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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.
SCOPE OF COVER: HOSPITALIZATION EXPENSES
In the event of a claim becoming admissible, the Company will pay the expenses listed below that are Reasonable and Customary, and Medically Necessary incurred by or on behalf of such Insured Person but not exceeding, in aggregate, the Sum Insured mentioned in the Schedule.
Actual Pre-Hospitalization Medical Expenses of up to 30 days, subject to maximum 5% of hospital bill.
Actual Post-Hospitalization Medical Expenses of 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.
Ambulance charges, subject to a maximum of Rs.1000/-
Hospitalization Expenses (excluding cost of organ) incurred on the donor during the course of organ transplant to the Insured. The Company's liability towards expenses incurred on the donor and the Insured recipient together shall not exceed the sum insured of the latter.
Covered Up to 60 days
Actual Post-Hospitalization Medical Expenses of up to 60 days, subject to maximum of 10% of hospital bill
Covered Up to 30 days
Actual Pre-Hospitalization Medical Expenses of up to 30 days, subject to maximum 5% of hospital bill
Covered subject to a maximum of Rs.1000
Ambulance charges, subject to a maximum of Rs.1000
Covered 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 Up to 1% SI
Up to 1% of Sum Insured per day
