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Critical Illness Insurance

Critical Illness Insurance

Liberty General’s Critical Connect Insurance: Protect Yourself and Your Family from 60 of Life’s Unpleasant Surprises

“As a medical doctor, I can repair a man physically. But only an insurer can repair a patient’s finances.” — Dr. Marius Barnard, Inventor of Critical Illness Insurance

Life is full of surprises, and some can be rather unpleasant. Instead of worrying about the future, you and your family need to be prepared. Some of these unpleasant experiences include critical illnesses. Whether it’s a cardiac arrest, cancer or HIV, these diseases affect families physically, emotionally and financially. Also, conventional health insurance policies though useful to pay for your hospitalisation, will not give the much-needed cushion of financial stability.

If you or a family member is diagnosed with a life-threatening illness, you’ll need to rope in as much physical and emotional support from those around you. To take care of finances, you can rely on Liberty General Insurance. Yes, Liberty General’s Critical Connect Cover helps you pull through even the most severe diagnoses. If you haven’t thought of buying a critical illness insurance policy yet, there are about one crore reasons to get one. Here are a few compelling ones to be financially prepared.

Why Choose Critical Illness Insurance?

You can apply for a Critical Connect insurance policy from Liberty General of anywhere between Rs. 1 lakh to 1 crore. Here the reasons why you need to act now:

  • To Cover Costs of the Treatment

    Critical illness diagnosis and treatment is expensive. With a good critical illness plan, it becomes easier to manage exponential hospitalisation, consultation and medical costs.

  • To Make Up for Loss of Income

    A life-threatening illness entails countless visits to doctors’ clinics, hospital stay from time to even and much more. It also makes you incapable of being physically fit to work. In such situations, you may have to slow down or even take a career break. If you’re insured against critical illnesses, you can expect a full and fixed payout to cover for your loss of regular income.

  • To Support Other Monthly Outgoings

    Apart from your regular income, you may also be making loan payments. The fixed payout of a critical insurance policy offers coverage for other monthly outgoings like EMIs.

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Types of Plans

At Liberty General Insurance, you can choose from two types of Critical Connect plans. Here they are:

Critical Illness Plan A

In Critical Illness Plan A, you can choose your required Critical Illness Bundles 9, 25, or 43 critical diseases.

Sum Insured: Rs. 1 lac to Rs. 1 crore

Essential Features:

  1. Flexi Policy Term: Choose a policy term of 1, 2 and 3 years

  2. Age Eligibility: You have to be between 18 and 65 years to apply for Liberty General’s Critical Connect. Your children are included only if you are a policyholder. Their ages must be between 5 and 25 years. If you’re applying for a policy for your parents, they need to be under 65 years (at the time of application) to become eligible.

  3. Renewability: Lifelong

  4. Relationships Covered: Self, spouse, children, parents, parents-in-law, siblings, sons-in-law, daughters-in-law, grandchildren, and grandparents

Sr. No Benefit Parameter / Limits
1 Payment of the Benefit Amount for an Insured Condition Lump sum as per one of the listed conditions if it occurs during the policy period as a first incidence and the insured survives the defined survival period of 30 days.
2 Continuation for Second and Third Events (for Plan A) - Under any of plan A cover, we will pay a lump-sum benefit for any listed condition corresponding to selected cover and provided it occurs as a first incidence, and the insured has survived the defined survival period.

After one claim is paid, we will continue to provide coverage, subject to the following:

1. The policy is renewed, and the second or third event has occurred during the policy period and is unrelated to previous conditions
2. A 24-month waiting period will apply between the occurrences of each condition

Critical Illness Plan B

In this plan, you can opt for disease-specific bundles like Heart Protect, Cancer Protect, Renoliv Protect, Brain Protect and others.

Sum Insured: From Rs. 1 lac to Rs. 1 crore

Essential Features:

  1. Flexi Policy Term: Choose a policy term of 1, 2 and 3 years

  2. Age Eligibility:You have to be between 18 and 65 years to apply for Liberty General’s Critical Connect. Your children are included only if you are a policyholder. Their ages must be between 5 and 25 years. If you’re applying for a policy for your parents, they need to be under 65 years (at the time of application) to become eligible.

