HEALTH FOREVER INSURANCE

Comprehensive Health Insurance For Your Family.
Comprehensive Health Insurance For Your Family.

Health Forever Insurance is a comprehensive Healthcare Insurance package brought to you by Citibank through Royal Sundaram General Insurance Company.

This plan offers additional benefits compared to a standard Mediclaim policy and requires no medical examination for up to 60 years of age to apply. It provides comfort of lifelong renewal.

Health Forever Insurance

Health Forever Insurance

Health Forever Insurance is a comprehensive Healthcare Insurance package brought to you by Citibank through Royal Sundaram General Insurance Company.

This plan offers additional benefits compared to a standard Mediclaim policy and requires no medical examination for up to 60 years of age to apply. It provides comfort of lifelong renewal.

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Benefits

All your related expenses for up to 30 days before and up to 60 days after hospitalisation are reimbursed under Health Forever Insurance. Please note that these expenses must be related to the condition for which you are hospitalised & the claim for hospitalisation is found admissible.

Health Forever Insurance pays you Rs.150 for each day of hospitalisation to cover incidental expenses like transportation, food etc., irrespective of the amount you actually spend, which is normally not covered under Standard Health Insurance policy. This benefit is payable for a maximum of 10 days of hospitalisation.

After a long period of hospitalisation, you may not be able to get back to work quickly and will need some extra funds to take care of household expenses. Health Forever Insurance pays you a lump sum convalescence benefit of Rs.15,000 in case your period of hospitalisation exceeds 15 days. This benefit is over and above the hospitalisation expenses.

If the period of hospitalisation exceeds 7 days in an ICU at a Hospital / Nursing Home with a minimum of 300 beds, a lump sum recovery benefit of Rs.10,000/- is payable.

Certain medical procedures do not call for long periods of hospitalisation. Health Forever Insurance pays for expenses towards cataract, tonsillectomy, eye surgeries, lithotripsy (kidney stone removal) and D&C procedures. Cataract operations are covered from the 2nd year and up to a limit of Rs.7,500.

Your Health Forever Insurance policy can be renewed automatically every year through standing instructions for payments to be made with your Citibank Credit Card / Citibank Account.

You can make a claim under your Health Forever Insurance coverage in two ways:

  • Get admitted to a hospital that is part of the Health Forever Insurance network, call the 24-hours toll free helpline (1800-345-33-22) and take an authorisation at least 72-hours in advance. Thus you can avail of Health Forever Insurance Cashless hospitalisation benefit. Royal Sundaram General Insurance Company will settle the bills directly with the hospital. In case of an emergency hospitalisation, call TPA within 48-hours after being admitted to take the authorisation
  • If you are admitted in any other hospital, send all your bills along with supporting documentation to Royal Sundaram General Insurance Company. You will be reimbursed, if the claim is found to be admissible as per the policy Terms and conditions.
  • Should you wish to cancel your Health Forever Insurance coverage, you can call 24-hours CitiPhone or write to Citibank.
  • You can also contact Royal Sundaram General Insurance Company through the contact details mentioned in the attached brochure.

Health Forever Insurance covers you every time, where your hospitalisation period exceeds 24-hours.On signing up, you will receive a personal Health Card that provides you to access the cashless facility in 3000 network hospitals across 66 cities in India.

This facility, available subject to conditions, enables you to undergo treatment in any of these hospitals and walk out without paying your bills. Simply call the 24-hours TPA Toll free helpline 1800-345-3322 and take an authorisation. Royal Sundaram General Insurance Company will settle all bills directly with the hospital.

No Medical Examination till 60 years of age.

In case of a stroke, or if you are diagnosed with cancer or need to undergo coronary bypass surgery or an organ transplant surgery, Health Forever Insurance pays you a lump sum of Rs.15,000. This benefit is available from the 2nd year of your policy and is payable once in a policy year. This benefit is over and above the hospitalisation expenses.

