DHFL Pramerica Dengue Shield Plan is a traditional health plan with a fixed benefit. This plan has been designed specifically to protect policyholders against the financial impact of suffering from Dengue. This plan comes with 2 options:
- Individual Cover.
- Family Cover.
The individual plan covers only the Life Assured. But the Dengue Shield Plan can also be bought by a policyholder to cover up to 6 members of his/her family under the Family Cover option.
Eligibility - Who is the DHFL Pramerica Dengue Shield Plan for?
Anyone meeting the following age criteria can opt for the DHFL Pramerica Dengue Shield Plan:
|Minimum entry age
|Maximum entry age
Sum Assured and Premium Range - What you get and what it costs?
The Sum Assured and Premium Amount for the DHFL Pramerica Dengue Shield Plan are both fixed entities. Since this plan covers the financial fallout from Dengue only, there is no actual variation for individual requirement here.
|Premium Payment Terms
||Single Pay, Regular Pay
- For Single Pay:
- For SA Rs.25,000: Rs.1,550
- For SA Rs.40,000: Rs.2,100
- For SA Rs.50,000: Rs.2,475
- For Regular Pay:
- For SA Rs.25,000: Rs.415
- For SA Rs.40,000: Rs.550
- For SA Rs.50,000: Rs.650
||Monthly, Semi Annual and Annual
*Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.
There is one other factor that varies the amount of premium payable with DHFL Pramerica Dengue Shield Plan. Since this policy is also available as an online plan, we find that premium amounts paid online are significantly different than those paid for the policy acquired via regular channels:
Plan coverage - What the DHFL Pramerica Dengue Shield Plan covers?
DHFL Pramerica Dengue Shield Plan kicks in on indisputable diagnosis of Dengue fever (Dengue Haemorrhagic Fever and/or Dengue Shock Syndrome). The policyholder, or their family member get 100% of the chosen Sum Assured as benefits, if and only if all the below mentioned conditions are fulfilled:
- Platelet levels lower than 100,000 cells/mm3 and decreasing.
- Hematocrit level more than 20% of the higher end of the normal range, and increasing.
- Immunoglobulins/PCR test positive for Dengue.
- Certified diagnosis for Dengue Shock Syndrome and/or Dengue Haemorrhagic fever by a registered Medical Practitioner.
- A minimum of 48 hours of consecutive inpatient hospitalization care for medically necessary treatment.
Under this plan, “medically necessary treatment” of Dengue can be defined any tests, treatment, medication, or hospital stay which
- Is required for medical management of Dengue.
- Does not exceed the care level necessary to provide safe, appropriate, and adequate medical care in duration, scope, or intensity.
- Is prescribed by a certified Medical Practitioner.
- Conform to widely followed professional standards acceptable in international or Indian medical community.
Exclusions - What DHFL Pramerica Dengue Shield Plan doesn’t cover?
Dengue Shield Plan is not effective under the following conditions:
- For any treatment besides that for Dengue Shock Syndrome and/or Dengue Haemorrhagic Fever.
- For treatment that requires hospitalization of less than 48 hours, or that does not require hospitalization at all.
- For any diagnosis made and treatment pursued outside India.
- For diagnosis made by a Medical Practitioner not having the required qualifications to meet the definition of a certified Medical Practitioner.
- Any claim arising from diagnosis made during the 15-day waiting period.
Other key features – Freelook Period, Claim, Revival, etc.
Some other key features of DHFL Pramerica Dengue Shield Plan that benefits the policyholder are:
Premium Rebate: DHFL Pramerica offers a rebate of 5% on the premium paid in first policy year for Regular Pay, and 2% for Single Pay policies in case the policyholder is an existing customer, or if he/she opts for the Family Cover option.
Waiting Period: There is a waiting period of 15 days for the coverage to be effective from the day of policy commencement. During this period, no diagnosis of Dengue will be covered under this plan.
Policy Surrender: Policyholders buying a Single Pay plan are eligible to get a value on surrendering their policy. This value is equal to 50% of the Single Premium x number of unexpired coverage months/60.
Policy Revival: If a policy lapses, the policyholder can choose to revive the policy for up to 2 years from the date of the first unpaid premium, provided that they agree to pay all the outstanding premiums till date.
Grace period: Policyholders under Regular Pay get a grace period of 30 days from the date of premium due to pay off outstanding amount, failing which the policy lapses. If the policyholder gets diagnosed with Dengue during this grace period, the benefits of the policy are paid minus the outstanding premium amount.
Freelook Period: The policyholder gets a period of 15 days (30 days in case policy is bought via distance marketing) to look through the terms and conditions of the policy and return the policy if they disagree with any of them. DHFL Pramerica will refund the premium amount after deducting any expenses incurred on medical examination and/or stamp fee.
Tax Benefits – How you can save with the DHFL Pramerica Dengue Shield Plan?
Under the DHFL Pramerica Dengue Shield Plan, the policyholder can get tax benefits on the premiums paid under Section 80D of the Income Tax Act, 1961.
Other benefits – How you can save with the DHFL Pramerica Dengue Shield Plan?
There are several other benefits of purchasing endowment insurance plans from DHFL Pramerica Life Insurance Company Limited such as:
Customer care: For any life insurance related queries, you can call DHFL Pramerica Life Insurance Company Limited helpline at 1800 102 7070 (toll free), mail to firstname.lastname@example.org, visit the DHFL Pramerica website or SMS ‘Life’ to 5607070 or 9289207070.
Application status: You can also track your application status by entering your application number and personal details on the company website.
Premium calculator: The online premium calculator available on the company website can be used to accurately calculate how much premium you need to pay for your chosen policy.
SMS alerts: You can register for SMS alerts and get policy related information via SMS notifications. SMS POLINFO <9 digit policy number> to 5607070.
Claims: You can initiate claim registration online through the company website or contact the claims helpdesk at 0124 - 4697072 to check the status of your claim. Claims will be settled within 30 days.
Online premium payment: You can make premium payments online through the company website.
Why should you buy the Dengue Shield Plan from DHFL Pramerica Life Insurance?
DHFL Pramerica Life Insurance Company Limited is a joint venture between Dewan Housing Finance Corporation Ltd and Prudential International Insurance Holdings Ltd. Some of the features that make it a delight for its customers are: