Health Insurance 401 views January 17, 2022

Due to the rising cases of COVID-19 in India, insurance companies have launched several new health insurance policies. And these are different from the existing plans as the former offers cashless OPD treatment, consumable cover, unlimited teleconsultation, etc. Most plans don’t cover these. To learn more about such health insurance plans, read this page below.

Health Insurance

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List of Newly Launched Health Insurance Plans

The following are the insurance plans with innovative features and benefits –

Care Shield Add-On

This is a rider policy for you by which you can extend your coverage beyond the base policy. Under this, you’ll get mainly three benefits –

  • Claim Shield
  • No Claim Bonus Shield
  • Inflation Shield

Under claim shield, if a claim is filed under the base plan for in-patient hospitalization, the insurer will cover the non-payable expenses like – Belts, Buds, Crepe Bandages, Gloves, Leggings, Masks, Oxygen Mask, Spirometer, Thermometer, Braces, Ambulance Equipment, etc. if the same is used during the stay.

If your base policy is not adequate to cover your expenses in line with healthcare inflation, Care Health Care Shield will increase your sum insured at renewal as per the Consumer Price Index (CPI) declared by the Government of India.

In case of no claim, your sum insured will rise by 60% on renewal. And the bonus is different from the others because it ensures that any claim <= 25% of the sum insured does not lead to NCB cancellation.

Bajaj Allianz Health Prime Rider

You can add this rider to the below health insurance policies of Bajaj Allianz  –

With this add-on, you’ll get –

  • Tele Consultation Cover
  • Investigations Cover
  • Doctor Consultation Cover
  • Annual Preventive Health Checkup cover

In case of any illness or injury, consult a Medical Practitioner, Physician or Doctor listed on the digital platform of the concerned service provider through video, audio or chat. You can consult a Medical Practitioner, Physician or Doctor in person as well at the prescribed network centers or outside the same up to the limit as specified under the rider. The company also covers investigations for pathology or radiology from prescribed network centers or outside the same up to the limit as specified under the rider.

You can get a free preventive health checkup once in every policy year as per the list shown below.

i. Hemogram & ESR
ii. Liver function test
iii. Urine routine
iv. Blood sugar – Fasting
v. HbA1C
vi. Lipid profile
vii. Blood urea
viii. Serum creatinine
ix. T3/T4/TSH
x. ECG

This benefit is available on a cashless basis at the network hospitals or diagnostic centers.

ICICI Lombard BeFit

Under this, ICICI Lombard Health Insurance provides you the following benefits –

  • Cashless Outpatient Consultations at the Network Hospital
  • Routine Diagnostic Cover and Minor Procedure Cover up to the Annual Sum Insured Limit
  • Pharmacy Cover for the purchase of medicines, drugs, and medical consumables
  • Physiotherapy Session with a qualified physiotherapist if a qualified medical practitioner advises the same
  • Tele-consultation for illness/injury occurred during the policy term
  • E-counseling session(s) with a psychologist via ICICI mobile app
  • Diet and Nutrition e-Consultation
  • Preventive health check-up for insured aged 21 years and above
  • Wellbeing Program

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