If opted voluntarily, you will be eligible for additional 10% or 20% discount respectively on the policy premium. In case of a claim has been admitted under In-patient Hospitalisation Treatment then you shall bear 10% or 20% respectively of the eligible claim amount payable under this cover

Zone A

Following cities has been clubbed in Zone A:- Delhi / NCR, Mumbai (including Navi Mumbai, Thane and Kalyan), Hyderabad and Secunderabad, Bangalore, Kolkata, Ahmedabad, Vadodara and Surat.

Zone B

Rest of India apart from Zone A cities.

Note:- Policyholders paying Zone A premium rates can avail treatment allover India without any co-payment. But, those, who pay zone B premium rates and avail treatment in Zone A city will have to pay 20% co-payment on admissible claim amount. This Co – payment will not be applicable for Accidental Hospitalization cases.” Policyholder residing in Zone B can choose to pay premium for Zone A and avail treatment all over India without any co-payment.

Air Ambulance Cover is an optional cover under the policy . If the customer opts for it an additional premium will be charged.

Extra Care Plus Policy is extended to pay the expenses incurred for ambulance transportation in an airplane or helicopter for rapid ambulance transportation from the site of first occurrence of the illness / accident to the nearest hospital during policy period which directly and independently of all other causes results in emergency life threatening health conditions provided such hospitalization claim is admissible under the Extra Care Policy

Policy provides Individual as well as Floater sum insured options under both plans. Self, Spouse and upto four dependent children can be covered under floater option.

Self, Spouse, Dependent Children, Grandchildren, Parents, Sister, Brother, Mother in law, Father in law, Aunt, Uncle can be covered under individual option.

Aggregate deductible is a cost sharing requirement under this policy that provides that the company will not be liable for a specified rupee amount of the covered expenses, which will apply before any benefits are payable by the company. A deductible does not reduce the sum insured. The deductible is applicable in aggregate towards hospitalisation expenses incurred during the policy period

Case: Insured has opted a plan for 2 members, Sum Insured is Rs-10,00,000 and Deductible of Rs. 200000. The Policy Period is from 01-April-2017 to 31-March-2018

Case: Insured has opted a plan for 2 members, Sum Insured is Rs-10,00,000 and Deductible of Rs. 200000. The Policy Period is from 01-April-2017 to 31-March-2018

We need these details to know you better .You can either enter your PAN Card number or Aadhar card number.

This excludes any policy/coverage provided by your employer through a group policy.

Has any of the persons to be insured suffer from / or investigated for any of the following? Disorder of heart, or circulatory system, chest pain, high blood pressure, stroke, asthma any respiratory conditions, cancer tumor lump of any kind, diabetes, hepatitis, disorder of urinary tract or kidneys, blood disorder, any mental or psychiatric conditions, any disease of brain or nervous system, fits (epilepsy) slipped disc, back ache, any congenital / birth defects/ urinary diseases, AIDS or positive HIV. If yes, please specify the duration of illness.

Has any proposal for life, critical ilness or health related insurance on your life ever been postponed, declined or accepted on special terms

GSTIN:- GSTIN refers to Goods and Services Tax Identification Number issued by the GST portal. The persons required to get themselves registered under GST will be issued GSTIN. This number should be quoted by the registered persons while purchasing policies from BAGIC. Such persons can claim the credit of GST paid on insurance premium subject to the conditions prescribed by the Government.

UIN:- UIN refers to Unique Identification Number issued by the GST portal. This number should be used by all the notified UN bodies, consulates or embassies of foreign countries while purchasing policies from BAGIC in addition to other conditions that may be prescribed by the Government. The structure of the said ID would be uniform in conformity with GSTIN structure and will be common for the Centre and the States. This UIN will be required for claiming refund of taxes paid on notified supplies of goods and services received by such entities.