Who can be covered?

• Self
• Spouse
• Dependent Children
• Dependant Parents

Special Benefits

• Pre-Existing Diseases Waiver
• 30 days waiting period waiver
• First Year Exclusions waiver
• Maternity Cover (Limits to be provided)
• Waiting period waiver for maternity benefit.
• Floater Cover/Individual Sum Insured (To be opted)
• 30 Days & 60 Days Pre & post Hospital Cover.
• Day 1 Cover for New Born child.
• Cash less Facility.
• Addition & Deletion Clause.
• Corporate Buffer.

REQUIREMENTS

• Admission in a hospital / nursing home for a minimum period of 24 hours
• Definition of Hospital/Nursing Home
  1. Minimum 15 beds or registered as hospital with appropriate authority
  2. Round the clock qualified doctors
  3. Round the clock qualified nursing
  4. Operation Theatre

Benefits of Policy

All reasonable expenses incurred for the following

• ROOM RENT - As per the Cap provided.
• NURSING CHARGES (PRIVATE NURSING NOT ADMISSIBLE).
• SURGEON , ANESTHETIST, MEDICAL PRACTITIONER, CONSULTANTS, SPECIALIST FEES
• MEDICINE CHARGES
• DIAGNOSTIC CHARGES (IN LINE WITH DIAGNOSED AILMENT/DISEASES DURING HOSPITALISATION)
• DIALYSIS, CHEMOTHERAPY, RADIOTHERAPY, PACEMAKER, COST OF ORGANS
• ARTIFICIAL LIMBS

Expenses incurred before and after hospitalization??!!..

• Pre Hospitalization 30 days prior to hospitalization
• Post Hospitalization upto 60 days from the date of discharge

- Expenses incurred for the ailment for which the insured is hospitalized

EXCLUSIONS - WHAT ARE NOT COVERED

• CIRCUMCISION
• CHANGE OF LIFE
• DENTAL TREATMENT OR SURGERY UNLESS HOSPITALISED
• COST OF SPECTACLES, CONTACT LENSES
• COST OF HEARING AIDS
• VOLUNTARY TERMINATION OF PREGNANCY
• ANY INTERAL/EXTERNAL CONGINETAL DISEASE
• VACCINATIONS / INNOCULATION
• HORMONE REPLACEMENT THERAPHY
• PSYCHIATRIC, MENTAL , NERVOUS CONDITIONS, INSANITY - TREATMENT
• COSMETIC / PLASTIC / ASETHETIC TREATMENT
• USE OF INTOXICATING DRUGS/ALCOHOL
• TREATMENT OUTSIDE INDIA
• AYURVEDIC/HOMEOPATHY/NATUROPATHY TREATMENT

Reimbursement claims - Documents required

• Duly filled in Claim form - Medical certificate to be filled by the attending doctor
• Original discharge summary
• Original bills/prescriptions
• Original Advance / Final Receipt
• X-ray / scan film and reports
• All investigation reports like Pathology
• FIR in case of Accident

Please feel free to contact us:

Call:	+91 98845 84848 to proceed
Email :	alert@myinsurancepal.com