इंडियाफर्स्ट लाईफ ग्रूप लिविंग बेनेफिट्स प्लान

(नॉन-लिंक्ड, नॉन-पार्टिसिपेटिंग, ग्रूप फिक्स्ड बेनेफिट हेल्थ इंश्युरन्स प्लान)

सादर आहे इंडियाफर्स्ट लाईफ ग्रूप लिविंग बेनेफिट्स प्लान, कॉर्पोरेशन्ससाठी एक व्यापक ग्रूप हेल्थ इंश्युरन्स सोल्युशन. वेगवेगळ्या आरोग्य सेवांच्या गरजा पूर्ण करण्यासाठी तयार केलेला, हा कॉर्पोरेट हेल्थ प्लान हॉस्पिटलायजेशन, फ्रॅक्चर्स, अपगंत्व आणि गंभीर आजारांच्या प्रसंगी आर्थिक सुरक्षिततेची खात्री करतो. ग्रूप हेल्थ प्लानसाठी इंडियाफर्स्ट निवडा जो तुमच्या कर्मचाऱ्याच्या जीवनाची सुरक्षा करतो.

व्यापक ग्रूप हेल्थ इंश्युरन्स
कॉर्पोरेटसाठी किफायतशीर हेल्थ कवरेज
ग्रूप हेल्थ इंश्युरन्ससाठी कोविड-19 संरक्षण
निश्चित लाभाचे आश्वासन
कर लाभ

माहितीपत्रक डाउनलोड करा

IRDAI Redg. No. 143 CIN U66010MH2008PLC183679 | UIN 143N040V01

इंडियाफर्स्ट लाईफ ग्रूप लिविंग बेनेफिट्स प्लान

ज्यांची तुम्ही खरोखर काळजी घेत आहात त्यांच्यासाठी व्यापक आरोग्यसेवा!

अधिक जाणून घ्या

आढावा
प्रमुख वैशिष्ट्ये
पात्रता निकष
ग्राहक अभिप्राय
वारंवार विचारले जाणारे प्रश्न

इंडियाफर्स्ट लाईफ ग्रूप लिविंग बेनेफिट्स प्लानच्या मुख्य विशेषता

6 हेल्थ कवर पर्याय

हा प्लान 6 सोयिस्कर कवर पर्याय देतो, ज्यामध्ये डेली हॉस्पिटलायजेशन कॅश, हाड तुटणे, अपंगत्व, कर्करोग, संसर्गजन्य आजार आणि कोरोनावायरस कवरचा समावेश आहे.

डेली हॉस्पिटलायजेशन कॅश बेनेफिट (डीएचसीबी)

हॉस्पिटलायजेशनसाठी डेली कॅश लाभ मिळवा, आयसीयू सुद्धा - प्रति वर्ष जास्तीत जास्त 60 दिवस.

ब्रोकन बोन्स कवर

अपघाती जखमेचे कवर पहिल्या दाव्यात विमा रकमेची 50% रक्कम आणि दुसऱ्या दाव्यात उर्वरित रक्कम देतो. पॉलिसी नूतनीकरणाच्या वेळी संपूर्ण कवर परत मिळवा.

डिसेबिलिटी कवर

हे अपघाती संपूर्ण कायमस्वरुपी अपंगत्व (एटीपीडी) किंवा अपघाती कायमस्वरुपी आंशिक अपंगत्व (एपीपीडी) विरुद्ध संरक्षण देते. हा लाभ फक्त एकदाच दिला जातो.

कँसर कवर

कर्करोजाचे निदान झाल्यावर सुरुवातीच्या टप्प्यात 20% कवर मिळवा, आणि 180 दिवसांनंतर पुढील टप्प्यावर 80% मिळवा. याचा फक्त एकदाच दावा केला जाऊ शकतो.

वेक्टर बॉर्न डिसिज कवर

हे मलेरिया, डेंग्यू, फायलेरियासिस, कालाझार, जपानी एन्सेफलायटीस किंवा चिकुनगुनिया चे निदान झाल्यावर निवडलेली विमा रक्कम देते.

कोरोनावायरस कवर

कोविड क्वारंटिनसाठी तुमच्या पहिल्या दाव्यावर 50% रोख मिळते, तर उर्वरित 50% दुसऱ्या दाव्यात मिळते. कृपया लक्षात घ्या कि यामध्ये घरात केलेल्या क्वारंटिनचा समावेश नाही.

