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Rishtey

Your family means the world to you, and you want the best for them. When it comes to healthcare, you would not settle for anything but the best. Access to high quality healthcare that is affordable remains a challenge - we at Aman, understand this and present you a unique health insurance program- "Rishtey" that offers comprehensive health insurance cover for your loved ones in India. Our documentation is simple and uncomplicated and your interaction with us is always an enjoyable experience. This brochure will help you discover the many benefits of opting for Rishtey

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Basic features for dependants in India

  • Comprehensive individual health insurance for treatment in India only
  • Covers medical expenses incurred in India on Hospitalisation due to illness or accident
  • Expenses incurred prior to hospitalization up to 30 days
  • Expenses incurred post discharge from hospital up to 60 days
  • Covers 150 named technologically advanced Day-care treatments that do not require 24 hours hospitalisation
  • Covers all pre-existing diseases after two years of continuous coverage
  • Special daily nursing allowance INR 500 per day for a maximum of 10 days
  • Cashless hospitalisation benefits in over 4000 best in class hospitals and clinics in India

Special cover for NRI/PIO

  • Free health check-up on visit to India (once in the policy year)
  • Return air fare upto INR 20,000 to visit the dependant (Insured) in India in the event of medical emergency (20% co-payment)
  • Worldwide Personal Accident cover - Sum Insured INR 2,00,000
  • Accidental Death
  • Permanent Total Disablement (PTD) arising out of accident

Health Check

A free health check* for NRI / PIO in India covering tests like fasting blood sugar, ECG, routine urine analysis, ESR, blood count, routine urine check-up, lipid profile, liver function test, xray chest. The health check up coupon is provided with the policy documents.

*Valid for the policy period, for NRI/PIO only

No Sub-limits*

Treatment amount covered without any specific Sub-limits on room rent, doctor's fee, investigations and medicines.

*For cataract a Sub-limit of INR 20,000 per eye is applicable

Eligibility Conditions

  • Applicant / Proposer can be NRI / PIO residing in UAE only
  • Insured person (on Individual basis) can be
  • Dependants of the NRI / PIO, living in India - Spouse, Dependant children, Parents, Parents in law, Sibling
  • Minimum age at entry - 3 months (children between the age of 3 months to 5 years to be covered along with adult only)
  • Maximum entry age - 65 years
  • The proposer need to be aged 18 years or above
  • Maximum age of renewal - The policy can be renewed up to maximum age of 80 years
  • Individuals proposed for insurance whose age is above 45 years have to undergo medical test at the designated centers
  • Policy Tenure : 1 year

Plans available

Coverage Details

Plan 1 (SI - INR 400,000)

Plan 2 (SI - INR 300,000)

Dependant residing in India

Hospitalization due to illness and accident

Yes

Yes

Pre hospitalization upto 30 days

Yes

Yes

Post hospitalization upto 60 days

Yes

Yes

150 Named days care surgeries and procedures

Yes

Yes

Nursing daily allowance upto 10 days

Yes

Yes

Cover pre-existing diseases after 2nd year

Yes

Yes

Cover for NRI/PIO

Return air fare to India - Available to proposer(NRI/PIO) only to visit his/her dependants in India and where insured person was Indian resident

Yes

No

Free Health check up in India

Yes

No

Worldwide personal accident

Yes

No

Premium Chart

Age Group

Premium in AED for Plan 1
(SI - INR 400,000)

Premium in AED for Plan 2
(SI - INR 300,000)

3 months to 45 yrs

674

379

46 yrs to 55 yrs

1095

673

56 yrs to 60 yrs

1376

955

60 yrs to 65 yrs

1867

1333

Claim Process during Hospitalisation

Insured in India - 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 General Insurance Company Limited. India. In case of an emergency or planned hospitalisation, all you have to do is use your Health ID card at ICICI Lombard Health Care network hospitals and avail cashless service. Call the 24-hour-toll-free number mentioned on your health card. For treatment in non-network hospitals, the claim form

should be filled fully after discharge from the hospital and sent to an ICICI Lombard Health Care office in India along with following documents in original.

Standard list of documents required

  • Claim form duly filled and signed by the insured and 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 the company.
  • *Only expenses relating to hospitalisation will be reimbursed as per the policy coverage. Non-medical expenses will not be reimbursed.

Claim process for PA Cover (For NRI / PIO)

Lodge the claim at our office in UAE within 60 days. Proposer or nominee, as the case may be, will need to mail all documents to us, within 60 days of the date of event, a detailed statement in writing as per the claim form, and any other material particular, relevant to the making of such claim.

In case of Permanent Total Disability

  • Standard List of documents
  • Policy Copy
  • Claim form duly filled and signed by nominee
  • Medical bills
  • Disability certificate
  • Medical report
  • Any other document

In case of Death

  • The nominee shall be required to furnish the following for or in support of a claim:
  • Standard list of documents
  • Policy Copy
  • Claim form duly filled and signed by nominee
  • Post Mortem report (certified copies) - as applicable
  • Death report (in original or certified copies)
  • Death certificate (in original or certified copy)
  • Any other document as may be required by the company

What this policy does not cover

  • Any pre-existing illness / disease / injury before the inception of the policy, for the first two years.
  • Non-allopathic treatment, pregnancy and 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
  • Any medical expense incurred during the first 30 days of inception of the policy, except accidents.
  • Congenital disease
  • War, riot, strike, nuclear weapons induced hospitalization

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

  • Cataract
  • Benign Prostatic Hypertrophy
  • Myomectomy, Hystetrectomy unless because of malignancy
  • Hernia, Hydrocele
  • Fistula in anus, Piles
  • Arthritis, Gout, Rheumatism
  • Joint replacements unless due to accident
  • Sinusitis and related disorders
  • Stones in the urinary and biliary systems
  • Dilatation and Curettage
  • Skin and all internal Tumors / Cysts / Nodules / Polyps of any kind including breast lumps unless malignant / adenoids and hemorrhoids
  • Dialysis required for chronic renal failure
  • Surgery on Tonsils and Sinuses
  • Gastric and Duodenal ulcers

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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