Personal Health Insurance We take smarter care of your risk So you can take better care of your finances.

(1)

www.investacc.co.in

Personal Health Insurance

We take smarter care of your risk

(2)

Welcome to Investacc.

We all want to live longer, healthier, happier lives. Investacc has a range of health covers from different insurance companies designed to help find a healthier you.

Investacc Insurance Brokers is one of the leading insurance service providers dedicated to assist you to have an adequate insurance program for your assets and liabilities.

We are one of the fastest growing broking houses in India providing a one-stop solution for a wide range of services like Best Tailor Made Insurance Solutions, Claims Management, Insurance Audit and Renewal Reviews.

Capitalising on the expertise that we possess, we ensure a flexible and an innovative way of doing business with our clients promising them utmost satisfaction with our services. We always look forward to welcome our clients and endeavour to build an everlasting and a growing relationship with them.

We seek to provide the peace of mind for our clients through high quality insurance products, backed with exceptional service of our staff.

Why Investacc?

A partnership providing the expertise you need. The coverage knowledge you want-We are managed by a strong management, with a blend of youth and experience, which is extremely futuristic in their approach and ensures delivery of real-time services. We provide you with a team of specialists that are able to meet the specific and rapidly changing needs. We ensure that the most comprehensive and cost-effective solutions are always in place.

Smarter experts deliver smarter solutions-

We are built on the foundation of building strong and ever-growing relationships with various business entities and establishing a trustworthy brand name for us. We work with our strategic partners to ensure a seamless integration of their services for you.

Client satisfaction drives our success- We know that our success depends upon how we respond to your inquiries and resolve your questions and

concerns. We take pride in our product knowledge, professionalism and courtesy.

Become a client. But we want you as a partner, too- We are committed to delivering value to our clients through innovative solutions. We understand the importance of providing distinctive, affordable products supported by exceptional service. Tailored solutions are successful solutions-Investacc focuses on de-risking the unknown and

unforeseen risks faced by their clients and adding value to all its stakeholders, including clients, employees and regulators.

Investacc follows a sector specific approach by having dedicated teams catering to different sectors.

(3)

Why Health Insurance?

Gives you piece of mind

It can save you money

 Safeguards you from rising Health Care Cost.

 Safeguards your Savings from Increasing Lifestyle Related Ailments.

 Health insurance covers most of the hospital costs. This means you can generally choose your own

doctor and where you are treated without worrying about treatment costs.

 Taking out or upgrading your health insurance can ensure you’re covered for important services like

pregnancy and childbirth.



Offers you Tax Benefit: Under Section 80D of Income Tax Act, you get a tax benefit of Rs. 25,000 if you

have a individual plan or a family floater plan and you do not fall under senior citizen bracket. If you fall

under senior citizen bracket, you can avail a tax benefit of Rs. 30,000. If you are have a medical insurance

that covers you and your senior citizen parents (and you are not a senior citizen yourself), you stand to

avail a benefit of Rs. 25,000 for yourself / family and Rs. 30,000 for holding a health insurance policy for

your parents. So in total, you stand to avail a tax benefit of Rs. 55,000.

(4)

Our Service Pledge:

Our Experts Unbiased Review of over 150 Health Products from 28 Health Insurance Providers

across India.

Dedicated & Exclusive Team to service Personal Health Insurance Proposals.

Competitive Comprehensive Comparison for smooth understanding of Premium v/s Benefits

available under various products.

Due Diligence & Compliance including filling up of Proposal Forms & Pre Policy Requirements

including Portability Formalities

Pre Policy Health Check up appointments & coordination with Insurance Company’s

State of Art Digital Policy Wallet (Secure Login) exclusively available only for Investacc clients.

Important Benefits of Policy Wallet are as under:

. All Past & Current Policies & forms available in Digital (PDF) format on finger tips.

. Cashless cards / E cards available 24x7x365.

. Dashboard for Individual Insurance Portfolio Analysis & Annual Premium Outgo.

Daily Health Tips for Investacc Clients via Email, Official Social

Media Accounts etc.

(5)

Our Role in Claim Process

Dealing with health insurance claims requires expertise to present a claim for each and every

unique circumstance around each claim.

Investacc Will Provide:

Value Additions:

 Interpretation of your Existing Health Policies & offering of Best Health Product

available in market through transparent process.

 Benchmarking of your current Health Insurance Requirement keeping in mind

various factors like Inflation, Dependency, Previous Family History & Market

Trend.

 Family Health Assistance through our In House Counselling Cell.

 Special Discounts for Personal / Individual Family Health Plans exclusively for

Investacc Clients. (*conditions apply).

 Waiver of health check-ups given in selected Insurance Companies exclusively for

Investacc Clients. (*conditions apply).

 Emergency Contact numbers like Ambulance, Blood bank, pharmacy, Doctors

Etc shared.

Exclusive & Dedicated Claim personal who have Critical and effective claim management

skills.

Dedicated & Exclusive Team to service Personal Health Insurance Proposals.

Investacc will play important role in getting approval for cashless services through network

hospitals & will guide you in all reimbursement claims filing & response to deficiencies for

smooth settlement of your Health Insurance Claims.

Technology based monitoring of claims & regular updates on status to Investacc’s Client

for offering Seamless Claim Services.

