“Welcome to Liczaroorihai – your one stop shop for all insurance and investment needs. For any assistance please call us on +91 9811328297”

Health insurance is an insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

The main purpose of medical insurance is to receive the best medical care without any strain on your finances. Health insurance plans offer protection against high medical costs. It covers hospitalization expenses, day care procedures, domiciliary expenses, and ambulance charges, besides many others.

Health insurance offers considerable flexibility in terms of disease / ailment coverage. For instance, certain health insurance plans cover as many as 30 critical illnesses and over 80 surgical procedures. The insurance plan disburses the payment towards surgery/illness regardless of actual medical expenses. The policy continues even after the benefit payment on selected illnesses.

With health insurance, you are assured of a more secure future both health-wise and money-wise. This makes health insurance policies critical for individuals, especially if they are responsible for the financial well-being of the family.

VALUE ADDED SERVICES:

Our Services ensure comfort, convenience, confidence and control to you in managing your wealth. You would enjoy being always updated of your investments, any time, anywhere.

We have partnered with Max Bupa Health Insurance to provide you with the best Health Insurance available in India.

Max Bupa provides the best services in terms of:

  • 1) Cash less insurance
  • 2) Comprehensive cover – 5 lacs to 2 Crore
  • 3) In house TPA – claims processing within 30 mins. Best in industry.
  • 4) All India coverage of more than 4500 hospitals.
  • 5) Life long renewability – Stay insured for life.
  • 6) Smart Top up options
  • 7) Refill Benefit and No claim bonus
  • 8) Critical care / Personal Accidental also available

The best plans are:

  • 1) Health Companion plan
  • 2) Heartbeat plan
  • 3) Health Premia plan
  • 4) Go-active plan
  • 5) Health Recharge – Super top up plan

Call us for a personalised health insurance plan +91 9811328297

Health Companion – A smart choice for smart customer

  • Coverage up to 1 Crore Sum Insured.
  • No Sublimit on room rent in any variant, any room type is allowed (except suite & above category)
  • 100% Refill benefit, even if you have exhausted partial/full base S.I.(except Family First)
  • Every claim free year adds up 20% of SI as Bonus. Maximum up to 100% of base SI.
  • Accumulated Bonus does not reduce even after claims. (Unique)
  • AYUSH treatment covered. Pre & post hospitalization also covered for the same.
  • Ambulance up to Rs. 3000/- Per Hospitalization.
  • Vaccination for Animal bite: ( between 5000/- 7500/- as per SI )
  • Adult Entry age 18, max entry age no limit. Child- 91days-21yrs, up to 2 Adults + 4
  • Children. Cashless approval in hospital within 30 min (No Third Party –TPA involvement).
  • All Day Care procedures are covered (we don’t have a list of Day Care).
  • Inpatient benefit covered up to SI.
  • Customers get Annual complimentary Health Check up in Variant 2 & 3 and Family First. Once in two years for variant 1.

Heartbeat – “Hard To Beat”

  • Coverage 5 L to 1 Crore with Adult Entry age 18 to 65 years, Child - 91 day - 21yrs.
  • Refill benefit – up to 100% of S.I for same & different illness as well. (except Family First)
  • Cashless Abroad Treatment for 9 Critical Illness *
  • Emergency Evacuation and Stabilization up to SI when outside India.*
  • Emergency Ambulance is covered up to SI for all network hospital treatment.
  • Emergency assistance services (within India) – covered up to sum insured
  • Maternity benefit is available after 2 years (Max. up to 2Lac.)
  • New born baby is covered from day 1 till policy year end without any extra premium.
  • Vaccination for the baby is covered till 12 years.*
  • Loyalty addition,10% Increase of SI each year(Max. up to 100%)
  • OPD benefit is available from 15k – 50k as per policy SI.*
  • Coverage for HIV / AIDS (sublimit – 50K)
  • Mental disorder treatment covered up to S.I (50K sublimit applicable to selected conditions)
  • Cashless approval in hospital within 30 min (No Third Party –TPA involvement).
  • 536 Day Care procedures are covered
  • Inpatient benefit covered up to SI. Any type of Room is allowed for Platinum customers
  • Preventive complimentary Health Check up
  • 60 Days pre & 90 Days post Hospitalization covered up to SI.
  • Premium waiver option offered in family floater and family first, once in lifetime of policy.

Health Rechagre

  • Coverage from 5 lac to 95 lac.
  • Inpatient benefit covered up to SI.
  • AYUSH treatment covered. Pre & post hospitalization also covered for the same.
  • No Sublimit on room rent , Single private room eligibility as room type.
  • Pre & post hospitalization covered for 60 and 90 days respectively, & covered up to sum insured.
  • Loyalty bonus will be added by 5% every year, Max. up to 50% of base SI, Irrespective of claim status.
  • All Day Care procedures are covered.
  • Ambulance up to Rs. 1500/- Per Hospitalization.
  • Coverage for HIV/AIDS, Mental illness, Artificial life maintenance & Modern day treatment
  • Adult Entry age 18, max entry age 65 yrs. Child- 91days-25yrs, Up to 2 A + 4 Child.
  • Cashless approval in hospital within 30 min (No Third Party –TPA involvement).
  • Unlimited e-consultation for normal day to day illnesses.
  • Organ transplant covered up to sum insured.
  • (optional) Personal accident cover provides 100% SI on accidental death & 125% of SI on Accidental total permanent disability
  • (optional) Critical illness cover provides 100% of SI on diagnosis of disease out of 20 critical illness.
  • Option to convert in a normal policy after 5 yrs and before age 50.

