What is Health Insurance policy?
Satguru Wealth is a versatile and comprehensive healthcare offering multiple plan options to cater to individual and family needs. It offers strong financial protection with coverage for preand post-hospitalization costs, in-patient and daycare treatments, and the opportunity to add pregnancy and critical illness coverage. Through wellness initiatives, the policy also promotes a healthy lifestyle and provides the chance to accrue a no-claim bonus for further benefits. This insurance plan offers tax benefits, lifelong renewability, and peace of mind in addition to access to high-quality healthcare,making it a great option for protecting your health.
BENEFITS
Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons. By estimating the overall risk of health and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.
Inpatient Expenses: IPD Cover hospitalization
No Capping - No Sub limit
Pre & Post Hospitalization covered
Daycare treatment expenses covered
Organ donation medical expenses covered
Ambulance cover
Daily Cash for choosing shared accommodation
Multiplier Benefit
Free Health Check-Up
Shorter claim period
Riders
Much more..
What is included and excluded Satguru Wealth health insurance policy
Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons. By estimating the overall risk of health and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.
- Choose a Plan
- Complete the Application
- Make the First Payment
Key Features
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Multiple plan options
Satguru Wealth offers various plan options, such as Classic, Supreme, and Elite, allowing policyholders to choose coverage levels and benefits according to their requirements.
1
Pre and Post-Hospitalization expenses
Offers coverage for medical expenses incurred before and after hospitalization for a specified period.
2
No-claim bonus
Years without a claim might earn policyholders a bonus that can be applied toward increasing coverage at no additional expense
3
In-patient hospitalization
Covers medical expenses for hospitalization, including room rent, doctor's fees, and medical tests.
4
Day care procedures
Covers medical treatments that do not require 24-hour hospitalization, such as dialysis and chemotherapy
5
Preventive Healthcare & Wellness
Gives people access to wellness programs and medical examinations in order to encourage leading healthy lives
6
3 simple steps to get a
lifeline insurance policy
1. Select the Sum Insured amount
Select the individuals who need insurance and the appropriate quantity of the sum covered.
2. Select the policy tenure and add-ons
Select your preferred policy period, Add-on and customize your policy
3. Make payment and sit back
Pay online, and your policy will arrive in your mailbox immediately.
Who can benefit from Health Insurance plan by Satguru Wealth?
What is included and excluded Satguru Wealth health insurance policy
In-Patient Hospitalization
Coverage for hospitalization expenses, including room charges, doctor’s fees, medications, anddiagnostic tests.
Pre-Hospitalization and Post-Hospitalization
Payment for diagnostic and treatment expenses incurred both before and after hospital stay.
Day Care Procedures
Coverage for medical procedures like dialysis and cataract surgery that don’t need extensive hospital stays
Ambulance Charges
Reimbursement for emergency ambulance expenses.
Organ Donor Expenses
Coverage for medical costs related to organ transplants for the insured or immediate family members.
Maternity Benefits
Optional coverage for childbirth and newborn care expenses.
Critical Illness Cover
Optional coverage for specific critical illnesses, providing a lump-sum payout upon diagnosis.
Alternative Treatments
Coverage for alternative healthcare treatments like Ayurveda, Unani, Siddha, and Homeopathy.
Second Opinion
Access to a second medical opinion from a panel of experts for critical illnesses.
Wellness Initiatives
Access to wellness programs and health check-ups to promote a healthy lifestyle.
What factors influence insurance premiums and how are they calculated?
The amount of money that a policyholder pays the insurance company in exchange for coverage is referred to as the premium in insurance, and it is determined by a number of factors, including the covered member’s age, city, lifestyle, BMI, and kind of occupation.
How is it calculated Insurance plan
Insurance plan determines premium and coverage. The premium is impacted by both the total insured and the number of insured persons.
Pre-existing medical issues may result in a waiting period for claims as well as an increase in premiums.
Smokers’ higher health insurance premiums are a result of their lifestyle choices.
The premium for health insurance increases with age; it is lower for younger people. For better coverage and possible benefits, buy in advance.
Location affects premium cost – discounts available in select cities.
Benefits of buying Lifeline plan online
Our step-by-step procedure helps you to purchase lifeline plan ease
01. Save time
Purchase, renew, and file claims effortlessly through Royal Sundaram’s online platform, saving you valuable time and effort.
02. Secured
Avail your Royal Sundaram health plan securely online, using safe and reliable online payment transactions.
03. Transparency
You can easily access and review policy details, coverage options, and terms and conditions, ensuring a clear understanding of what you’re buying.
