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Manage your Health Expenditures with Shri Vector Care Insurance
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- Overview
- Coverages
- Key Features
- Terminologies
- Claim Process
- Policy Download
- FAQs
Shri Vector Care Insurance Coverage
- What is Covered?
- What is not Covered?
If the insured diagnosed with any of the covered vector borne disease during the policy period and admitted to the hospital longer than 24 continuous hours, the insurance company shall pay a lump sum payment of 100%, as specified under the policy schedule, subject to the sum insured limits, terms, conditions, definitions and exclusions expressed in the policy schedule
Following are the vector borne disease covered under the policy:
a. Malaria
b. Dengue
c. Lymphatic Filariasis
d. Kala-azar
e. Japanese Encephalitis
f. Chikungunya
g. Zika Virus
Coverage without Restoration
Individual Cover
Upon admission of any claim against one of the listed diseases, a 100% sum assured will be paid and the policy terminates subject to other terms and condition of the policy
Family Floater Cover
Upon admission of a claim to any member of the policy against one of the listed diseases, a 100% sum assured will be paid to the claimed member of the policy. And the policy terminates for the claimed member while the policy continues for the remaining members, if more than one claim is allowed under the floater policy. If only one claim is allowed, the policy will terminate after admission of the first claim (refer to table below for the number of members and allowed number of claims)
S.No | Covered Members | Maximum covered members per policy | Maximum number of claims per policy |
|---|---|---|---|
1 | Self | 1 | 1 |
2 | Self + Spouse | 2 | 2 |
3 | Self + Spouse+ 1 or 2 Member (Child or Parent) | 3 or 4 | 2 |
4 | Self + Spouse+ 3 or 4 members (Child or/and Parents) | 5 or 6 | 2 |
Note: Under options 3 and 4 above, irrespective of the number of parents/parents-in-law covered, maximum number of members covered in the family will not exceed the numbers mentioned above
Coverage with Restoration
Individual Basis
Upon admission of any claim against one of the listed diseases, the sum assured will be restored to 100% and the policy continues until an allowable number of claims are made under the policy or the end of the policy term, whichever is earlier, subject to a cooling off period
Family Floater
Upon admission of any claim against one of the listed diseases, the sum assured will be restored to 100% and the policy continues until an allowable number of claims are made under the policy or the end of the policy term, whichever is earlier subject to cooling off period
S.No | Covered Members | Maximum covered members per policy | Maximum number of claims per policy |
|---|---|---|---|
1 | Self | 1 | 2 claims including 1 restoration |
2 | Self + Spouse | 2 | 2 claims including 1 restoration |
3 | Self + Spouse+ 1 or 2 Member (Child or Parent / Parent In law) | 3 or 4 | 6 claims including 3 restorations |
4 | Self + Spouse+ 3 or 4 members (Child or/and Parents/Parent in law) | 5 or 6 | 6 claims including 3 restorations |
*Per member maximum of 2 claims per policy year is allowed
Note: Under options 3 and 4 above, irrespective of the number of parents/parents-in-law covered, maximum number of members covered in the family will not exceed the numbers mentioned above.
01
Any conditions other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy
02
Admission to the hospital for less than 24 hours
03
Any of the covered vector-borne diseases diagnosed within the waiting period
04
Diagnosis and treatment outside India. However, this exclusion shall not be applicable in the following countries: Canada, Dubai, Hong Kong, Japan, Malaysia, New Zealand, Singapore, Switzerland, the USA and countries of the European Union. The Reinsurer may review the above list of accepted foreign countries from time to time. Claims documents from outside India are only acceptable in English unless expressly agreed otherwise and duly authenticated
05
Any claim during the waiting period
Frequently Asked Questions
Can I port any other policy into this policy?
Portability is applicable only to similar products. In this case, you can port your existing vector care policy into this policy
What our customers say ?
MARCUS MANOHAR PARKHE
Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.
ANIL KUMAR HP
Good
VAISHALI VAIBHAVKUMAR PANDYA
very good
CHAUDHARI JASAVANTKUMAR
Good
AKRAM KHAN
Good
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