पात्रता निकष

वय
ग्रूप साइज
प्रिमियम
विमा रक्कम

प्रवेशाच्या वेळी वय

Question

प्रवेशाच्या वेळी वय

Sequence

Answer

प्रवेशाच्या वेळी किमान वय

91 दिवस

प्रवेशाच्या वेळी कमाल वय

शेवटच्या जन्मदिवसानुसार 24 वर्षे

कवर बंद करण्याचे कमाल वय

शेवटच्या जन्मदिवसानुसार 25 वर्षे

Tags

ग्रूप साइज

Question

ग्रूप साइज

Sequence

Answer

किमान ग्रूप साइज

7 सदस्य

कमाल ग्रूप साइज

काही मर्यादा नाही

Tags

प्रिमियम

Question

प्रिमियम

Sequence

Answer

किमान वार्षिक प्रिमियम

₹ 100 वार्षिक

कमाल वार्षिक प्रिमियम

काही मर्यादा नाही

Tags

अपघाती आंशिक कायमस्वरुपी अपंगत्व

Question: अपघाती आंशिक कायमस्वरुपी अपंगत्व
Sequence
Answer: किमान विमा रक्कम (₹ मध्ये)

10,000

कमाल विमा रक्कम (₹ मध्ये)

1,00,000
Tags

डेली हॉस्पिटल कॅश बेनेफिट

Question

डेली हॉस्पिटल कॅश बेनेफिट

Sequence

Answer

किमान विमा रक्कम (₹ मध्ये)

1,000 प्रति दिवस

कमाल विमा रक्कम (₹ मध्ये)

10,000 प्रति दिवस

Tags

ब्रोकन बोन्स कवर

Question

ब्रोकन बोन्स कवर

Sequence

Answer

किमान विमा रक्कम (₹ मध्ये)

10,000

कमाल विमा रक्कम (₹ मध्ये)

1,00,000

Tags

अपघाती संपूर्ण कायमस्वरुपी अपंगत्व

Question

अपघाती संपूर्ण कायमस्वरुपी अपंगत्व

Sequence

Answer

किमान विमा रक्कम (₹ मध्ये)

10,000

कमाल विमा रक्कम (₹ मध्ये)

1,00,000

Tags

कँसर कवर

Question

कँसर कवर

Sequence

Answer

किमान विमा रक्कम (₹ मध्ये)

10,000

कमाल विमा रक्कम (₹ मध्ये)

50,00,000

Tags

वेक्टर बॉर्न डिसिज कवर

Question

वेक्टर बॉर्न डिसिज कवर

Sequence

Answer

किमान विमा रक्कम (₹ मध्ये)

5,000

कमाल विमा रक्कम (₹ मध्ये)

1,00,000

Tags

कोरोनावायरस कवर

Question

कोरोनावायरस कवर

Sequence

Answer

किमान विमा रक्कम (₹ मध्ये)

25,000

कमाल विमा रक्कम (₹ मध्ये)

2,00,000

Tags

इंडियाफर्स्ट लाईफमुळे लोकांना काय फायदा झाला आहे

उत्कृष्ट ग्राहक सेवा

पॉलिसीशी संबंधित सर्व तपशील संयमाने समजावून सांगण्यात आणि तुमच्या वेबसाइटवरून फॉर्म डाउनलोड करण्यात तुम्ही मला केलेली मदत प्रशंसनीय आहे.

विनय कुमार वर्मा

(मुंबई, 16 जून 2022)

इंडियाफर्स्ट लाईफमुळे लोकांना काय फायदा झाला आहे

उत्कृष्ट ग्राहक सेवा टीम

तुमची ग्राहक सेवा टीम उत्कृष्ट आहे. माझ्या एचआरकडे जमा करण्यासाठी मला इनवॉइस तातडीने पाहिजे होते, आणि आश्वासन दिल्याप्रमाणे तुमच्या टीमकडून मला दिलेल्या तारखेला माझे इनवॉइस मिळाले.

जतिन राव

(कर्नाटक, 7 मार्च 2022)

इंडियाफर्स्ट लाईफमुळे लोकांना काय फायदा झाला आहे

समस्या सोडवण्याचे उत्कृष्ट कौशल्य

इंडियाफर्स्ट लाईफ इन्शुरन्सची ग्राहक सेवा टीम उत्कृष्ट आहे. कर्मचारी ग्राहकांच्या समस्या समजून घेतात आणि ते खुपच सहकार्यपूर्ण आणि मदतशील आहेत.

झियाउद्दीन मलिक

(उत्तर प्रदेश, 4 मार्च 2022)

आम्ही कशी मदत करु शकतो?

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सामान्य

प्रिमियम आणि भरणा

दावा आणि लाभार्थी

What are the tax benefits under this Policy?

Answer: 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.

What happens in case of submission of information which is false or incorrect?

Answer

Fraud, Misrepresentation and forfeiture would be dealt with in accordance with provisions of Sec 45 of the Insurance Act 1938, as amended from time to time. Indisputability Clause: Extract of Section 45 of the Insurance Act 1938, as amended from time to time states

1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival ofthe policy or the date of the rider to the policy, whichever is later.

2) A policy of life insurance may be called in questionat any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival oft he policy or the date of the rider to the policy, whichever is later, on the ground of fraud: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.

3) Notwithstanding anything contained in sub-section (2), no insurer shall repudiate a life insurance policy on the ground of fraud if the insured can prove that the mis-statement of or suppression of a material fact was true to the best of his knowledge and belief or that there was no deliberate intention to suppress the fact or that such mis-statement of or suppression of a material fact are within the knowledge of the insurer: Provided that in case of fraud, the onus of disproving lies upon the beneficiaries, in case the policyholder is not alive.

