- Individual Life Plans
- Whole Life Assurance
- Endowment Assurance
- Sadabahar Plan
- Anticipated Endowment Assurance
- Shad Abad Assurance
- Jeevan Saathi Assurance
- Child Education And marriage Assurance
- Child Protection Assurance
- Sunheri Policy
- Shehnai Policy
- Optional Maturity Mndowment
- Muhafaz Plus Assurance
- Supplementary Covers
- Committee Policy
- Group Life & Pension Plans
- Insurance Plans for Gulf
- Real Estate
- About Us
Health Care Plans
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- Utilization of health care facilities
- Provision ofÂ quality health services
- Provision of cashless services to beneficiaries
- Awareness regarding financial risk due to health related perils
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Social Health Protection.
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- Costs resulting from self-inflicted injury, attempted suicide, abuse of alcohol, drug addiction or sexual disorders and treatment of sexually transmitted diseases.
- Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations) or sensual reassignment (whether or not for psychological reasons) .
- Treatment or investigation of fertility, infertility, sterilization or contraception and any complication relating thereto or hormone treatment and investigations.
- Participation in or training for any dangerous or hazardous sport, pastime or competition or any professional sport.
- Injuries as a results of an illegal act by the Insured Person.
- Injury or treatment resulting from war, riots, invasion, act of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular uprising, military uprising, insurrection, rebellion, military or usurped power or any act of any person acting on or on behalf of or in connection with any organization actively directed towards the overthrow or to the influencing of any government or ruling body by force, terrorism or violence.
- Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste, from the process of nuclear fission or from any nuclear weapons material.
- Services or treatment in any spa, hydro clinic, sanatorium, nursing home or long term-care facility that is not a hospital.
- Acquired immune deficiency syndrome (AIDS related complex syndrome (ARCS) and all diseases caused by and /or related to HIV virus or any other Sexually Transmitted Disease (STDs).
- Experimental or unproven treatment.
- Dental examinations, D-rays, extraction, filling, general dental care / treatment and orthodontic treatment or oral surgery except as a result of emergency due to Accident.
- Cost of correction of refractive errors of the eye and procedures such as Radial Keratotomy and Excimer Laser.
- Routine medical examinations or check-ups including charges arising out of any hospital confinement or admission primarily for diagnostic purposes, routine eye or ear examinations, vaccinations, medical certificate, examination for employment or travel, spectacles, contact lenses, hearing aids and any treatment that is not considered medically necessary.
- Cosmetic or plastic surgery, unless it is re-constructive surgery necessitated by an injury that occurred during the period whilst the insured person was covered under this Contract and subject to the limits and sub-limits stated in the Benefits package.
- Any charges in respect of the donor for organ transplant claims.
- Cost of limbs or supporting equipment for revival or correction of the function(s) of body.
- Personal comfort items such as, charges for telephone, convenience items, meals or other items not medically necessary.
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