  3. Renewability: Lifelong

  4. Relationships Covered: Self, spouse, children, parents, parents-in-law, siblings, sons-in-law, daughters-in-law, grandchildren, and grandparents.

Sr. No Benefit Parameter / Limits
1 Multiple Claims up to Sum Insured Amount (for Plan B) A lump sum that is a percentage of the amount insured, based on whether a condition is a ‘major condition’ or ‘minor condition’ as per the listed condition.
1.1 Major Conditions 100%
1.2 Minor Conditions 25%
1.3 Another major condition after the minor condition 75%
1.4 Under Heart and Cancer Protect cover (multiple claims allowed until the total payout is exhausted) Up to 100%

Diseases Covered

The Critical Connect policy from Liberty General Insurance covers 60 critical illnesses. This is the most extensive coverage you’ll find among all the leading health insurance providers. Here are some of the diseases for which you can get coverage. This list will help you decide the appropriate Critical Connect Plan you must choose:

CI. No. Plan Plan Name Critical Illnesses
1 A, B 9, 25, 43, Cancer Protect Cancer of Specified Severity
2 A 9, 25, 43 Major Organ / Bone Marrow Transplant
3 A, B 9, 25, 43, RenoLiv Protect Kidney failure requiring regular dialysis
4 A, B 9, 25, 43, Heart Protect Myocardial Infarction (First Heart Attack of Specified Severity)
5 A, B 9, 25, 43, Brain Protect Stroke Resulting in Permanent Symptoms
6 A, B 25, 43, Brain Protect Coma of Specified Severity
7 A, B 9, 25, 43, Brain Protect Permanent Paralysis of tdmbs
8 A, B 9, 25, 43, Heart Protect Open Chest CABG / Coronary Artery Bypass Surgery
9 A, B 9, 25, 43, Brain Protect Multiple Sclerosis with Persisting Symptoms
10 A 25, 43 Third-degree burns
11 A, B 25, 43, Heart Protect Open Heart Replacement or Repair of Heart Valves
12 A, B 25, 43, Brain Protect Benign Brain Tumor
13 A, B 9, 25, 43, Heart Protect Surgery to Aorta / Aorta Graft Surgery
14 A 25, 43 Parkinson’s Disease
15 A 25, 43 Alzheimer’s Disease
16 A, B 25, 43, RenoLiv Protect
17 A 43 Blindness
18 A 25, 43 Deafness
19 A, B 25, 43, Heart Protect Primary (Idiopathic) Pulmonary Hypertension
20 A, B 25, 43, Brain Protect Motor Neurone Disease with Permanent Symptoms
21 A 25, 43 Loss of Speech
22 A 43 Aplastic Anaemia
23 A 43 End-Stage Lung Failure
24 A, B 43, Brain Protect Bacterial Meningitis
25 A, B 43, Heart Protect Cardiomyopathy
26 A 43 Major Head Trauma
27 A 43 Fulminant viral hepatitis
28 A 25, 43 Muscular Dystrophy
29 A, B 43, Brain Protect Apallic Syndrome
30 A 25, 43 Systemic Lupus Erythematosis
31 A, B 43, Brain Protect Brain Surgery
32 A, B 25, 43, RenoLiv Protect Medullary Cystic Disease
33 A, B 25, 43, Heart Protect Pulmonary Artery Graft Surgery
34 A 43 Goodpasture’s Syndrome
35 A 43 Multiple System Atrophy
36 A 43 Progressive Scleroderma
37 A 25 Pneumonectomy
38 A, B 43, Brain Protect Progressive Supranuclear Palsy
39 A, B 43, Brain Protect Creutzfeldt Jakob Disease (CJD)
40 A, B 43, Brain Protect Encephalitis
41 A 43 Loss of Limbs
42 B Heart Protect Angioplasty
43 A 43 Pneumonectomy
44 A, B 43, RenoLiv Protect Pulmonary-Renal Syndrome
45 A 43 Severe Rheumatoid Arthritis
46 B Heart Protect Heart Transplant
47 B Heart Protect Balloon Valvotomy or Valvuloplasty
48 B Heart Protect Carotid Artery Surgery
49 B Heart Protect Implantable Cardioverter Defibrillator
50 B Heart Protect Implantation of Pacemaker of Heart
51 B Heart Protect Infective Endocarditis
52 B Heart Protect Minimally Invasive Surgery of Aorta
53 B Heart Protect Pericardiectomy
54 B Heart Protect Pulmonary Thromboembolism
55 B Heart Protect Surgery for Cardiac Arrhythmia
56 B Heart Protect Surgery to Place Ventricular Assist Devices or Total Artificial Hearts
57 B Cancer Protect Early-Stage Cancers
58 B Cancer Protect Carcinoma in-Situ
59 B RenoLiv Protect Kidney Transplant
60 B RenoLiv Protect Liver Transplant

