ABHI Group Health Indemnity
Sum Insured : | Rs. 1,000,000 |
Insurance Premium : | Rs. 3,399 |
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In patient Treatment covered upto Rs 1,000,000 , it covers below under hospitalization
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Doctors' fees
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Diagnostics Tests
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Domiciliary Hospitalization
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Medicines and Nursing Charges
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Intravenous fluids, blood transfusion and Injections
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Cost of prosthetics and other devices or equipment if implanted internally during Surgical Operation
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Operation theatre charges
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Pre and Post hospitalization expenses covered upto Rs 100000.(Expenses up to 30 days immediately before hospitalization and up to 60 days immediately after hospitalization including doctor's consultation, diagnostics tests, medicines, drugs and consumables)
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527 Day Care Procedures
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Organ Donor Expenses
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Hospital Accommodation covered upto Rs. 2000 per day for normal room
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ICU/ICCU Rs. 4000 per day
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Ambulance cover- upto-1000

Initial Waiting Period: 30 days and Pre-existing waiting period – 48 Months

Co-Payment Amount: 20% co-payment per hospitalization for all ages (For the claim amount is Rs1 lac, then Insurer would pay up to Rs80,000 while the balance would be borne by customer)

Special illness Restriction -24 months (Sinusitis, Stone in Gall Bladder, Fibromyoma , Polyps of the female genito urinary system, Breast lumps, Menorrhagia, Gout , Spondylopathies, Skin Tumor , Surgery for cyst, tumour, nodule, polyp unless Malignant

Ailment wise capping
Disease | Amount (Rs) |
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Appendectomy-Appendix | 35,000 |
Hip Replacement (Bilateral) including cost of implants | 1,00,000 |
Angioplasty including cost of implants and angiography | 1,00,000 |
Hernioplasty/Herniorraphy- Unilateral including cost of mesh and tacker | 35,000 |
Hydrocele | 20,000 |
Haemorrhoidectomy including Cost of stapler /PTCA | 20,000 |
Total Knee Replacement (Unilateral) including cost of implants | 1,00,000 |
Cataract per eye including Cost of Lens | 20,000 |
CABG | 1,00,000 |
Cholecystectomy | 30,000 |
Hip Replacement (Unilateral) including cost of implants | 1,00,000 |
Arthroscopic Surgery ( Other Than ACL / Menisectomy) | 50,000 |
Hernioplasty/Herniorraphy- Bilateral including Cost of mesh and tacker | 35,000 |
PCNL- Bilatera- Stone removal | 20,000 |
Total Knee Replacement(Bilateral) including cost of implants | 1,00,000 |
Valve Replacement including cost of implants | 1,00,000 |
Laparotomy | 30,000 |
Renal Lithotomy | 40,000 |
Tonsillectomy | 25,000 |
Coronary Artery Diseases | 1,00,000 |
Angiography | 10,000 |
Renal calculi | 30,000 |
Ureteric calculi | 30,000 |
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Addictive conditions and disorders
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Artificial life maintenance
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Ageing and puberty
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Cosmetic Surgery
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Dental/Oral treatment
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Unproven / Experimental treatment
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Unani, Yoga and Siddha treatment
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Health hydros, nature cure, wellness clinics etc
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HIV and AIDS
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Hereditary conditions
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Psychiatric and Psychosomatic Conditions, Obesity, OPD Treatment
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Reproductive medicine - Birth control & Assisted reproduction
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Self-inflicted injuries, Sexual disorder and gender issues
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Sexually transmitted diseases, Sleep disorders, Speech disorders
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Circumcision
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Conflict and disaster
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Drugs and dressings for OPD Treatment or take-home use
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External Congenital Anomaly
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Eyesight
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Items of personal comfort and convenience, including but not limited to the items as mentioned in the policy wording
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Treatment for developmental problems, Treatment received outside India, Unrecognized physician or Hospital, Unlawful Activity, Genetic disorders
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Any expenses as mentioned under the list of Generally Excluded under Hospitalization Cover