4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, which ever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision to repudiate the policy of life insurance is based: Provided further that in case of repudiation of the policy on the ground of misstatement or suppression of a material fact, and not on the ground of fraud, the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees or assignees of the insured within a period of ninety days from the date of such repudiation.

5) Nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the Life Insured was incorrectly stated in the proposal.

What is the Waiting Period & Survival Period under this Policy?

Answer

Waiting period under different cover options is applicable as follows:

Cover Option/ Event Daily Hospitalization Cash Benefit (DHCB)	Waiting Period (in days) 30 (not applicable on hospitalization due to accident)
Broken Bones Cover	Not Applicable
Disability Cover	Not Applicable
Cancer Cover	180
Vector Borne Diseases Cover	30
Coronavirus Cover	15

Waiting Period is not applicable from second policy period onwards in case of continuous renewal of the policy.
For Cancer Cover option, Survival period of 5 days is applicable, i.e. for a claim to be eligible;the life insured should have survived for a period of 5 days from the date of diagnosis of Early/Advanced Stage Cancer.

You are prohibited from accepting rebate in any form

Answer

Prohibition of Rebate: Section 41 of the Insurance Act, 1938, as amended from time to time, states

1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person, to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.

2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

What are your options to revive the policy?

Answer: 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.

There is no revival in this fixed benefit health insurance policy as this is an yearly renewable product.

Can you cancel this policy (Free-look)?

Answer

You the Master Policyholder/Member can return this Policy Document if you disagree with any of the terms and conditions within the first 15 days for all channels except Distance Marketing or electronic mode where it is 30 days from receipt of your Policy Document / Certificate of Insurance. You are required to send us the Policy Document / Certificate of Insurance and a written request stating the reasons for cancellation. In case there is any claim paid out during this period, Master Policyholder/ Member shall not be eligible to free-lookthepolicy.

Do you get any refund when you cancel your policy?

Yes. We will refund an amount within 15 days of receipt of the request equal to the –
Premium paid
Less: i. Pro-rata risk premium and rider premium, if any for the time the policy was in force
Less ii. Any stamp duty paid
Less iii. Expenses incurred on medical examination, if any
Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes: (i) Voice mode, which includes telephone calling; (ii) Short Messaging service (SMS); (iii) Electronic mode which includes e-mail, internet and interactive television (DTH); (iv) Physical mode which includes direct postal mail and newspaper & magazine inserts; and, (v) Solicitation through any means of communication other than in person.

Is there a grace period for missed premiums in this policy?

Answer

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 the chosen benefit 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, wherever applicable.

In case of renewal of the policy 30 days grace period is allowed to the Master policyholder/member in force without loss of continuity benefits such as waiting periods. If a claim has occurred during this grace period (i.e the grace period between previous policy end date and renewal policy commencement date), then the chosen benefit will not be paid.

What is the surrender benefit payable under this Policy?

Answer: 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 period, the member shall get an option to continue the policy as an individual policy till their coverage is terminated as per Certificate of Insurance.

What is the maturity benefit payable under this Policy?

Answer: There is no maturity benefit payable under the policy.

What are the conditions under which the cover shall terminate?

Answer

By “terminal date” we mean the cover ceasing date. i.e. In case the member is not eligible for further coverage based on the scheme rules, the premium for that member will not be paid. Consequently, the cover will cease.

The insurance coverage will also cease at the earliest of:

Member with age 66 years as on last birthday for Cancer Cover & Coronavirus Cover and 80 years for other cover options
Termination of contract with the Master Policyholder and member does not wants to continue as individual member till end of term as per Certificate of Insurance
Non-payment of regular premium during the grace period
Occurrence of death of the member
DHCB for the child on attaining age 25 years

What is the death benefit in this Policy?

Answer: There is no death benefit payable on death of the member till the end of policy term or prior to terminal date. If death occurs before registering the claim for any benefit eligible as per the plan option chosen, then the same will be paid to the nominee/ appointee/ legal heir.

असे प्लॅन्स जे तुम्हाला आवडतील!

India First Life Group Living Benefits Plan

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Product Description: इंडियाफर्स्ट लाईफ ग्रुप लिव्हिंग बेनिफिट्स प्लान हा कार्पोरेशन्ससाठी एक विस्तृत सामुहिक हेल्थ इन्श्युरन्स समाधान आहे. आरोग्याच्या विविध गरजांसाठी तयार केलेला हा कार्पोरेट हेल्थ प्लान हॉस्पिटलमध्ये भरती होण्याच्या, फ्रॅक्चरच्या, अपंगत्वाच्या आणि गंभीर आजारांच्या स्थितीत आर्थिक सुरक्षेची शाश्वती देतो. तुमच्या कर्मचा-यांच्या जीवनाचे रक्षण करणा-या सामुहिक हेल्थ प्लानसाठी इंडियाफर्स्टची निवड करा.
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सामुहिक लाईफ इन्श्युरन्ससाठी कोविड-19 प्रोटेक्शन
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India First Life Pradhan Mantri Jeevan Jyoti BimaYojana

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Product Benefits: माफक खर्चात लाईफ कव्हर
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