Critical Connect Policy Benefits

Sum Insured

You can get coverage from Rs. 1 lac to 1 crore, this comes in useful to cover all the expenses.

Up to 60 Critical Illnesses

The policy covers major and minor conditions, including HIV/AIDS. It will be difficult for you to find a plan to match Liberty General’s list of diseases.

Subsequent Illnesses Cover

Policy will continue to pay for additional two subsequent unrelated critical illness in your lifetime.

Waiver of Survival Period

In case of life-threatening condition’s Critical Connect gives the option to waive off the 30 days survival period following diagnosis.

Optional Loan Protector Cover

Take care of your EMIs with our critical illness policy, if you’re diagnosed.

Easy EMI Options

Pay your insurance premiums through convenient instalment options.

Overall WellBeing

Enjoy benefits of Health 360 Wellness services and avail discounts on diagnostic tests, pharmacy, etc

Tax Benefits

You can get an income tax benefit under Section 80D for insurance premium payments.


Why you should go for Liberty General’s Critical Connect Policy?

Here’s what Liberty General’s Critical Connect policy covers:

  • Critical Illness Diagnosis, Consultations and Treatment:
    Critical illness insurance policies are meant to support you through a critical illness. Right from diagnosis to recovery, you’re protected every step of the way. Though most insurers cover between 9-20 diseases, Liberty General’s Critical Connect covers over 60 critical illnesses, including minor and major conditions! This is good news for people who’re looking for competitive policies. Now whether you are diagnosed with a heart condition or HIV, you are covered.

  • Income and Other Expenses:
    Once your claim is approved, you get a fixed lump sum payout which covers your treatment, hospitalisation and consultation. It also compensates you for any loss of income. With this type of plan, you can even manage your monthly outgoings like EMI payments or travelling expenses for treatment, tests, and consultations.

  • Subsequent Illnesses:
    With Critical Connect, you can also get insurance for two subsequent life-threatening diseases. Unlike a traditional critical illness policy, this policy continues despite 100% payment of the sum insured.

  • Critical illness Related to HIV/AIDS:
    This critical illness policy also covers critical illnesses related to HIV/AIDS.

  • Wellness and Diagnostics:
    Critical Connect includes Health 360 Wellness services for your overall well-being. You can also avail discounts on diagnostic tests, pharmacies, and much more.

Waiting Periods for Filing Claims:

There is a wait time before which you can apply for a critical insurance claim. Here’s the list for both plans:

  • 90 days: Applies at the start of the policy
  • 30 days: Survival period after being diagnosed with a critical illness
  • 4 Years: For pre-existing conditions and HIV treatments
  • 2 years: Between 2 claims under plan A and for the treatment of AIDS under both plans.

Other Benefits of Critical Connect:

  • Second Medical Opinion/Tele-Consult:
    Liberty General Insurance will arrange and pay for a second opinion through their network panel of doctors. This applies only if you are diagnosed or suffering from one of the insured conditions during the policy period and decide to avail of this benefit.

  • Health Checkups Every 2 Years:
    An insured person/s above 18 years of age is/are entitled to a health checkup, on a cashless basis after a block of every two claim-free policy years.

  • Critical Illnesses Related to HIV/AIDS:
    Any insured condition or critical illness resulting from HIV infection or AIDS is payable limited to 10% of the sum insured for a policy year, up to 100% of the sum insured in a lifetime.

  • Health 360°:
    You can avail discounts on outpatient consultations, pharmaceuticals, and diagnostic tests through Liberty General’s empanelled, network providers. You can also get integrated healthcare services under membership programs. These services include health risk assessment, disease management, dedicated health professionals, and wellness rewards.

