16174	20543
31-35	6509	7792	8587	9626	11948	13476	15615	16959	21542
36-40	7423	8880	9782	10961	13597	15332	17760	19228	24431
41-45	8518	10183	11214	12562	15576	17558	20333	21950	27897
46-50	10762	12857	14154	15850	19641	22134	25626	27549	35031
51-55	14632	17389	19095	21327	26315	29597	34192	36161	46006
56-60	19155	22779	25023	27957	34516	38831	44872	47461	60406
61-65	25085	29846	32794	36648	45263	50931	58866	62267	79270
66-70	32847	39093	42960	48017	59320	66756	77166	81628	103936
71-75	42980	51164	56230	62854	77662	87404	101043	106888	136114
>=76	54653	65066	71512	79941	98782	111177	128531	135969	173156
Health Super Saver 2X Plan
Age Bands/SI	3 lakhs	4 lakhs	5 lakhs	6 lakhs	10 lakhs	15 lakhs	20 lakhs	25 lakhs	50 lakhs
0-17	3703	4447	4908	5510	6856	7741	8981	9940	12596
18-25	5992	7176	7909	8867	11010	12419	14392	15665	19894
26-30	6339	7590	8365	9378	11643	13133	15219	16540	21009
31-35	6775	8110	8936	10017	12432	14021	16246	17626	22393
36-40	7719	9233	10170	11396	14135	15937	18460	19969	25376
41-45	9034	10799	11891	13319	16512	18613	21554	23241	29543
46-50	11534	13778	15166	16983	21043	23714	27453	29483	37496
51-55	15668	18624	20454	22846	28195	31714	36641	38752	49310
56-60	20546	24438	26847	29998	37041	41674	48161	50941	64841
61-65	26958	32079	35248	39394	48659	54755	63289	66946	85233
66-70	35372	42102	46268	51717	63895	71907	83124	87932	111968
71-75	46389	55225	60694	67847	83835	94354	109080	115392	146948
>=76	56401	67149	73803	82503	101952	114747	132660	140338	178723

Floater Discount: Applicable as per the following table

Age Bands/ SI	Floater Discount
0-17	60%
18-25	55%
26-30	50%
31-35	45%
36-40	45%
41-45	40%
46-50	40%

Age Bands/ SI	Floater Discount
51-55	40%
56-60	35%
61-65	35%
66-70	35%
71-75	35%
>=76	25%

Note

This is just an illustration of premium
Premiums may vary with respect to Plan and Sum Insured opted by the
Premium rates specified in the above illustration are the standard premium rates without considering any loading and/or discounts like – Online (Website) Sales discount
In case the premium is paid on an installment basis, the loading will be applicable
Premium rates are exclusive of Goods and Services Tax
I have tried my best to whole information correct but human error may be possible more details please go through the policy wording

Wants to take policy click here

GET 80% DISCOUNTON YOUR RENEWAL PREMIUM FORA CLAIM-FREE YEAR.