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  Policy Information
COVERAGE
                In the event of any claim becoming admissible under this scheme, the company will pay through TPA to the Hospital/Nursing Home or insured person the amount of such expenses as would fall under different heads mentioned below and as are reasonably and necessarily incurred thereof by or on behalf of such insured person.
A.  Room, Boarding Expenses as provided by the Hospital/ Nursing Home.
B.  Nursing Expenses.
C.  Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
D.  Anesthetist, 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.
               The claims admitted during the period of insurance shall not exceed the Sum Insured per person as mentioned in the schedule
               Expenses on ‘Hospitalisation for minimum period of 24 hours is admissible. However, this time limit is not applied to specific treatments, i.e., Dialysis, Chemotherapy, Radiotherapy; Eye Surgery, Dental Surgery, Lithotripsy (Kidney Stone removal), D & C,
PRE-HOSPITALISATION
               Relevant medical expenses incurred during period up to 30 days prior to Hospitalisation on disease / illness / injury sustained will be considered as part of claim.
POST HOSPITALISATION
               Relevant medical expenses incurred during period up to 60 days after Hospitalisation on disease/illness/injury sustained will be considered as part of claim.
EXCLUSIONS
1.  All diseases/injuries, which are pre-existing when the cover incepts for the first time.
2.  During the first year of the operation of the policy, the expenses on treatment of diseases such as Cataract, Benign Prostatic Hyperthrophy, Hysterectomy for Mennorrhagia, or Fibromyoma, Hernia, Hydrocele, Congenital internal disease,Fistula in anus, piles, Sinusitis and related disorders are not payable. If these diseases (other than Congenital Internal Diseases) are pre-existing at the time of proposal they will not be covered even during subsequent period of renewal. If the Insured is aware of the existence of congenital internal disease before inception of the policy, the same will be treated as pre-existing.
3.  Injury / disease directly or indirectly caused by or arising from or attributable to invasion, Act of Foreign Enemy, War like operations (whether war be declared or not)
4.  Circumcision unless necessary for treatment of a disease.
5.  Maternity Expenses
6.  Cost of spectacles and contact lenses, hearing aids.
7.  Dental treatment or surgery of any kind unless requiring hospitalization.
8.  Convalescence, general debility; run-down condition or rest cure, Congenital external disease or defects or anomalies, Sterility, Venereal disease, intentional self injury and use of intoxicating drugs / alcohol.
9.  All expenses arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotropic Virus Type III (HTLB- III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variation Deficiency Syndrome or any syndrome or condition of a similar kind commonly referred to as AIDS.
10.  Charges incurred at Hospital or Nursing Home primarily for diagnosis, X-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence of presence of any ailment, sickness or injury, for which confinement is required at a Hospital / Nursing Home or at home under domiciliary hospitalisation as defined.
11.  Expenses on vitamins and tonics unless forming part of treatment for injury or diseases as certified by the attending physician.
12.  Injury or Disease directly or indirectly caused by or contributed to by nuclear weapon / materials.
13.  Treatment arising from or traceable to pregnancy (including voluntary termination or pregnancy) and childbirth (Including caesarian section)
14.  Naturopathy treatment.
CONDITIONS
1.  The premium payable under this Policy shall be paid in advance. No receipt for the Premium shall be valid except on the official form of the company signed by a duly authorised official of the company. No waiver of any terms, provisions, conditions and endorsements of this policy shall be valid unless made in writing and signed by an authorised official of the Company.
2.  In case of a claim under this Policy, notice with full particulars shall be sent to the TPA named in the schedule immediately and in case of emergency within 24 hours of Hospitalization / Domiciliary Hospitalization.
All supporting documents relating to the claim must be filed with TPA within 7 days from the date of discharge from the hospital. In case of post-hospitalization, treatment (limited to 60 days), all claim documents should be submitted within 7 days after completion of such treatment.
Note: Waiver of this Condition may be considered in extreme cases of hardship where it is proved to the satisfaction of the Company that under the circumstances in which the insured was placed it was not possible for him or any other person to give such notice or file claim within the prescribed time-limit.
3.  The Insured Person shall obtain and furnish the TPA with all original bills, receipts and other documents upon which a claim is based and shall also give the TPA/Company such additional information and assistance as the TPA/Company may require in dealing with the claim.
4.  Any medical practitioner authorised by the TPA/Company, shall be allowed to examine the Insured Person in case of any alleged injury or disease requiring Hospitalisation when and as often as the same may reasonably be required on behalf of the Company.
5.  The policy may be renewed by mutual consent. The Company shall not however be bound to give notice that it is due for renewal and the Company may at any time cancel this policy by sending the Insured 30 days notice by registered letter at the insured’s last known address and in such event the Company shall refund to the Insured a pro-rata premium for unexpired Period of Insurance. The Company shall, however, remain liable for any claim, which arose prior to the date of cancellation. The insured may at any time cancel this Policy and in such event the Company shall allow refund of premium at Company’s short period rate only (Table given here below) provided no claim has occurred up to the date of cancellation.
 
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