Menu HEALTH KMD offers a range of health Insurance plans that provide quality cover and peace of mind. Individual Health Insurance Plans: Features: Wide range of plans to suit every budget and need. Policy on Individual or Family Floater basis. Sum Insured from Rs. 50,000 to Rs. 10 Lakhs Family discount No Claim Bonus on renewal No medical test upto 45 years Cover upto age 80 years Cashless Hospitalization Quick & efficient claims settlement (for reimbursement claims) Cover : Reimbursement of following expenses: Hospitalisation (due to illness or accidental injury) Room and board , Doctors fees, Intensive Care Unit, Nursing expenses, Surgical fees, operating theatre, anesthesia and oxygen and their administration, Physical therapy, Drugs and medicines consumed on the premises, Hospital miscellaneous services (such as laboratory, x-ray, diagnostic tests), Costs of prosthetic devices if implanted during a surgical procedure, Radiotherapy and chemotherapy Post-hospitalisation Expenses: upto 60/90 days Pre-hospitalisation Expenses: upto 30/60 days Day Care Expenses: for hospitalisation even less than 24 hours: close to 150 minor surgeries are covered under this benefit that require more than 2 hours, but less than 24 hours. Local Ambulance Services : in event of emergency General Health & Eye Examination: cumulates over 4 years Hospital Daily Cash: for incidental expenses Important Exclusions: Pre-existing conditions: This exclusion ceases if the Insured has maintained a health policy with insurance company for a consecutive 48 months period and no claim, care, treatment or advice has been recommended by or received from a Doctor in relation to such Pre-Existing Condition during that 48 months 30 day waiting period: except for accidents First Year Exclusions : Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Disease, Fistula in anus, Piles, Sinusitis and related disorders are excluded during the first year of insurance coverage Cosmetic Dental Treatment Maternity Costs incurred on all methods of treatment except Allopathic GROUP HEALTH INSURANCE PLANS Structured Group policies designed for Corporates to include: Coverage on family floater basis Company Floater Domiciliary Medical Expenses Dental Treatment expenses Maternity Expenses Pre-existing Diseases coverage from day 1 of cover Cashless hospitalization Built-in Critical Illness cover Hospital Cash Features: Wide range of solutions to suit every budget and need Simple enrollment process Sum Insured from Rs. 50,000 to Rs. 10,00,000 Cashless Hospitalization Quick & efficient claims settlement ( for Reimbursement claims) GROUP Critical Illness Covers employees against following 9 Critical illnesses : – Cancer – By Pass Surgery – Heart Attack – Kidney Failure – Major Organ Transplant – Stroke – Paralysis – End Stage Liver Disease – Heart Valve Replacement Surgery Sum Insured payable as Lump Sum benefit on Diagnosis. No waiting or surviving period. One Group Policy is issued to the Employer to cover all employees with minimum administration. Annual Premium is to be paid by the Employer at the inception of the policy. Premium for addition / deletion on monthly / quarterly basis. KMD Services Risk analysis and mitigating techniques : – Understanding the risk profile, – Analysing the specific needs of the customer, – Customising coverage to mitigate risk as well as to increase the benefits Structuring the insurance program : – Presenting the risk to underwriters – Customising – Negotiating (both in terms of costs and benefits) – Placement Program execution : – Smoothen implementation process to ensure minimum administrative hassles while taking costs and efficiencies into consideration. Program dynamics : – Pro-actively follow the developments to match your program to the market trends Claim servicing Renegotiation of renewal terms & conditions We are here to provide you with more information, answer any questions you have or create an effective solution for your insurance needs. SUBMIT K.M. Dastur Reinsurance Brokers Pvt. Ltd. Cambata Building, 42 Maharshi Karve Marg, Mumbai – 400020, MH, India Tel : +91 (0) 22 6617 9800 E-mail : enquiries@kmdastur.com KMD Group is an independent specialist reinsurance broking company, offering a range of services in risk management, through the arrangement and placement of insurance, traditional reinsurance and specialised risk transfer structures. Copyright 2021 - K. M. Dastur Reinsurance Brokers Pvt Ltd. All rights reserved.