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| Parents Health and Medical Insurance Policy Rishtey for NRI & All |
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| Rishtey – Parents’ Health Insurance - ICICI Lombard General Insurance Company Limited |
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| Rishtey - Parents' Health Insurance |
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Gift your parents something special and unique - gift them the assurance of good health and your support, even though you are miles away. Rishtey is a comprehensive health plan that takes care of your family's hospitalisation expenses, even if you are unable to be around.
Policy Details
Key Benefits
- Cashless claims facility at over 3,500+ network hospitals across India
- No health check-up up to the age of 55 years (age as on last birthday).
- Pre-existing illnesses can be covered after the 4th year of consecutive renewal with
- the Company.us.
- Reimbursement of return airfare (Rs. 20,000 for Plan 2 and Rs. 10,000 for Plan 1) of
- the NRI (applicant) in case he is required to visit his dependent (insured) who has
- been hospitalised due to specified medical emergencies.*
- Nursing care benefit of Rs. 500 per day for a maximum of 3 days, in case the
- insured requires nursing care post discharge.
- Avail tax benefits under Section 80D of the Indian Income Tax Act 1961**
- Now get a Free health check-up coupon for any one insured family member, valid for the policy period
- 2-year (auto renewal) cover for your dependents against a single premium, with
- automatic renewal after the first year.
- Secure your dependants even against hospitalisation due to terrorist activities.
- Value Added Features:
- Online claims status tracking facility on our website
- We shall intimate you via E-mail and SMS when the Insured files a claim.***
- We will call your dependants in India to explain the policy coverage and claims
- Send this policy as a Gift to your loved ones along with a personalised message.
- Buy Online and pay in EMIs without any extra charges****
* Medical Emergencies include - Stroke, Heart Attack (MI), Coronary Artery Bypass Graft Surgery, Kidney Failure, End-stage Renal Failure, End-stage Liver Disease and Brain Tumour Surgery.
** Tax benefits are subject to tax laws. Click here to calculate your tax saving
*** E mail is sent to the ID entered while registering on our website. SMS is sent only to Indian mobile numbers.
**** EMI facility available only for ICICI Bank, Citibank and HDFC Bank (up to 6 months) credit card
customers at the sole discretion of the Banks.
Note: EMI option subject to minimum annual premium of Rs. 1500.
What is covered
- Medical expenses incurred as an inpatient during hospitalisation for more than
- 24 hours, including room charges, doctor/ surgeon's fee, medicines bills, etc
- Medical expenses incurred 30 days prior and 60 days post hospitalisation
- Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy)
- Pre-existing diseases can be covered after four continuous years of coverage with the Company*
- Reimbursement of return airfare (Rs. 20,000 for Plan 2 and Rs. 10,000 for Plan1) of the NRI (applicant) in case he is required to visit his dependent (insured) who has been hospitalised due to specified medical emergencies.**
- This policy also covers you for hospitalisation in case of Swine Flu / H1N1 influenza***
* Conditions Apply
** Medical emergencies for air ticket will include: Stroke, Heart Attack (MI), Coronary Artery, Bypass Graft Surgery, Kidney Failure, End-stage Renal Failure, End-stage Liver Disease and Brain Tumour Surgery.
*** If it's not a pre-existing illness |
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Coverage limit for specific ailments / conditions:
Certain specific ailment(s) / surgery(s)/ procedure(s) are covered up to pre-defined limits under this policy (subject to the total sum insured).
The Company's obligation to make payment in respect of the following ailment(s)/surgery(s)/procedure(s) shall, subject always to limit of indemnity be as per the table below |
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| Name of the Ailment/Surgery/Procedure |
Sub-limit (Rs.) |
| Tonsilitis /Tonsillectomy |
12000 |
| Cataract (Each Operation) |
16000 |
| Tympanoplasty |
18000 |
| Fistula, Piles, Hydrocele, Sinusitis (FESS) |
20000 |
| Appendicitis, Hernia |
25000 |
| Benign Prostatic Hypertrophy (TURP), Hysterectomy |
30000 |
| Cholecystectomy, Lapchole |
40000 |
| Coronary Artery Disease /Ischemic Heart Disease requiring Angioplasty/PTCA |
120000 |
| Joint Replacement Surgery (Each Joint) |
100000 |
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