💡Key Features of Pro Health Insurance~
🌟Unlimited Health Insurance Coverage: No matter what kind of treatment you need whether it’s a small procedure or major surgery your health insurance claims are fully covered with no limits . This means you can focus on getting the right care without worrying about medical expenses giving you complete peace of mind and financial protection.
🌟Say Goodbye to Long Waits for Coverage: With most health insurance plans, pre-existing diseases come with waiting period that can stretch upto 36 months, But now the pro version is game changer. You can get protection for your pre-existing conditions right from the start (Day1). All it take is underwriting loading and you skip the usual waiting period from your policy.
✅ This means uninterrupted access to care, especially for those managing chronic diseases because your health should not have to wait.
🌟Smarter Hospitalization: In this feature if you inform your insurer 48 hours in advance of planned treatment then they will guide you about the hospitals that are both cost effective and reliable.
✅Save on out-of-pocket expenses.
✅Enjoy a smoother admission process.
✅This helps you to focus on your health not the paperwork.
With this feature hospitalization becomes simpler, smarter and stress free.
💡Core Key Features of Pro Health Insurance~
🌟Stable Premium: This feature locks in your premium at the age you joined until a claim is made. That means your costs are predictable and now your long-term planning is simpler and your health insurance stays affordable over time.
🌟Flexible Room Type Options: Hospital visits can be stressful but pro version helps you feel more at ease with flexible room coverage except deluxe and suite.
✅This helps you to choose a variant that aligns with your preferences.
🌟Hospitalization Coverage: It is designed to take care of your hospital expense so you can focus on your recovery.
✅In Patient Care- Full coverage for ICU stays , room rent, doctor fees and surgery cost upto your chosen sum insured.
✅AYUSH Treatment- Coverage for Ayurveda, Yoga, Unani, Siddha and Homeopathy. For Ayurveda benefits starts after 24 hours of hospitalization.
✅Modern Treatment-
👉🏻Your policy covers expenses fully up to the sum insured.
👉🏻For certain robotic surgeries, there is a sub‑limit of ₹1 lakh.
👉🏻This sub‑limit can be removed if you opt for the Modern Treatment + add‑on.
🌟Pre & Post Hospitalization Cost:
✅Pre Hospitalization- Upto 60 days for consultation, diagnostics and medications.
✅Post Hospitalization- Upto 180 days for follow ups and recovery related expenses.
✅Domiciliary Treatment- As per the doctor’s advice this policy offer home care covered upto the sum insured.
✅Organ Donor Expenses- Full coverage for surgery and harvesting costs.
💡Customizable Add-Ons for Financial Flexibility:
- Co-Payment Flexible options ranging from 0% to 50% depending on the plan variant.
- Deductibles Choose your deductible amount between ₹10,000 and ₹5,00,000 giving you control over premiums.
- Hospital Daily Cash Receive ₹1,000 per day (up to 30 days per year) to cover incidental expenses during hospitalization.
- Personal Accident Cover Protection ranging from ₹10 Lakhs to ₹1 Crore in case of accidental injury or death.
💡Things to Consider~
🌟Premium Costs: Unlimited coverage at a higher premium compared to standard plans.
🌟First Claim Rule: The unlimited benefit applies only after the first claim, the initial claim is limited to the base sum insured.
🌟Add Ons: Features like day 1 pre-existing disease coverage are not standard and required additional premium.
So if you want long-term, stress-free protection against rising medical costs, The Pro Health Insurance is a strong option. It’s especially useful for families or individuals concerned about multiple hospitalizations or high-value treatments. However, weigh the premium costs vs your healthcare needs before committing.