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Jan 7, 2009

ICICI Prudential Life Insurance Launched New Product

As part of meeting specific needs of consumers, ICICI Prudential Life Insurance on Monday launched a new product to help them meet current health care expenses and also invest for future health care. The 'Health Saver' is claimed to be the first of its kind reimbursement-based hospitalisation cover, with the benefit of a health savings fund, Mr Minoo Ratan Sinha, Assistant Vice President of the company told reporters here.

The product was designed to enable consumers cope with the ever rising cost of healthcare and allowed claims against out-patient treatment, diagnostics and dental care amongst others after three years, Mr Sinha said. On key benefits, Mr Sinha said that Health Saver has the guaranteed coverage up to age 75 for the person and his family against medical expenses incurred due to hospitalisation and also coverage against pre-existing illness and conditions after two years subject to acceptance of the company.

This is the only health savings product offering tax benefits under section 80D on the entire premium paid, he said Stating that customers could select annual hospitalisation cover limit for the family and a suitable premium, he said the product provided comprehensive cover by allowing reimbursement for health expenses not covered by the hospitalisation benefit after three years.

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