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Health Total

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What is Health Total?

If you want complete health coverage for you and your family, our Health Total Policy is your best bet! Not only does it cover all your medical expenses, but it also offers discounts, tax benefits, and co-payment options!

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!
  • 10% family discount if you cover yourself and one more person in the same plan
  • 10% to 25% discount on premiums if you choose voluntary deductible plan
  • Floater discount on premiums paid for dependent members
  • 10% discount if you pay all premiums at once
  • No loading charge for a bad claim experience
  • Flexible premium payments - monthly, quarterly and half-yearly
  • 15% discount if you buy from our website

What is covered?

INCLUSIONS

  • People Covered

    You can cover up to 15 members of your family depending on the plan chosen i.e. Vital, Superior or Premiere.

  • Hospitalization Expenses

    All expenses incurred as a part of your hospital stay. Some examples include room stay, surgery, etc.

  • Day Care Treatment

    All expenses incurred when you are hospitalized for less than 24-hours. Some examples include chemotherapy, dialysis, cataract, etc.

  • Pre-Hospitalization Costs

    All expenses that occur on your treatment that extends beyond your hospitalization. Some examples include follow-up doctor visits, medications, further diagnostic tests, etc.

  • Post-Hospitalization Costs

    All expenses that occur on your treatment that extends beyond your hospitalization. Some examples include follow-up doctor visits, medications, further diagnostic tests, etc.

  • Organ Donor Expenses

    All expenses incurred in the surgery and storage of organ.

  • Domiciliary Hospitalization Expenses

    All expenses incurred during at-home medical treatment (domicile) for a period of more than three days.

  • Maternity Expenses

    All expenses incurred when a woman is pregnant, including pre-hospitalization expenses, post-hospitalization expenses, delivery charges, pre-and post-natal expenditure, etc.

  • Mental Illness Cover

    All expenses involved in the treatment of mental illness.

  • Patient Care

    All charges incurred in patient care like nursing, etc.

  • Road Ambulance Charges

    Road ambulance expenses involved in providing emergent out-of-hospital medical care when the patient is stationary.

  • E-Opinion for an Illness or Injury

    Expenses involved in seeking medical opinion online for an injury or illness.

  • Alternative Treatment

    All expenses involved in mainstream and accepted form of therapy like Ayurveda, Homeopathy etc.

  • Accidental Hospitalization

    Additional sum insured if you meet with accident and require a hospitalization.

  • Emergency Medical Evacuation

    All expenses involved in transporting you from a medical facility that is not equipped to treat you to a hospital that is advanced and much more capable for treating your medical issue.

  • Consultation

    Any charges incurred in seeking professional consultation from doctors.

  • Diagnostic Tests

    All expenses involved in diagnosing an illness, including tests, imaging exams, check-ups, etc.

  • Child Vaccination Benefits

    All vaccination expenses up to one year after the birth of the child.

  • New Born Baby

    All new born baby expenses incurred during hospitalization from the day of birth till 91 days.

  • Medical Treatment Abroad

    All costs involved in seeking medical advice, diagnosis, care or treatment abroad.

  • Out-Patient Medical Expenses (Consultation and Diagnostic)

    All treatment expenses that do not require a hospital stay or admission. Some examples include therapy, diagnostic tests, etc.

  • Medications

  • Dental consultations and diagnostics only (up to 70%)

  • Out-Patient Medical Expenses (Prescribed Medications up to 80%)

What is not covered?

  • Non-prescribed medicines

  • Illness due to the consumption of alcohol or drugs

  • Hormone replacement therapy

  • Age disabilities or illnesses from birth known as congenital

  • Sex change treatment

  • Injuries due to war

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PRODUCT NAME: FG HEALTH TOTAL | UIN NO: FGIHLIP23059V012223 | LAUNCH DATE: 1ST SEPTEMBER 2022