Health Insurance 1764 views June 3, 2021

Reliance BOI Swasthya Bima Plan

Reliance BOI Swasthya Bima Plan provides financial protection to you and your family against medical expenses during the policy term. This policy is available to account holders of Bank of India, and it covers persons aged between 91 days and 75 years. You can cover your spouse and up to two dependent children under this policy. Read this page below and know about the Reliance BOI Swasthya Bima Plan coverage in detail.

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Reliance BOI Swasthya Bima Plan Base Cover

The insurer shall cover the following medical expenses under this policy:

  1. Pre and post-hospitalization expenses up to 30 days and 60 days, respectively
  2. In-patient hospitalization expenses including room rent, nursing expenses, ICU charges, etc. The hospital accommodation coverage for in-patient care is limited to 1% of the sum insured for normal rooms, and 2% of the sum insured for ICU, ICCU, and NICU.
  3. Day Care Procedures
  4. Donor expenses are covered up to 50% of the sum insured, excluding the cost of organ
  5. Domiciliary hospitalization expenses are covered up to 10% of the sum insured
  6. Under AYUSH benefit, the insurer covers hospitalization expenses for Ayurveda, Naturopathy, Unani, Siddha and Homeopathy
  7. Ambulance charges are covered up to INR 1,000 per hospitalization
  8. Cataract treatment per eye is covered up to 20% of the sum insured or INR 40,000, whichever is less
  9. HIV/AIDS treatment
  10. Modern Treatment covered up to 50% of the sum insured
  11. Treatment for correction of eyesight due to refractive error > 7.5 dioptres

Waiting Period

Check out the waiting period applicable to Reliance BOI Swasthya Bima Plan

  1. Pre-existing Diseases – 36 months
  2. Illness/Injuries as specified in the Policy Schedule – 12 or 24 months
  3. Initial waiting period for the treatment of any illness – 30 days

Exclusions from Reliance BOI Swasthya Bima Plan

The insurer shall not pay for the following under this policy:

  1. Investigation & Evaluation
  2. Rest Cure, rehabilitation and respite care
  3. Change-of-Gender treatments
  4. Cosmetic or Plastic Surgery
  5. Hazardous or Adventure sports
  6. Breach of law
  7. Excluded Providers
  8. Substance Abuse and Alcohol
  9. Wellness and Rejuvenation
  10. Dietary Supplements & Substances
  11. Unproven Treatments
  12. Sterility and Infertility
  13. Maternity Expenses
  14. Hearing Aids and Spectacles
  15. Dental Treatment
  16. Circumcision
  17. Convalescence
  18. External Congenital Anomaly
  19. Self Injury and STD’s
  20. Non-Allopathy
  21. RMO Charges

Terms & Conditions Applicable to Reliance BOI Swasthya Bima Plan

  1. Sum Insured options: INR 1 Lakh, INR 2 Lakh, INR 3 Lakh, INR 4 Lakh, INR 5 Lakh per family
  2. The minimum premium amount is INR 3,059
  3. The maximum premium amount is INR 15,150
  4. You can renew this policy as long as you wish, provided you maintain a relationship with the Bank of India as an account holder.
  5. The policy sum insured shall be reinstated up to 25% of the basic sum insured on complete exhaustion of the existing basic sum insured during the policy year

Free Look Period

There is a free look period of fifteen days from the date of receipt of the policy document to review the terms and conditions of the policy and return the same if not acceptable. If you haven’t made any claim during the free look period, the insurer will refund the paid premium after deducting the medical examination expenses and stamp duty charges. Where the risk has already commenced and you have returned the policy during the free look period, a deduction towards the proportionate risk premium for the period on the cover will be made. If only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during the free look period.

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