Optional or Add-On Covers Under Critical Illness Plans:

You can also opt for add-on covers for comprehensive coverage under Liberty General’s Critical Connect. Here they are:

A. Loan Protector cover:
1 claim during the policy period which is lower of;
• The Equated Monthly Installment (EMI) of a loan obtained through a Financial Institution/Bank, for 12 months; or
• The lump sum amount as specified in the Policy Schedule (3% of sum Insured amount) and
• After the commencement of the insured illness until the principle, the outstanding loan amount gets repaid, or policy expires, whichever is earlier.

B. Option to Waive 30-Day Survival Period:
You can opt for a waiver of the 30-day survival period to cover the first diagnosis of the critical illness, or if you’re undergoing a surgical procedure for the first time and that you have to survive before a claim becomes valid for 30 days. The cover will trigger immediately on being diagnosed with listed conditions.

Documents Required to Apply for Critical Connect claim:

You need to provide original documents to avail the Critical Connect policy from Liberty General. Here’s our list:
1. Completed and signed claim form
2. Medical certificate which confirms the diagnosis of critical illness
3. A certificate (from your doctor) confirming that the diagnosis isn’t a pre-existing illness and that it took place within the first 90 days
4. Discharge card/death summary from the hospital, (if applicable)
5. Test or investigation reports that confirm the diagnosis
6. First consultation letter and following prescriptions
7. Case papers for indoor treatment, (if applicable)
8. Documents for KYC compliance
9. Other specific documents listed under the respective critical illness
10. In the case critical illness arises due to an accident, FIR copy or medico-legal certificate will also be required wherever conducted.
11. Pharmacy bill along with prescriptions
12. Any other document as may be required by Liberty General Insurance

Policy Exclusions

The policy will not cover these instances:

  • Pre-Existing Conditions Before the Wait Time: With Liberty General Insurance’s Critical Connect, your pre-existing conditions will be covered after four years from the start date.
  • Specific Treatment or Procedures: Medical procedure or treatment, which is not necessary or was not performed by a medical practitioner.
  • Claims Before the Survival Period: A claim for a critical illness becomes valid and payable if you survive for 30 days after the insured condition. If you have opted for ‘ waiver of the survival period’ this condition is not applicable.

We request you to go through your policy thoroughly to know more about the exclusions. This will help avoid any complications or rejections during the claim filing process.

How to Buy a Critical Illness Cover?

Buying a critical illness plan through Liberty General is easy. You can either visit our website https://www.libertyinsurance.in/ or download our LivMobile app on your smartphone. We’re also accessible through an extensive network of customer service professionals all over India.

The process to Apply for Critical Connect claim:

You need to provide original documents as per the ‘list of claim documents’ given above. Here’s is the process:

  • In case of any loss/event as specified in the policy, if the insured wants to intimate us about the claim he/she needs to contact our call centre toll-free no 1800 2665 844
  • The insured/claimant can also register (within a stipulated time mentioned in the policy) his/her claim by providing incident details to Care@libertyinsurance.in
  • Once the intimation details are received, we will generate the claim number, and request for documents as per our standard documents checklist.
  • The insured/claimant must provide the claim documents within the specified time mentioned in the policy at health360@libertyinsurance.in or may share a hard copy of documents at below address:
  • Liberty Health 360
    The Capitol”, 2nd Floor, New D.P. Road,
    Opposite to Platinum Super Store,
    Vishal Nagar, Pimple Nilakh, Pune- 411027.

  • On receipt of all claims documents, Liberty General’s claims team will scrutinise them. If your documents fall within the purview of policy terms & conditions, we will recommend these documents for the next level of approvals. The entire approval process takes up to 5 working days after the day Liberty General receives all the completed claim documents.
  • In case a claim requires further investigation, our respective claim owner will put in a request with our internal teams.
  • In case of any discrepancy, or insufficient documentation, a reminder e-mail will be triggered to the Policyholder’s registered e-mail id.
  • On receipt of the claim’s case for investigation, our internal team will investigate the case further and submit an Investigation Report. This process takes up to 45 days after receiving a request for further investigation.
  • On receipt of the investigation report, the claim will be reviewed and approved basis the report for further processing. The turned around time for this stage is within 5 working days after receiving the investigation report.
  • On the release of claims payment and settlement, details will be shared with the customer for information.
  • Claim settlement TAT:
  • For Loan Protector: 5 working days after the date of receipt of the completed set of documents and investigation report (if applicable). This period is relevant only if there are no discrepancies in your documents.

