Astute Management Consultancy

Astute Management Consultancy Pvt. Ltd.

(Healthcare, Hospitality and Tour &Travel Assistance)

Astute Offer

“FAMILY HOLIDAY PACKAGE” and “FAMILY HEALTH CHECKUP BENEFITS” an innovative bouquet of Health & Wellness Services to its Valued members.

• Travel Assistance
• Health & Wellness Activities
• Discounted Preventive Health Check‐up
• Add ‐ On Health Insurance coverage.

Membership Plan for Members

Group Mediclaim Policy Salient Feature :

Family Floater : Policy can be issues on a floater basis covering the family members of the insured comprising the insured, spouse, dependent parents and dependent children’s (Maximum 6 persons).

What is floater, how does it benefit?

All members of the family (up to 6 Members) can be covered under one single policy one premium payable for the entire family. The amount of sum insured “Floats” over the entire family. No need to insure individual’s members separately. No hassles of tracking renewals for different members.

• Coverage : Entry Age of Primary Member 21 Years to 65 Years and dependent covered from age 3 Month to 85 Years (Without Medical Report)
• Members to be Covered : Self, Spouse, 2 Dependent Children (Up to Age 25 Years), Dependent Parents or Parents‐In‐Law

PRE‐EXISTING TERMS & CONDITIONS :

IMPORTANT CONDITIONS

1. Sub Limit for Sum Insured :

• Per Day Room Rent ‐ 1% of Sum Insured.
• Per Day ICU/ICCU charges ‐ 2% of Sum Insured.
• Pre & Post Hospitalization 30 days & 60 days.
• No coverage of Maternity Benefit.
• No Coverage of Domiciliary Hospitalization.

2. Disease wise Sub‐limit :

3. Coverage of Pre‐Existing Diseases : Pre‐Existing Diseases are covered under the Policy from Day One.

4. Co‐Pay : 15% Co‐pay applicable to Age 50 years and above from every claim (except the disease in which sub‐limit applied).

5. Claim should be intimated to TPA within 24 hrs from hospitailization. If intimation of claims is made after 30 days, co‐pay of 10% will be applicable. This co‐pay will be over and above all other conditions of policy.

6. Final claim should be submitted to TPA / Insurance Company within 15 days after date of discharge from the hospital.

OTHER TERMS AND CONDITIONS :

• These benefits are offered only to the member of Astute Management Consultancy Pvt. Ltd. only.
• The other terms and condition will be strictly as the standard group Mediclaim policy.
• Certificate for the purpose of deduction under Sec. 80 (D) of I.T. is not allowed.
• Insurer & Underwriter company : The New India Assurance Company Limited.
• TPA : Health India Insurance TPA Services Pvt. Ltd.
• Membership is based on Proposer age, Maximum up to total 6 persons;
• Membership Fees are inclusive of applicable taxes;
• The product is marketed through The Rukhmani Charitable Trust.
• The cheque should be in favor of “The Rukhmani Charitable Trust”.