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Plans > Health Insurance Plans > Individual > Easy Health Exclusive

Our Easy Health Individual Plan protects you not only from unforeseen emergency expenses but also offers a comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation. The Plan offers coverage on individual sum insured basis & also offers an add-on optional cover for listed Critical Illnesses.

Our Exclusive Plan also covers maternity expenses, recovery benefit & also lets you avail the health checkup benefit at every fourth renewal irrespective of claims.

  • We offer coverage from the age of 5 years onwards with maximum entry age of 65 years. A dependent child can be covered from the 91st day (if either parent is covered under this policy).
  • You and/ or your his family members namely spouse, dependent children, dependent parents, parent-in-law, grandparents and grand children are eligible for buying this cover. (we offer a family discount of 5% if 2 family members are covered and family discount of 10% if 3 or more family members are covered under the same policy)
  • Maximum 6 members can be added in a single policy. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can be a combination of Self, Spouse & either set of parents or grandparents or parents in Law.
  • Your premium at renewal may change due to a change in your age or changes in the applicable tax rate.
  • The policy period options include period of 1 or 2 years(s). (We offer 7.5% discount if you opt for a 2 year policy)

Plan Benefits

  • In-Patient Hospitalisation - The medical expenses for coverage for hospitalization of more than 24 hrs.
  • Pre-Hospitalisation - The medical expenses that you incur due to illness during the 60 days immediately before you are hospitalised.
  • Post-Hospitalisation - The medical expenses you incur in the 90 days immediately after you are discharged from hospital.
  • Day-Care Procedures - The medical expenses for all day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.
  • Domiciliary Treatment - The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
  • Organ Donor - Treatment expenses for the organ donor at the time of organ transplant.
  • Emergency Ambulance - Emergency Air Ambulance-Covers expenses for ambulance transportation in an airplane or helicopter for emergency life threatening health conditions.
  • Daily Cash for Choosing Shared Accommodation - A lump sum amount given for selecting a shared room in a network hospital.
  • Daily cash for accompanying an insured child (less than 12 years) - A lump sum amount paid if an adult accompanies an insured child during hospitalization.
  • New Born Baby - An option is given to the policy holder to cover a new born baby (from Age 1-90 days).
  • Maternity Expenses - Covers maternity expenses incurred both before and after child birth procedures.
  • Ayush Benefit - The Medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.
  • Recovery Benefit - Lump sum benefit of Rs. 10000, if hospitalisation is for greater than 10 days - (For sum insured 15 lacs & above)
  • Health Check-up - A comprehensive health check-up involving a number of medical tests only once at the end of a block of three continuous policy years.
  • Stay Active Benefit - In order to encourage Insured members to stay healthy, we will offer a discount at each renewal if the insured member achieves the average step count target on the mobile application provided by us in the specified time interval (calculated from the policy risk start date).
  • Additional Cover for Critical Illness (optional) - You can opt for an additional cover for Critical Illness which covers for cancer, coronary artery (bypass) surgery, first heart attack (myocardial infarction), kidney failure (end-stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke. The sum insured for Critical Illness can be either 50% or 100% of your basic sum insured subject to minimum of Rs. 100,000 & maximum Rs. 10, 00,000.
  • Additional Cover for Critical Advantage Rider (optional) You can opt to cover yourself worldwide at our network centers against treatment expenses for 8 major illnesses that include Cancer, Coronary Artery by-pass surgery, Heart Valve replacement / repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery. The rider offers you freedom to not only avail best healthcare services world over but also covers all travel costs for the insured and accompanying relative, accommodation expenses, second opinion & post hospitalization expenses. This rider will be offered where base policy Sum Insured is Rs.10 lacs & above. This rider can be issued to an individual and/or family only on individual Sum Insured basis.

Others Benefits

  • Cumulative Bonus - You get a Cumulative Bonus (CB) of 10% for every claim-free year accumulating up to 100% (in the event of a claim, CB will be reduced by 10% of SI on the next renewal).
  • Cashless Service - You need to obtain a pre-authorization for all planned admissions atleast 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the guide-book sent along with the policy.
  • Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the sum insured has been enhanced. However, the quantum of increase shall be at the discretion of the company.
  • Portability - If you are insured with some other company’s health insurance and you want to shift to us on renewal, you can. Our portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.
  • Tax Benefits - With the Easy Health Individual Health Insurance plan you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)
Stay Healthy Package

The “Stay Active” a program that not only encourages you to start moving and maintaining a healthy lifestyle but also rewards you with a premium discount at renewal. This is aided by additional benefits that include

  • Online health assessment
  • Customized diet & exercise plan from our experts
  • E- storage facilities to store your medical reports for 24X7 access
  • Great offers & discounts on heath products & services
  • Set alerts to track your health appointments and medicinal intake
  • Exclusive health newsletter & helpline services

And lots more…

The above benefits are offered for policies with sum insured greater than 5 lacs.

In addition, Health Line Services & Discounts at our listed partner’s network are provided in all sum insured – You just need to call us and quote your customer ID to reach our experts and avail their help in primary consultation, health-related counseling, individual referrals, health information, nutrition and diet.

Renewal Policies
  • Our Easy Health policy offers lifelong renewability i.e there is no maximum cover ceasing age in this policy
  • Grace Period of 30 days for renewing the policy is provided under this policy.
  • Waiting periods as mentioned in the policy wording gets reduced by 1 year on every continuous renewal of your Easy Health Insurance policy.
  • Renewal premium are subject to change with prior approval from IRDA. Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated atleast 3 months in advance.
  • All treatments within the first 30 days of cover except any accidental injury
  • Any pre-existing condition will be covered after a waiting period of 3 years
  • 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.
  • Expenses arising from HIV or AIDS and related diseases
  • Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
  • Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
  • Pregnancy, dental treatment, external aids and appliances unless covered under the specific Easy Health Insurance Plan

Please refer to the Policy Wording for the complete list of exclusions.

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