Aman Insurance

We understand that you want the best of everything for your loved ones and yourself, then why compromise on your health insurance cover? Presenting a unique health insurance program that offers you a comprehensive cover while you visit India on your annual vacation or otherwise.

And that's not all, the product guarantees you a continued health insurance cover, as and when you decide to permanently shift back to India, with continued cover for your pre-existing conditions and a higher sum insured

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Scenario 1

Mr. Kumar, a non resident Indian, working in, UAE was covered under the health policy provided by his employer. When he returned to India , he was able to buy a new health insurance policy, but that did not cover him for his pre existing conditions. Mr. Kumar was already suffering from pancreatic disease, and it relapsed. His new policy did not pay for the treatment as it was classified under Pre-existing condition. Had

he taken Health on Return policy he would have got the benefit of continued cover for pre existing conditions on the new health insurance cover provided by ICICI Lombard General Insurance Company in India.

Scenario 2

Mr. Hassan was recommended hospitalisation for his cardiac condition. As his family is based in India, he wanted to have his treatment under the care of his family. With Health On Return, he could avail treatment in India. Had he taken any normal health insurance policy in UAE, he would have had to pay these expenses out of his own pocket.

What this Policy Covers

Comprehensive Health Insurance - covers hospitalization expenses due to illness or accident*
Covers expenses incurred upto 30 day prior and 60 days post discharge from hospital
Covers 150 named Day-care and technologically advanced treatments that do not require 24 hour hospitalisation
Pre Existing Diseases (PED) covered after 2nd year continuity benefit available when you move back to India
Cashless hospitalisation benefits at over 4000 best in class hospitals and nursing homes in India
All the above mentioned covers are available in India only

*For a maximum of 45 days during policy period, No sub-limits**
** For Cataract a sub-limit of INR 20,000 per eye is applicable

Continuity Benefits

We have a tie-up with ICICI Lombard General Insurance Company Limited to provide you continuity benefits in India:
Health on Return Policy should be bought for continuous 2 years before getting continuity benefits.

Eligibility

Applicant / Proposer should be NRI / PIO residing in UAE
Entry Age: 6 - 65 years
Maximum age of renewal - 75 years
Medical check-up required above 50 years
Policy tenure - 1 year renewal able
The Proposer needs to be aged 18 years or above

Premium Chart

Sum Insured - INR 200,000

Sr. No.	Age Group	Premium
1	6 yrs - 25 yrs	205
2	26 yrs - 35 yrs	232
3	36 yrs - 45 yrs	310
4	46 yrs - 55 yrs	587
5	56 yrs to 60 yrs	703
6	61 yrs to 65 yrs	843

Claim Process for Hospitalisation

The claims in India will be serviced by ICICI Lombard Health Care, an in-house health claim processing and wellness management centre of our reinsurer ICICI Lombard GIC Ltd. India.

Cashless hospitalisation: The insured(NRI/PIO) in UAE for the planned treatment in India has to place a pre-authorisation request at the toll free no. 800 4998

Emergency hospitalisation: In case of emergency hospitalisation, the insured needs to submit the below mentioned documents at the address given;

Standard list of documents

Claim form duly filled & signed by the insured & doctor
Original discharge card/summary and final bill
All investigation reports in originals
All medicines /lab/ hospital bill in original
All payment receipts in original and should be stamped
Any other required documents depending upon the case

Please Note: Cashless Approval is subject to pre-authorisation by AMAN Insurance Company. Only expenses relating to hospitalisation will be reimbursed as per the policy coverage. Non-medical expenses will not be reimbursed.

What this Policy does not Cover

Any illness / disease / injury pre-existing before the inception of the policy for the first 2 years
Non-allopathic treatment, Pregnancy & Childbirth-related diseases, cosmetic, aesthetic and obesity-related treatment
Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
Medical expenses incurred during the first 30 days of inception of the policy, except those arising out of accidents. This exclusion doesn't apply for subsequent renewals without a break.
Congenital disease
War, riot, strike, nuclear weapons induced hospitalization

Certain ailments are not Covered in the first two years but covered subsequently. They include

Benign Prostatic Hypertrophy
Myomectomy, Hysterectomy unless because of malignancy
All types of Hernia, Hydrocele
Fissures &/or Fistula in anus, hemorrhoids/piles
Arthritis, gout, rheumatism and spinal disorders
Joint replacements unless due to accident
Sinusitis and related disorders
Stones in the urinary and biliary systems
Dilatation and curettage , Endometriosis
All types of Skin and internal tumors/ cysts/nodules/ polyps
of any kind including breast lumps unless malignant
Dialysis required for chronic renal failure
Surgery on tonsils, adenoids and sinuses
Gastric and Duodenal erosions & ulcers
Deviated Nasal Septum
Varicose Veins/ Varicose Ulcers

Note
The product brochure gives the salient features of the policy only. For further details on all conditions and exclusions please contact our office

“This insurance covers secondary medical treatment in India from the date of inception. After two continuous years of coverage, the insured member becomes eligible for ‘Continuity benefits' to avail of insurance protection in India, provided by, ICICI Lombard General Insurance Company Limited India.”

For full information on terms and conditions of insurance, please refer to the policy wording or contact with our technical team by email info@aman.ae

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