Health Premia – Your health deserves nothing less

  • First time in MBHI, International travel cover, over and above of base sum insured
  • Maximum Sum Insured up to 3 crores*
  • Refill upto100%, works on partial/full exhaustion of Sum Insured even for same/diff. illness (except Family First)
  • First time in MBHI, Bariatric, Robotic & Laser surgery covered
  • Health check up for every insured from day 1 of policy issuance.
  • Every year get 10% of SI as Bonus. Maximum up to 100%. (Optional cover to get 20% of SI as Bonus; max up to 200%)
  • In-patient treatment for mental illness & HIV coverage
  • Only 1 year specific waiting period (unique in SAHI)
  • Pre & Post hospitalization for 90 & 180 Days
  • Premium waiver benefit on death or diagnosis of any 9 specified illness.
  • 536 day Care covered & Alternative treatment covered up to sum insured
  • Maternity in India (for Silver, Gold, Platinum) as well as in abroad (for platinum only). Child care benefit also available including vaccination
  • Medical Emergency assistance service in India-(Emergency Evacuation, Compassionate visit,
  • Minor child benefit, Medical Referral, Medical Repatriation, Medical Referral, Mortal remains)
  • OPD benefit of up to 50000 Rs. in Platinum; 80% carry forward of unutilized amount (max 2.5 times of OPD benefit limit)
  • Worldwide Second Medical opinion available*
  • Planned Cashless treatments of 9 specified illness in abroad*
  • Pharmacy & diagnostic facility available
  • Unlimited E-consultation available
  • Multi year options with 7.5% discount on 2nd years premium, 15% discount on 3rd years premium

Health Assurance – Triple layered advantage of 3 unique cover

HA covers three different benefits – AccidentCare, CritiCare & HospiCash.

Accident Care covers:-

  • Accidental death benefit up to 100% of chosen sum assured ( 5 lac to 5 Cr.)
  • Accidental permanent total disability (PTD) – 125% of chosen sum assured
  • Accidental permanent partial disability (PPD) – 1% to 100% of sum assured
  • Child education benefit up to Rs. 5 lac per child ( Max. 2 children)
  • Funeral expenses covered up to Rs. 5000 or Rs. 50000 depend on chosen SA
  • (Optional) Temporary total disability (TTD) – 1% of TTD Sum assured (10 lac & 20 lac) payable per week. Such weekly payout shall be made for a maximum of 100 weeks
  • (Optional) Accidental Hospitalization - 2% of AccidentCare sum assured

CritiCare covers:-

  • Covers 20 major critical illness
  • SA option available from 3 lac to 2 Cr.
  • Payment option 1 ( lump sum payment of 100% of SA), option 2 (Lump sum equal to 100% of Sum assured + Staggered payout equal to 10% of Sum assured p.a. subsequently as Income for 5 years

Hospicash

Daily cash benefit up to (Rs. 1000 / 2000 / 3000 / 4000) max up to 45 days of hospitalization.

Health Pulse– A plan that is easy on pocket & good for health

  • Sum insured options ( Classic - 3 lac, 4 lac, & 5 lac; Enhanced – Up to 25 lac)
  • Inpatient benefit covered up to SI.
  • AYUSH treatment covered. Pre & post hospitalization also covered for the same.
  • 1% of S.I for 3 & 4 lac. For 5 lac and above, No Sublimit on room rent , Single private room eligibility.
  • Pre & post hospitalization covered for 30 and 60 days respectively, & covered up to sum insured.
  • No claim bonus 10% for every claim free year, ( optional NCB 20% which goes max up to 200%)
  • 536 Day Care procedures are covered.
  • Ambulance up to Rs. 2000/- Per Hospitalization.
  • Adult Entry age 18, max entry age 65 yrs. Child- 91days-25yrs, Up to 2 A + 4 Child.
  • Cashless approval in hospital within 30 min (No Third Party –TPA involvement).
  • Coverage for Mental order and HIV AIDS too, subject to limits specified in T&C
  • Refill benefit up to 100% of base sum insured ( optional Refill up to 150% of base sum insured)
  • Organ transplant covered up to sum insured.
  • (optional) Personal accident cover provides 100% SI on accidental death & 125% of SI on Accidental total permanent disability
  • (optional) Critical illness cover provides 100% of SI on diagnosis of disease out of 20 critical illness.
  • (optional) Hospital cash cover, unlimited e-consultation benefits