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The Policy covers reimbursement of Hospitalization Expenses for Illness/ Injury sustained.
Salient features of the Policy
COVERAGE:
The Policy covers reimbursement of Hospitalization Expenses for Illness/ Injury sustained.
Cost of treatment taken in General Ward of the Hospital/ Day-Care Centre per day maximum charges Rs. 450/-.
Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
Surgeon, Anesthetist, Medical Practitioner, Consultants Specialist fees.
Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical procedure like pacemaker, Relevant Laboratory/Diagnostic test, X-Ray etc.
Pre-Hospitalization medical Expenses up to 30 days.
Post-Hospitalization medical Expenses up to 60 days, subject to maximum of 10% of hospital bill.
AYUSH:
Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the Sum Insured provided the treatment for Illness or Injury, is taken in a Government Hospital or in any institute recognized by Government and /or accredited by Quality Council Of India / National Accreditation Board on Health, excluding centers for spas, massage and health rejuvenation procedures.
Ambulances services- actual expenses for transportation of patient (insured) or Rs 1000/- whichever is less in case patient has to be shifted from residence to Hospital for admission in Emergency Ward or ICU or from one Hospital to another Hospital by fully equipped ambulance for better medical facilities.
Hospitalization expenses (excluding cost of organ) incurred on the donor during the course of organ transplant to the Insured person. The Company's liability towards expenses incurred on the donor and the Insured recipient shall not exceed the sum insured of the Insured person receiving the organ.
The total amount payable under this policy during the period of insurance will in no case exceed the Sum Insured and will be subject to the limits shown in the following schedule or actual whichever is less.
Covered Rs. 450
Day-Care Center per day maximum charges Rs. 450
60 days
Post-Hospitalization medical Expenses up to 60 days, subject to maximum of 10% of hospital bill.
30 days
Pre-Hospitalization medical Expenses up to 30 days
Treatment are admissible up to 25% of the Sum Insured
Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the Sum Insured provided the treatment for Illness or Injury, is taken in a Government Hospital or in any institute recognized by Government and /or accredited by Quality Council Of India / National Accreditation Board on Health, excluding centers for spas, massage and health rejuvenation procedures
Covered Rs 1000
Actual expenses for transportation of patient (insured) or Rs 1000/- whichever is less in case patient has to be shifted from residence to Hospital for admission in Emergency Ward or ICU or from one Hospital to another Hospital by fully equipped ambulance for better medical facilities
