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Minimum: 18 Years
Maximum: 70 Years
Maximum: 71 Years
Minimum: 7
Maximum: No Limit
Minimum: ₹1,000
Maximum: ₹1,20,000
12 Months
Regular Premium: Monthly/Quarterly/Half-yearly/Yearly
How people have benefitted from IndiaFirst Life
From the onboarding process to the comprehensive medical tests, IndiaFirst Life ensured a hassle-free journey for me. The features of the plan I purchased are as per my expectations, providing me with peace of mind for future.
Mohit Agarwal
(Mumbai, 21st March 2024)
How people have benefitted from IndiaFirst Life
Buying IndiaFirst Life's life-insurance policy was a pleasant experience for me. The hassle-free nature of interaction with the company's representative was a boon and so was the inclusion of must-have features in their policy plans.
Satyam Nagwekar
(Mumbai, 22nd March 2024)
How people have benefitted from IndiaFirst Life
IndiaFirst Life's Radiant Smart Invest Plan has completely won me over! It's like having a trusted ally in my financial journey. With its flexible fund switch options, I've been able to craft my investments just as I envisioned. In just a year, I've seen a remarkable 20% return on my investments! The support from the onboarding team has been absolutely fantastic, making me feel truly cared for and supported.
Paulomi Banerjee
(Kolkata, 21st March 2024)
IndiaFirst Life Group HospiCare (Microinsurance) Plan is a non linked, non participating, group micro health insurance plan that offers fixed hospital cash benefit per hospitalization or fixed cash benefit on first diagnosis of COVID-19 for the financial protection against medical expenses.
This Policy includes the ‘Master Policyholder’ and the ‘Member’.
Who is the Master Policyholder?
Master Policyholder is you, who offers this Policy to its members / customers / employees in order to secure themselves and their family against any uncertainties. The Master Policyholder holds and operates the Policy and may be any of the following:
Who is the Member?
The Member, at the time of applying for cover for the first time, could be an individual in the age group of 18 to 70 years and he is the member / customer / employee of the Master Policyholder. The benefits are payable on the member’s life.
The age limits for a member are -
| Minimum age at entry | Maximum age at entry | Maximum Cover Ceasing age |
|---|---|---|
| 18 years as on last birthday | 70 years as on last birthday | 71 years as on last birthday |
| Minimum Group Size | Maximum Group Size |
|---|---|
| 7 members | No limit |
Premium will be based on Age, Gender, Group Type, Basic Sum Insured and Fixed Hospital Cash Benefit amount chosen by the Policyholder.
You can pay premiums on a monthly, quarterly, half yearly or yearly basis.
Grace period means the specified period of time immediately following the premium due date during which a payment can be made to continue a policy. If a valid claim has occurred during grace period, then hospitalization benefit or fixed cash benefit due to diagnosis of COVID-19 will be paid after deducting due premium. 15 days of grace period will be allowed under monthly premium mode and 30 days for all other premium modes. In case of non-payment of premium within the grace period for non-annual premium payment mode, the policy lapses and cover ceases on expiry of the grace period. In case of renewal of the policy 15 days grace period is allowed by the Master policyholder/member in force without loss of continuity benefits such as waiting periods. If a claim has occurred during this grace period, then hospitalization benefit or fixed cash benefit due to diagnosis of COVID-19 will not be paid.
There is no surrender benefit under this policy. However, you, the Master Policyholder can surrender the Policy anytime. In case of surrender of the policy within the policy term, the member shall get an option to continue the policy as an individual policy till their coverage is terminated as per Certificate of Insurance.
Tax benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws. These are subject to change from time to time as per the Government Tax laws. Please consult your tax consultant before investing.
There is a waiting period of 30 days under Hospitalization Cash Benefit and of 14 days if diagnosed under COVID-19 (Other than hospitalization due to accident) from the member risk commencement date for eligibility of HCB, Sum Insured will be reinstated in full at the beginning of next policy commencement date irrespective of the member claiming or not claiming the hospital cash benefit in the previous policy period. Waiting Period is not applicable from second policy period onwards in case of continuous renewal of the policy.
Below are the exclusions in the policy:
1 ) Less than 24 consecutive hours of Hospitalization is not eligible for hospitalization benefit except for diagnosis of COVID-19.
2) Hospitalization claim event cannot be within 15 days of a previous hospitalization date which resulted in claim event (proximity of claim) i.e from one hospitalization date to another hospitalization date there should be at least gap of 15 days.
3) Hospitalization primarily for diagnostic / Evaluative procedures where no active regular treatment is given by a doctor or hospitalization for such treatments or procedures customarily and usually performed by Medical Practitioners in the Out Patient Departments or clinics and casualty settings. For COVID-19 the diagnosis done at unauthorized testing centers or inconclusive medical report.
4) If you or the Nominee or anyone acting on your or their behalf advances any claim knowing the claim to be false, dishonest or fraudulent, then this Cover shall be void and any amounts paid or potentially payable under the Cover shall be forfeited.
Suicide Exclusion: This is not applicable under this policy.
Tailored for groups it stands as a group protection insurance. This group life insurance offers security for all.
Tailored to meet diverse healthcare needs, this corporate health plan ensures financial security during hospitalisation, disabilities, critical illnesses, and more!
IndiaFirst Group Term Plan provides comprehensive group protection with corporate term insurance, ensuring financial security.
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IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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12th and 13th Floor, North [C] wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400063.
IRDAI Information
IRDAI Regd. No. 143 | CIN: U66010MH2008PLC183679Trade logo displayed above belongs to one of our promoters and shareholders, Bank of Baroda and are used by IndiaFirst Life Insurance Company Limited under License.
For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale.
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