Salient features of the Policy

1.0 COVERAGE: The Policy covers reimbursement of Hospitalisation Expenses for Illness/ Injury sustained.

2.0 Cost of treatment taken in General Ward of the Hospital/ Day-Care Centre per day maximum charges INR 450/-.

2.1 Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.

2.2 Surgeon, Anaesthetist, Medical Practitioner, Consultants’ Specialist fees.

2.3 Anaesthesia, 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.

2.4 Pre-Hospitalisation medical Expenses up to 30 days.

2.5 Post-Hospitalisation medical Expenses up to 60 days, subject to maximum of 10% of hospital bill.

2.6 AYUSH: Expense incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines are covered 100% of Sum insured.

2.7 Ambulances services – actual expenses for transportation of patient (insured) or INR 1,000/- 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.

2.8 Hospitalisation 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.

2.9 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.

2.10 SCHEDULE OF PAYMENT FOR SPECIFIED DISEAES

Actual expenses for Other Surgeries/Hospitalisation or given hereunder whichever is less:

PER DAY CHARGES

INTERMEDIATE SURGERY

MAJOR SURGERY

SUPRA MAJOR SURGERY