(6)

Features not known while purchasing the policy from market

Ailment/ diseases capping

: T

he insurer places a cap on the claimable amount for hospitalization due to certain

Ailments. Mostly based on your sum assured, it’s usually a fixed value for specific ailments (sometimes expressed as percentage of the sum assured). A plan with no sub-limits could have a higher premium while otherwise having sub-limits could reduce the premium substantially.

Room Rent Limit

:

Hospitals charges are different (for the same services) depending on the room type you have chosen.

Insurance companies therefore not only deduct the additional room charges over and above your eligibility, but also proportionately deduct all other hospital charges that are linked to the room you have chosen.

Age Limit:

The older one gets, more the expenses mount. Hence, when picking a plan for your folks, check till what

age the plan can be renewed. Options are few; going wrong once could mean not being able to get health insurance later.

Waiting Period

: No health insurance company starts covering all your ailments from the word go. For a few ailments,

there is a waiting period after which these specified diseases will be covered. There are many diseases that are covered in a health insurance policy after a specified number of years. Few insurers might cover them after 1 year and few after 2 years or 4 years.

Covers pre – existing diseases from when?

: Most plans start covering existing diseases only from the 5th year of

renewal. Buying a health insurance policy after having a pre-existing disease may be slightly difficult, because individuals who already have health problems have a higher chance of recurrent claims in the immediate to near future. However, when you look for a perfect plan, make sure that you choose the one with the shortest waiting period.

Deductions:

Insurers offer deductions on your premium by offers such as sub-limits, co-pay options etc. While a few are

great, a few can make a mess when you claim your expenses. Make sure you know what you are getting into.

Sum assured- Individual / Floater

:

Should you buy an individual cover for each family member or stick with a

family Floater product? In an individual health insurance, the cover or sum assured is the maximum that can be spent by the individual in one year on hospitalization expenses. In a family floater the entire family is covered under one cover and under one amount.

Base Plan / Topup

:

A top-up plan is like a spare health policy that comes to help when you’ve exhausted your existing

policy. While your regular policy will take care of your medical expenses until your declared coverage limit, once your sum assured is exhausted this top-up plan comes to the rescue. It covers the balance pending cost incurred reached by the threshold of the regular base policy.

Hospital Network

:

Network hospitals are those set of hospitals which have a tie up with the insurance company.

These are the hospitals which provide cashless treatment facilities to the insured once approved by the insurance company. On the other side, if you get admitted to the non-network hospital, you would need to settle the bill all by yourself and then can claim the incurred medical expenses from the insurance company.

Life Long Renewal

:

A traditional Mediclaim policy has a fixed age limit but some of the policies have eliminated the

exit age clause i.e. the customer can enjoy the benefit of renewing the policy and enjoying the health insurance coverage all through his life. This is an important benefit as most individuals need a health insurance policy in the latter years of their life.

(7)

Changing my insurance cover

(Portability of Health Insurance Policy)

You can apply to increase, reduce or cancel your insurance cover if you would like.

For assistance with your insurance options, simply call us on +91

8433199999 or

info@investacc.co.in

.

*Note: Portability Guidelines of IRDAI will be applicable.

I

nvestacc

I

nsurance

B

rokers

P

vt

L

td

Registered Office: A-2, 303, Jagdamba Complex, Off Malad Link Rd, Near Movie Time Cinema, Malad (West), Mumbai: 400 064. Registered in India – Corporate Identification NoU93030MH2013PTC248517

IRDAI License No –488 Valid From 05th_{May 2014 to 4}th_{May 2017}

Member of Insurance Brokers Association of India – Membership No 401. Insurance is the Subject Matter of Solicitation

For more information on how we can help you protect you and your family

Please contact us on +91-8433199999 or

info@investacc.co.in

.

Follow us on:

www.investacc.co.in

Facebook.

com

Twitter.com Google+.com Linkedin.com

Copyright

Written and published by Investacc Insurance Brokers Pvt. Ltd. This work is copyright and confidential. Other than as permitted by law, no part of it may in any form or by any means be reproduced, stored or transmitted without permission of the

copyright owner, Investacc Insurance Brokers Pvt. Ltd.

Disclaimer

This publication and any recommendations/services offered in it are based on certain observations made by us and/or from information supplied to us from sources, which Investacc believes it is entitled to assume, are reliable. The benefits mentioned in

the publication are offered on case to case basis in coordination with Insurer & Third party administrator (TPA). Investacc is only the facilitator for offering the benefits mentioned in this publication.

It is not, and is not intended to be, exhaustive or conclusive, covering every hazard or risk potential, nor to guarantee compliance with any statute or regulation. It is offered to assist you in your assessment and/or management of risk. Investacc shall have no

obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein.

DID YOU KNOW?

We can help with ALL of your insurance and Risk Management requirements, which may include:

Major Products:

- Standard Fire & Allied perils - Loss of Profit - Energy & Infrastructure risk

- Engineering & Construction incl ALOP - All types of Transit risks - All Types of Misc Insurance

- Directors & Officers Liability - Professional Indemnity - Commercial General Liability

- Product insurance & Product Recall - Credit & Political Risk - Commercial crime & Cyber Liabilities

- Event & Related Insurance incl weather risk - Terrorism Insurance - Term Life & EDIL Insurance

- Healthcare & Accidental Insurance - Kidnap & Ransom - Gratuity & Pension Management

- Motor Fleet – Corporate Fleet & Individual - Extended Warranty - Travel Group & Individual

- High Net Worth Specialised Cover - Home Insurance - Keyman Insurance & Motor Trade

Complimentary Advisory Services