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BSLI Saral Health Plan
BSLI Health Plan
BSLI Universal Health Plan |
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With medical costs increasing considerably, most of us find ourselves unprepared for sudden medical emergencies that tend to throw our finances out of gear.
Birla Sun Life Insurance Health & Wellness Solutions ensure that you never lack the funds to go in for quality treatment in case of medical emergencies. Our plans help you insure yourself and your family for an adequate sum, against major illnesses and injuries. You even have a choice of plans that offer the cashless facility.
To know more about our plans and to get recommendations on the plan best suited to your needs, call for a Birla Sun Life Insurance Financial Advisor. |
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Unforeseen medical expenses can leave a serious dent in your savings. While you realise the need for a plan that covers you for medical expenses, you have always found the process of buying one cumbersome and lengthy. Presenting BSLI Saral Health Plan, a unit-linked health insurance plan that offers comprehensive cover for all medical expenses and that too without you having to undergo any medical tests. This plan offers you:
- Cover for hospitalisation expenses
- Reimbursement of regular healthcare expenses
- Critical illness cover
- Terminal Illness and death benefit
The Saral process:
- Choose your pay term and health insurance benefit term from the options of 10 pay/10 term, 10 pay/20 term, 20 pay/20 term.
- Choose your additional premium (if any), to enhance your health reimbursement benefit to meet your future health & medical related expenses.
- Answer four health related Questions. No medical tests required.
Based on your above choices, you will receive a host of benefits as below:
- Health Insurance Benefit: You can claim this benefit in case of Hospitalisation and/or Critical Illness during the health insurance benefit term.
a. For hospitalisation beyond 48 hours, you will receive a specified amount upto a maximum of Rs.8,000 per day, depending on the nature of treatment involved.
b. For one of the four covered critical illnesses (Heart Attack, Stroke, Cancer and Major Organ Transplant), you will receive a lump sum equal to Rs.20,000 x the policy year in which the illness occurs (e.g. if illness occurs in 3rd policy year, you receive Rs.20,000 x 3 = Rs.60,000).
Your health insurance benefit is fixed at Rs.10 lakhs for the health insurance benefit term. For further details on the Health Insurance Benefit, please contact your financial advisor or refer to the product brochure.
- Health Reimbursement Benefit: To take care of your future health & medical related expenses, your policy premium is used to create a unit-linked fund. You can use this benefit to claim reimbursement of expenses such as dental treatment, pathology & diagnostic expenses, doctor’s fees etc. This reimbursement is free of charge 4 times a year, after completion of 5 policy years. Even after completion of your health insurance benefit term, you can continue to claim reimbursement of expenses to the extent of your Fund Value balance. All you have to do is provide us bills of expenses made to get the amount reimbursed.
- Guaranteed Additions: Your Fund Value will be boosted with Guaranteed Additions at the end of the health insurance benefit term, if all premiums are paid.
For details, please contact your financial advisor or refer to the product brochure.
- Terminal Illness and Death Benefit: In the unfortunate event of a terminal illness or condition, you can claim the full Fund Value without submission of bills. In the unfortunate event of death, the nominee will receive the Fund Value.
- Current Tax Benefits: Under Section 80D, premium amount up to Rs. 15,000 (Rs. 20,000 for senior citizens) per year is allowed as deduction from your taxable income each year.
Your Investment Option For your convenience, we offer one simple investment option – the LifeCycle Option. Under this option your portfolio will be structured according to your age and risk profile. You can decide your approach towards investment - conservative, moderate or aggressive. We will then monitor and administer your portfolio, saving your time and effort involved in overseeing it. With your increasing age and changing risk profile, your investments will be automatically shifted from riskier assets to safer assets. The premiums you pay will be invested between two investment funds – Maximiser (100% equity) and Income Advantage (100% debt). This will be done in a pre-determined proportion, based on the selected risk profile and your age when the premium is invested.
Disclaimers
This is a non-participating unit linked health plan. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation. Birla Sun Life Insurance, Saral Health Plan, LifeCycle Option, Income Advantage and Maximiser are only the names of the Company, Policy, Investment Options and the Investment Funds respectively and do not in any way indicate the quality of the Policy, Investment Funds or their future prospects or returns. Investment risk in investment portfolio is the borne by the policy holder.
UIN No. - 109L048V01 |
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Presenting Birla Sun Life Insurance Health Plan  Being able to provide the best medical care is of great importance to all of us. Illnesses can strike at any time and paying for medical and hospitalization care from your savings can put a strain on your finances and can become a major source of worry. BSLI's Health Plan allows you to spend time cheering up your loved ones and not worry about paying for the best care.
BLSI Health Plan is a 3 years Plan which guarantees you a health cover now and in the future also. Guaranteed coverage till age 80 years  The BSLI Health Plan gives you a guaranteed health cover till the age of 80 years. While you may have to undergo some medical tests when the policy is issued to you for the first time, subsequent renewal every three years are guaranteed without any medical tests. This plan can be renewed till you and your spouse is 78 years old and your children are 23 years old. Now you need not worry about paying your family's hospitalization bills. Health Cover in addition to Mediclaim  BSLI Health Plan covers you in addition to any other health plan that you may have including mediclaim policies.
