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Health Protect

Individual Health Insurance

Your main concern should be getting well or nursing a loved one back to health and not hospital bills and other related expenses. So we want to get those bills out of your way with our simple plans and help in getting your health and happiness back.

We issued the first policy on 4th July 2021.

What’s covered?

Break Through Advantages

HGI – Health Protect, they come your way in the form of thoughtfully designed product & service features:

  • Wide range of Sum Insured options of up to NPR 5.5 Lakhs
  • Covers more than 540 daycare treatments
  • Upto 150% increase in Sum Insured with No Claim Bonus in 5 consecutive claim-free years
  • In case of reimbursement of expenses when you use a non-network hospital, all you need to do is notify us immediately about the claim. Call us directly, send us the specified documents and we’ll process your claim.

Hospitalization For At Least 24 Hours

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay for – room charges, nursing expenses and intensive care unit charges to surgeon’s fee, doctor’s fee, anesthesia, blood, oxygen, operation theater charges, etc.

Hospitalization for less than 24 Hours

We also pay for your medical expenses if you undergo a specified day care treatment at a hospital that requires hospitalisation for less than 24 hours.

60 Days Pre-Hospitalization

Sometimes the procedures that finally lead you to hospital, such as investigative tests and medication, can be quite financially draining. We cover the medical expenses incurred by you up to 60 days before your hospitalization.

90 Days Post-Hospitalization

Expenses don’t end once you are discharged. There are follow-up visits to your medical practitioner, medication that is required and sometimes even further confirmatory tests. We cover the medical expenses incurred by you up to 90 days after your hospitalisation.

Ambulance Cover

Incase of an emergency should you require an ambulance, we offer coverage for that as well.

Extra Care With No Claim Bonus

If you do not claim your health insurance policy in a particular year, we raise a cheer to your good health in the form of a substantial bonus. You receive an increase of 10 % in your sum insured for every claim free year, up to the maximum of 50 % of the sum insured.

Geographical Coverage

Avail certain listed treatments in Nepal and India.

Direct Conversations to Settle Claims

We back up our promise with an enduringly simple claim procedure, which involves just you and us with a network of leading hospitals pan India & Nepal.

In the case of an emergency or a planned hospitalization, all you have to do is present the HGI Health Card along with some simple documents at our network of more than 7000+ leading hospitals pan India, Nepal and avail cashless service.            

Exclusions

  • Any pre-existing ailment/injury that was diagnosed/acquired within 24 months prior to issuance of the first policy
  • Any diseases contracted during the first 30 days of the policy start date except those arising out of accidents
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contact lenses
  • External Congenital disease

Remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.

Premuim Table

Age band/Sum Insured (NPR)1,50,0002,50,0003,00,0004,00,0005,00,0005,50,000
5 to 24 Years1,5551,9982,4412,6272,8142,986
25 to 35 Years2,2212,8173,4133,6223,8304,060
36 to 40 Years2,4463,0773,7093,9364,1644,419
41 to 45 Years3,0993,8244,5504,8365,1225,450
46 to 50 Years5,1816,2057,2297,6748,1198,637
51 to 55 Years6,1147,2808,4468,9739,49910,124
56 to 60 Years7,9279,37310,82011,50512,19013,020

                  Renewal Rate, after one year of continuous coverage

61 to 65 Years10,79313,74916,70517,78218,86020,190
66 to 70 Years15,80920,14824,48626,07827,66929,671
71 to 75 Years22,20928,19834,18636,40238,61741,455
Above 75 Years27,60934,27840,94745,39049,83253,549
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