    For Critical illness: 7 working days after receiving the complete set of documents available and investigation report (if applicable). This turn around time is relevant only if there are no discrepancies in your documents.

  • In case a claim gets rejected, Liberty General will send you a repudiation letter on your registered address and also an e-mail communication.

Frequently Asked Questions

General

Q.1. What is the meaning of lifelong renewability?

A) Lifelong renewability is an assured facility to an individual where you can enjoy permanent protection of a health insurance cover. This is without any age restrictions. Lifelong renewability helps the insured to meet sudden medical expenses and extended health protection for a longer time.

Q.2. What is the difference between a family-floater and critical illness or hospital cash insurance?

A) Family floater insurance is a single health insurance policy that will cover all the members of your family (up to 2 adults and 3 children) with a single floating sum insured to all.
Critical illness insurance provides a fixed compensation (up to the sum insured) on the diagnosis of a life-threatening disease like cancer, and you can opt for it on an individual sum-insured basis.
Hospital cash insurance provides a fixed amount of compensation daily for the duration of treatment in a hospital or nursing home.

Q.3. What if I undergo treatment for any illness overseas?

A) Unless covered under appropriate extension/option covers, Liberty General is obligated to approve claims, under this policy, for listed critical illnesses. However, the diagnosis needs to be in India.

Q.4. Will I get covered for my pre-existing illnesses?

A) Pre-existing illnesses/conditions will be covered immediately after 4 years of continuous coverage under the policy. Read the terms and conditions carefully about insurance cover for pre-existing conditions.

Q.1. What is the meaning of lifelong renewability?

A) Lifelong renewability is an assured facility to an individual where you can enjoy permanent protection of a health insurance cover. This is without any age restrictions. Lifelong renewability helps the insured to meet sudden medical expenses and extended health protection for a longer time.

Q.2. What is the difference between a family-floater and critical illness or hospital cash insurance?

A) Family floater insurance is a single health insurance policy that will cover all the members of your family (up to 2 adults and 3 children) with a single floating sum insured to all.
Critical illness insurance provides a fixed compensation (up to the sum insured) on the diagnosis of a life-threatening disease like cancer, and you can opt for it on an individual sum-insured basis.
Hospital cash insurance provides a fixed amount of compensation daily for the duration of treatment in a hospital or nursing home.

Q.3. What if I undergo treatment for any illness overseas?

A) Unless covered under appropriate extension/option covers, Liberty General is obligated to approve claims, under this policy, for listed critical illnesses. However, the diagnosis needs to be in India.

Q.4. Will I get covered for my pre-existing illnesses?

A) Pre-existing illnesses/conditions will be covered immediately after 4 years of continuous coverage under the policy. Read the terms and conditions carefully about insurance cover for pre-existing conditions.

Q.1.Is there a time-period under which I should inform the LGI of Hospitalization?

A) You need to inform us of within 24hours in case of unexpected hospitalization and at least 48 hours before any planned hospitalization.

Q.2.What should I do in case of an accident or illness that will lead to filing of a claim?

  • You should immediately notify the TPA or company by calling toll-free number specified in the health insurance policy document with the particulars below:
  • i. Policy Number / Health Card No
  • ii. Name of the Insured / Insured Person availing treatment
  • iii. Details of the disease / illness / injury
  • iv. Name and address of the Hospital
  • v. Any other relevant information

Q.3.Can I cancel my health insurance policy during its tenure?

A) You can cancel the insurance policy by giving 15 days’ notice in writing to the company. If no claim is made during the policy then LGI shall from the date of receipt of notice to cancel the medical insurance policy and refund the premium for the balance policy as per the terms and condition laid in the health insurance policy document.

Q.4.Is there a free look period available under the health insurance policy?

A) Yes, like most of the best medical insurance policies there is a 15 day free look period available. The period starts from the date of receipt of health insurance policy document and allows you to review the terms, conditions and exclusions of the policy.

Q.5.Is there an age limit?

