“IB Arogya Raksha Group Mediclaim Policy” ! Available at most competitive premium rates !! Available only to Indian Bank Customers!!! A co-branded Mediclaim Policy with Personal Accident Death Cover issued by United India Insurance Company Limited to Indian Bank customers!!!! Take this policy and cover your hospitalisation expenses!!!!! Open your account with Indian Bank and avail this facility!!!!!!

Features

1. Arogya Raksha Scheme is a group mediclaim policy taken by Indian Bank and offered to our customers as a co-branded policy in association with M/s United India Insurance Co. Ltd.
   
   
2. The policy gives mediclaim and Personal Accident Death cover together at competitive rates
   
   
3. No Medical Check up
   
   
4. The Premium is eligible for income tax rebate u/s 80 D of IT Act (Upto Rs.15000 for general and Rs.20000 for Senior Citizens)
   
   

5. There are 3 Plans to suit different age groups. The premium structure is given below:

Premium Table for Arogya Raksha

 

Sum-insured Rs. lakh	Plan A (3 months to 35 years – Family 1+3)	Plan B  (3 months to 65 years – Family 1+5)	Plan C  (3 months to  80 years  – Family 1+5)
0.50	663	1333	2794
1	1227	2516	5336
1.5	1651	3676	7920
2	2106	4754	10369
2.5	2512	5753	12689
3	2864	6749	14988
3.5	3280	7664
4	3641	8580
4.5	3999	9496
5	5541	10412

 

6. Insurance cover available between Rs.50000 and Rs.5 lakh under Plans A and B and between Rs.50000 and Rs. 3 lakh under Plan C.
   
   
7. Personal Accident Death Cover up to the amount of sum insured at the following rates: 100% to Account holder, 50% to Spouse and 25% to Children
   
   
8. Cashless Treatment with a wide Network Hospitals through Third Party Administrators (TPA).  When you are hospitalised, all you have to do is to show the TPA card/policy to the Hospital who will arrange to get pre-authorisation from the TPA for hospitalisation expenses through fax. Once pre-authorisation from the TPA is received cashless treatment starts
   
   
9. There may be instances where the TPA may not sanction cashless treatment due to past medical history. In such cases an option will be given to the policy holder to make a separate claim to the TPA within 15 days of discharge from the hospital
   
   
10. Covers  hospitalisation expenses for Diseases/Illness / Injury/Accident
    
    
11. A minimum of 24 Hrs hospitalisation is required for eligibility for reimbursement of hospitalisation expenses
    
    
12. Maternity Expenses benefit is eligible after 9 months from the date of proposal; Upto 5% of Sum Insured
    
    
13. Child Care benefit: Upto 3 months from the date of birth; 5% of Sum Insured within the overall eligible maternity expenses benefit
    
    
14. 30 days Pre-hospitalisation expenses and 60 days Post-hospitalisation reimbursed
    
    

15. The Third Party Administrators (TPA) authorised by United India Insurance Company Limited to handle this Policy for cashless operations are:

·         TTK Healthcare Services Pvt. Ltd.  and

·         Medicare TPA Services (I) Pvt. Ltd.  

16.  Any two dependent children covered ; In case of sons, up to 21 years/employment and in case of daughters, till marriage or employment , whichever is earlier
    
    

17. Facility of paying the premium through any of our branches without any charge (some banks are levying handling charges)
    
    
18. Free Health Check up: The insured shall be entitled for a free Medical check-up to be carried out by the Company authorised TPAs once at the end of block of every three underwriting years provided there are no claims reported during the block subject to a limit of 1% on the average of the sum insured opted during the preceding three policy periods.
    
    
19. Enhancement of Sum Insurance only at the time of Renewal and is restricted to the immediate next higher slab of Sum Insured as given in the premium chart
    
    
20. The existing benefits under the policy will be extended even in the case of an insured person from other insurance company switching over to United India before the expiry of the policy period. .
    
    
21. Premium cheque to be drawn on “ United India Insurance Co. Ltd. A/c IB Arogya Raksha” Proposal form to be duly filled in duplicate, signed by members and branch official
    
    
22. Signed acknowledgement (tear off) will be given immediately to the custome by the branch 2 sets of stamp size/passport size photographs to be taken. One set affixed in the respective places and the other should be put in a separate cover and sent. The photos should bear the names written on the reverse
    
    
23. In case of non-receipt of Policies branches may take up with Insurance company under copy to IB Bancassurance Service Centre, Chennai. The phone numbers of insurance company are : United India Insurance Co. Ltd. (Divisional Office 5), Catholic Centre, 64 Armenian Street, Chennai 600001 044 25389793/94; For non-receipt of TPA card contact the TPA quoting the policy number. The Toll free number for TTK Healthcare Services is 18004257575 and that of Medicare TPA Services is 1800 345 1234
    
    
24. Settlement of Claims is the sole responsibility of M/s United India Insurance Co. Ltd. However, Indian Bank provides advisory services only. Bank reserves right to change/alter any terms and conditions without prior notice.