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The policy covers reimbursement of Hospitalization / Domiciliary Hospitalization expenses for illness / diseases or injury sustained.
SALIENT FEATURES OF THE POLICY:
The policy covers reimbursement of Hospitalization / Domiciliary Hospitalization expenses for illness / diseases or injury sustained.
In the event of any claim becoming admissible under this scheme, the Company will pay to the insured person the amount of such expenses as would fall under different heads mentioned below and as are reasonable and necessarily incurred thereof by or on behalf of such Insured person but not exceeding the Sum Insured in any one period of Insurance,
A) Room, Boarding Expenses as provided by the hospital/nursing home.
B) Nursing Expenses.
C) Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
D) Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & Cost of Organs and similar expenses.
N.B. : Company's Liability In respect of all claims admitted during the period of insurance shall not exceed the Sum Insured of Rs. 5,000/- per person.
FREE LOOK PERIOD- The Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and return the same, if not acceptable. This will apply only in case of fresh policies.
Covered upto 60 days
Medical Expenses incurred for a period upto 60 days from the date of discharge from the hospital
Covered upto 30 days
Medical Expenses incurred during the period upto 30 days prior to the date of admission,
48 months
Pre-existing condition means any condition, ailment or injury or related conditions for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment within 48 months to prior to the first policy issued by the insurer.
Covered Upto SI
Room, Boarding Expenses as provided by the hospital/nursing home
Covered
Domiciliary hospitalization means medical treatment for a period exceeding three days for such 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