This means that you only have to submit the photocopies of your hospital bills to claim the benefits under the BSLI Universal Health Plan. With this plan you can now get a double cover benefit. Tax benefit under section 80D  Annual Premiums up to Rs. 15,000 (Rs. 20,000 for senior citizens) are eligible for tax benefit.
And in case you are buying this plan to cover your parents your premiums are eligible for an additional tax benefit of Rs. 15,000 (Rs. 20,000 for senior citizens). Key benefits of the plan 
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Hospitalization Benefit |
In case of hospitalization of any of the family member, this plan provides you with a per day hospitalization expense and ICU allowance |
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Surgical Benefits |
The plan provides a comprehensive surgical cover for a number of surgeries. These are fixed benefits and not linked to your actual expenses. |
Plan Summary 
Age at entry |
Self, Spouse and Parents - 18 years to 65 years, Children - 3 months to 17 years |
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Maximum coverage age |
Self, Spouse and Parents - 80 years Children - 25 years |
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Family members eligible for cover |
Self, Spouse and 3 dependent children or Parents |
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Policy Tenure |
3 years |
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Premium Payment Term |
3 years regular premium payment with guaranteed insurability at the end of every policy term |
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Minimum & Maximum Premium |
Depends on age and gender |
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Network Hospitals with Cashless Facility |
5300 PLUS network hospitals that provide cashless facility |
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Medical Second Opinion |
Free medical second opinion from world's leading second opinion provider |
Risk Factors & Disclaimers 
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating traditional health insurance plan. All terms & conditions are guaranteed during the 3-year policy term. BSLI reserves the right to recover levies such as the Service Tax and Education Cess levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains only the salient features of the plan. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation.
UIN No. - 109N039V01 |
BSLI Universal Health Plan |
Presenting the Birla Sun Life Insurance Universal Health Plan  Over the years health care costs have been steadily increasing in India. Providing for the best medical care and hospitalization is proving to be increasingly expensive, especially when you have to dip into your long-term savings to pay for hospital bills.
The BSLI Universal Health Plan is a health insurance plan, which enables you to provide your entire family with the best medical care without putting a strain on your long-term savings.
It comes with a guaranteed health insurance cover of 3 years for your entire family.
The BSLI Universal Health Plan covers your family's hospital related expenses and also out-of-pocket health expenses such as over-thecounter medicines, gym, yoga, dental and similar expenses. Guaranteed coverage till age 80 years  The BSLI Universal Health Plan gives you a guaranteed health cover till the age of 80 years. While you may have to undergo some medical tests when the policy is issued to you for the first time, subsequent renewal every three years are guaranteed without any medical tests. This plan can be renewed till you and your spouse is 78 years old and your children are 23 years old. Now you need not worry about paying your family's hospitalization bills. Health Cover in addition to Mediclaim  BSLI Universal Health Plan covers you in addition to any other health plan that you may have including mediclaim policies.
This means that you only have to submit the photocopies of your hospital bills to claim the benefits under the BSLI Universal Health Plan. With this plan you can now get a double cover benefit. Comprehensive wellness cover  You will be reimbursed one annual premium every three years, which you may claim as per your requirements. In case you don’t claim this amount, it is carried forward and saved as the Universal Health Benefit (UHB). You can choose to accumulate these benefits and claim them at any time in the future. We also guarantee an additional bonus of 20% on this unclaimed amount every three years. You can use this amount to pay for wellness related expenses like yoga class fees, dental care, spectacles, ayurvedic and homeopathy treatments and similar other expenses. Tax benefit under section 80D  Annual premiums up to Rs.15,000 (Rs. 20,000 for senior citizens)
are eligible for tax benefit.
And in case you are buying this plan to cover your parents your premiums are eligible for an additional tax benefit of Rs.15,000 (Rs. 20,000 for senior citizens). Key benefits of the plan 
|
Hospitalization Benefit |
In case of hospitalization of any of the family member, this plan provides you with a per day hospitalization expense and ICU allowance. |
|
Surgical Benefits |
The plan provides a comprehensive surgical cover for a number of surgeries. These are fixed benefits and not linked to your actual expenses. |
Plan Summary 
Age at entry |
Self, Spouse and Parents - 18 years to 65 years, Children - 3 months to 17 years |
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Maximum coverage age |
Self, Spouse and Parents - 80 years Children - 25 years |
|
Family members eligible for cover |
Self, Spouse and 3 dependent children or Parents |
|
Policy Tenure |
3 years |
|
Premium Payment Term |
3 years regular premium payment with guaranteed insurability at the end of every policy term |
|
Minimum & Maximum Premium |
Depends on age and gender |
|
Network Hospitals with Cashless Facility |
5300 PLUS network hospitals that provide cashless facility |
|
Medical Second Opinion |
Free medical second opinion from world's leading second opinion provider |
Risk Factors & Disclaimers 
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating traditional health insurance plan. All terms & conditions are guaranteed during the 3-year policy term. BSLI reserves the right to recover levies such as the Service Tax and Education Cess levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains only the salient features of the plan. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation.
UIN No. - 109N040V01 |
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