A) Yes, the minimum entry age is 18 years for adult and 91 days for children. The maximum entry age is 65 years and children below 25 years of age can also be covered given that either of the parent is insured under the best medical insurance policy.

Q.6.Does the health insurance policy covers AYUSH treatment?

A) Yes, AYUSH treatments are covered under the health insurance provided you get the optional coverage by paying a nominal amount extra on your premium.

Q.7 What is the waiting period in the policy, 45 days or 30 days?

A) The health insurance has waiting period of 30 days from the commencement of the medical policy and will apply to all disease / illness contracted other than accidental bodily injury requiring hospitalization.

Q.8. Are there any loyalty perks for renewing the medical health insurance policy with LGI?

A) As the best health insurance policy in India, there is a clause that benefits the loyal customers. Health insurance provides for auto increase in sum insured by 10% on the sum insured for every claim free. This auto increase is capped at 100% of the sum insured and is only applicable if the health insurance policy is renewed with us without any break or within the grace period.

Q.9.Does the policy covers pre-existing conditions? Is there a waiting period on pre-existing diseases?

A) One of the best medical insurance policies, this health insurance policy also provides coverage for pre-existing conditions after 36 months of continuous coverage have elapsed, since inception of your first Policy with Us.

Q.10. Are there any optional covers available under the policy?

A) In our endeavor to offer the best health policy, we provide optional covers, to allow the customer to mould the policy as per his/her needs. As mentioned earlier, AYUSH treatments will be covered only if the optional cover is availed under the insurance policy. There are other optional covers too. You can read more about them in the policy wordings.

Health Insurance Glossary (A)

  • Accident/Accidental – Is to be defined as a sudden and unforeseen, involuntary act caused by external and violent means.
  • Age – The completed age of the Insured Person as on his/her last birthday.
  • Alternative treatments - Alternative treatments means any forms of treatments other than “Allopathy” or “modem medicine” and will include Ayurveda, Unani, Sidha and Homeopathy in the Indian context.

Health Insurance Glossary (C)

  • Cashless facility – It means a facility extended by the Insurer to the Insured where the payments, of the costs of treatment undergone by the policyholder in accordance with the policy terms and conditions and exclusions, are directly made to the network provider by the Insurer to the extent pre-authorization approved.
  • Congenital Anomaly - It refers to a condition(s) which is present since birth, and which is abnormal with reference to form, structure or position.

Health Insurance Glossary (D)

  • Day Care Centre – It means any institution established for daycare treatment of illness and /or injuries or a medical set up within a hospital and which has been registered with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner
  • Domiciliary Hospitalization - Any medical treatment for an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home

Health Insurance Glossary (I)

  • Inpatient Care - Any treatment for which the Insured Person has to stay in a hospital for more than 24 hours for a covered event.

Health Insurance Glossary (M)

  • Medical expenses - Those expenses that an Insured Person has necessarily and actually incurred for medical treatment on account of Illness or Accident on the advice of a Medical Practitioner.
  • Medical Practitioner - Any person who holds a valid registration from the medical council of any state or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction.

Health Insurance Glossary (N)

  • Network Provider - Any hospitals or health care providers enlisted by an Insurer or by a TPA and Insurer together to provide medical services to an insured on payment by a Cashless Facility.
  • Non-Network - Any hospital, day care center or other provider that is not a part of the Network.
  • Nominee - It means the person named in the proposal or schedule to whom the benefits under the Policy is nominated by the Insured Person.

Health Insurance Glossary (P)

  • Pre-existing Condition - Any condition, ailment or Injury or related conditions for which the Insured Person had signs or symptoms, and/ or were diagnosed, and or received medical advice or treatment within 48 months prior to the first policy issued by the Insurer.
  • Pre-hospitalization - Any medical expenses incurred immediately before the Insured Person is Hospitalised.
  • Post-hospitalization Medical Expenses – Any medical expenses incurred immediately after the Insured Person is discharged from the hospital.

Health Insurance Glossary (T)

  • Third Party Administrator or TPA -Any person who is licensed under the IRDA (Third Party Administrator-Health Services) Regulations, 2001 by the Authority, and is engaged, for a fee or remuneration by an Insurance Company, for the purpose of providing health Services.