Health Plans

Island Medicash

An innovative low cost protection plan with hospitalization top up designed to provide a fixed compensation per day spent in hospital or clinic

Features

1. Low cost coverage
2. Get up-to Rs 2000 per day for hospitalization
3. Guaranteed sum assured & hospital benefit
4. Money paid directly to you
5. Part compensation for income lost due to hospitalisation

	Silver	Gold	Platinum
Death Sum Assured	Rs 25,000	Rs 50,000	Rs 100,000
Daily Payout	Rs 500	Rs 1,000	Rs 2,000
Premium	Rs 600	Rs 1,200	Rs 2,300

Policy Conditions

Age at Entry	18 - 60 years
Policy Term	1 year, Renewable
Premium Mode	Single
Key Conditions	Cash paid as from 3rd day in hospital till 15th day, i.e., total of 13 days. Only one claim admitted per year Only continuous hospital stay count Claim admitted as from 2nd month Policy exclusions - As per contract
Cancellation	Policy cannot be cancelled for a refund one month after issuance
Premium Refund	Premium is not refunded if no claims have been paid out

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POLICY EXCLUSIONS

For chronic conditions prevailing prior to policy inception, no claim shall be admitted.

In case of pregnancy of the insured, no claim shall be admitted for the period leading up to three (3) month after childbirth.

Hospitalization due to the following conditions shall not be admitted for a claim under this policy:-

• Cosmetic surgery, Dental/Optical treatment except for injury to natural teeth/eye caused entirely by an accident.
• Intentional self-injury, suicide or attempted suicide (whether sane or insane), venereal disease including AIDS, own criminal act, intoxication, the use of drugs not prescribed by a physician or injury sustained whilst in a state of insanity.
• Treatment received in nature cure clinics or similar establishments or private beds registered within nursing home, sanatoria, convalescent and/or rest homes or ‘cures’ attached to such establishments.
• Psychiatric complications/ Insanity.