Shravak Arogyam Phase-6 Policy Silver Plan

*The policy benefits shall be applicable only for JIO members

From: 19 Mar 2016



JIO Phase 6 – Silver Plan

Mediclaim Insurance

PREMIUM details for Phase 6 Silver Plan


FAMILY SIZE

SUM INSURED

PREMIUM FOR 12 MONTHS

SERVICE TAX @14.5%

AMOUNT PAYABLE

Family Floater of size 1+3

Rs. 1 Lacs

900

131

1,031

Family Floater of size 1+3

Rs. 2 Lacs

1,500

218

1,718

Family Floater of size 1+3

Rs.3 Lacs

1,800

261

2,061

Family Floater of size 1+3

Rs. 5 Lacs

2,500

363

2,863

  • Please Note: Hospitalization can be done only in General Ward and through Cashless only within wide range of Network Hospitals.

    A wide range of more than 3000 hospitals in all the major cities a detailed list would be provided later by Oriental Insurance

    • FAMILY FLOATER MEDICLAIM Sum insured of Rs.1 Lac, 2 Lacs, 3 Lacs and Rs.5Lacs
    • FAMILY DEFINITION: (1+3) maximum 4 members with self-mandatory : Primary Member + Spouse + 2 Dependent children up to 21 years of age
    • PRE-EXISTING DISEASES are covered from Day One
    • NO MEDICAL CHECK-UP required
    • AGE LIMIT- 0-80 years (Entry Age of Proposer Between 18 to 80 Years)
    • As per INCOME TAX Act deductions under Sec 80D, Proposer will be eligible for exemption. (Exemption for Payment by Cash not applicable)
    • Hospitalization only in General Ward
    • Only cashless facility in Network Hospitals
    • Maternity covered after 9 months waiting peirod
  • Mediclaim for JIO Members only
  • FAMILY FLOATER MEDICLAIM Sum insured of Rs.1 Lac, 2 Lacs, 3 Lacs and Rs.5 Lacs
  • FAMILY DEFINITION: (1+3) maximum 4 members with self-mandatory : Primary Member + Spouse + 2 Dependent children up to 21 years of age
  • AGE LIMIT- 0-80 years (Entry Age of Proposer Between 18 to 80 Years)
  • Hospitalization can be done only in General Ward and through Cashless only within wide range of Network Hospitals
  • PRE-EXISTING DISEASES are covered from Day One
  • NO MEDICAL CHECK-UP required
  • DAY CARE PROCEDURES Covered as per Insurance company norms
  • TERRORISM Covered from Day One
  • Maternity Benefit are covered as per package rates after 9 months waiting period
  • Only cashless facility in Network Hospitals
  • No option for reimbursement
  • As per INCOME TAX Act deductions under Sec 80D, Proposer will be eligible for exemption. (Exemption for Payment by Cash not applicable)

GENERAL EXCLUSIONS IN MEDICLAIM POLICY
We strive to provide you maximum cover and benefits; however, we would like you to know some of the major exclusions under the policy.

  • External Congenital diseases not covered
  • Any dental treatment unless arising due to an accident
  • Naturopathy treatment not covered.
  • HIV, AIDS and related medical conditions not covered
  • External medical equipment used as post hospitalization care not covered
  • Cost of contact lens, spectacles, hearing aid, cochlear implants not covered
  • General debility, use of drugs or alcohol, intentional self-injury, sterility, venereal disease not covered.
  • Treatment for infertility etc. not covered
  • Hospitalization treatment for less than 24 hrs. Other than specified treatment not covered
  • Injury or disease directly or indirectly caused by or arising from or attributable to War invasion Act or Foreign Enemy Warlike operations (whether war be declared or not).
  • The cost of spectacles, contact lenses and hearing aids.
  • Circumcision unless necessary for treatment or a disease not excluded hereunder or as may be necessitated due to an accident, vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to as accident or as part of any Illness.
  • Any Dental treatment or surgery which is a corrective, cosmetic or aesthetic procedure, including wear and tear, unless arising from disease or Injury and which requires Hospitalization for treatment
  • Ayurvedic & Naturopathy treatment
  • Injury directly or indirectly caused by or contributed to by nuclear weapons/materials