ONEHEALTH INSURANCE POLICY

Each OneHealth insurance plan has…

• Base covers
• Additional covers

Base covers are meant for...

• Various medical expenses maximum up to the Sum Insured limit

Key benefits under base covers

• Modern treatment procedures including Robotics surgery, oral chemotherapy etc. are covered
• In-patient hospitalisation: for hospitalisation expenses like doctor's fees, operation theatre cost, surgery cost, anaesthetist’s charges and nurse’s charges
• Day care treatment cover: For expenses towards modern procedures that don’t require 24 hour hospitalisation, eg: a cataract surgery
• Pre-hospitalisation cover: For expenses incurred before admission to a hospital
• Post-hospitalisation cover: For expenses after discharge from a hospital
• Ambulance cover: for expenses towards emergency road ambulance assistance
• Organ donor expense cover: For hospitalisation expenses of the person who is donating an organ to the insured person
• Domiciliary hospitalisation cover: For expenses of hospitalisation at home in case a patient cannot be taken to a hospital or if hospital beds are unavailable
• AYUSH cover: For non-allopathic treatment like Ayurveda
• IVF treatment cover
• Bariatric surgery cover
• Psychiatric cover
• Lasik surgery cover

Additional covers offer benefits that are over and above the Sum Insured limits.

• Cumulative bonus : Which once accrued is not reduced, even if you make a claim
• Free annual health check-up : For all adult insured persons, irrespective of claims

Your OneHealth policy gives you a host of other benefits. Please refer to our policy document for details.

Some conditions are not covered in your policy. While a few others are, after a defined waiting period

Initial waiting period

• For all treatment expenses, except accidents, the initial waiting period of 30 days is applicable
• For the critical illness cover, the initial waiting period is 90 days

Specific disease waiting period

• For some defined illnesses like cataract, hernia and joint replacement surgeries, a 2-year waiting period from the start date of the first policy is applicable

Pre-existing disease waiting period

• For a pre-existing disease, a waiting period of 2 to 3 years (as per the plan you have opted for) is applicable

Permanent exclusions

The treatments related to permanently excluded conditions are not covered under this policy. Here are some examples

• Treatment for alcohol abuse, substance abuse or addictive condition (code Excl 12)
• Any alternative treatments expect benefit under AYUSH treatment section
• Treatments for an illness or injury resulting from a nuclear or chemical contamination, war, riot and so on.
• Drugs or treatments not supported by a prescription

For cover specific waiting periods, and complete list of exclusions and other details, please refer to our policy document.