You can avail of tax exemption up to Rs.55,000 Under Sec 80D on the premium paid by you towards Health Forever Insurance. (Premium paid on behalf of yourself, your spouse, your dependent children is exempt up to Rs.25,000. Premium paid on behalf of your dependent parents is exempt up to an additional Rs.25,000 and if dependent parents are senior citizens the benefit is extended up to Rs.30,000). This is as per the current tax laws and is subject to change as per amendments made from time to time.

#The above exemption is as per the Income Tax Act 1961 and is subject to change as per amendments made from time to time.

  • This plan at inception, has a free look period of 15 days from the date of receipt of policy. On review of the policy Terms and conditions, If you are not satisfied with this plan, then you can cancel your plan within this 15 days free look period. You shall be eligible for a refund premium, after deducting applicable risk premium, less the cost of medical examination incurred by the Company and stamp duty charges, where applicable, provided your intimation of cancellation reach us within the free look period. Your policy documents will reach you within 15 days from the date of debit of your card / account.
  • In case you cancel your coverage after the free look period, refund of premium shall be as per the short period rates mentioned in the policy.
Eligibility Criteria
  • Citibank customers and their family members.
  • Entry age - 91 days to 75 years.
  • For age above 60 years, customer needs to go for medicals.
  • Renewals are available for life long.
  • Enjoy up to Rs2,500 Bonus Reward Points* on your first spend with the Citibank Rewards Card.
  • IndianOil Citibank Platinum Credit Card.

Disclaimers:

Insurance products are obligations only of the Insurance company. They are not bank deposits or obligations of or guaranteed by Citibank N.A, Citigroup Inc or any of its affiliates or subsidiaries or any Governmental agency. All claims under the policy will be solely decided upon by the Insurance Company. Citibank, Citigroup or any of their affiliates and group entities hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to US persons and may not be available in all jurisdictions.

Participation by the bank's customers in an insurance product is purely on a voluntary basis.

*IRS Circular 230 Disclosure: Citigroup, Inc., its affiliates, and its employees are not in the business of providing tax or legal advice to any taxpayer outside of Citigroup, Inc. and its affiliates. This document is not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax benefits are subject to changes in the tax laws. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Citibank N.A. is a registered Corporate Agent of Tata AIA Life Insurance Company Limited, New India Assurance Company Limited, Royal Sundaram General Insurance Company Limited and Apollo Munich Health Insurance Company Limited under the composite license number CA0086 issued by IRDAI.

Life Insurance Policies: These policies are underwritten by Tata AIA Life Insurance Co. Limited (IRDAI Registration No. 110)
CIN: U66010MH2000PLC128403 with its registered office at 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg,
Lower Parel, Mumbai 400013.

All guaranteed benefits are payable only when all premiums are paid when due.

Investment risk in the investment portfolio is borne by the Policy Holder. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associate with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision. Tata AIA Life is only the name of the Insurance Company and the funds offered are only the names of the funds and does not in any way indicate the quality of the contract, its future prospects or returns.

Non-life Insurance Policies:

Policies are underwritten by New India Assurance Company Limited (IRDAI Registration No. 190) CIN: U99999MH1919GOI000526 with its registered office at No.87, Mahatma Gandhi Road, Fort, Mumbai – 400 001 or by Royal Sundaram General Insurance Company Limited (IRDAI Registration No. 102) CIN:U67200TN2000PLC045611 with its registered office at No. 21, Patullos Road,
Chennai 600 002.

Specialist Health Insurance Policies: These policies are underwritten by Apollo Munich Health Insurance Co. Limited
(IRDAI Registration No. 131) CIN: U66030AP2006PLC051760 with its registered office at Apollo Hospitals Complex, Jubilee Hills, Hyderabad - 33.

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sale.

For any queries with respect to your Insurance Policies bought through Citibank N.A., kindly contact 24 x 7 CitiPhone, The updated numbers are available on www.citibank.co.in

SECTION 41 OF THE INSURANCE ACT 1938 PROHIBITION OF REBATES
  1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out 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 prospectus or tables of the Insurer.
  2. Any person making default in complying with the provisions of this section shall be liable for penalty which may extend to
    ten lakh rupees.