Yes. Unless the Insured Person is Hospitalized for a condition warranting Hospitalization, no claim is payable under the Policy.
The Policy pays only where the Hospitalization is for more than twenty four hours.
Immediately on Hospitalization or within twenty four hours of such Hospitalization, please intimate the TPA of this fact, with details of Your Policy Number, Name of the Hospital and treatment undertaken. This is an important condition of the Policy that you need to comply with.
Yes. Relevant medical expenses incurred before hospitalization for a period of THIRTY days prior to the date of Hospitalization are payable.
Yes. Relevant medical expenses incurred after Discharge from the Hospital for a period of SIXTY days after the date of discharge are payable.
Yes, the Policy covers treatment and/or services rendered only in India.
Yes. We will pay Hospitalization expenses up to a limit, known as Sum Insured. In cases where the Insured Person was Hospitalized more than once, the total of all amounts paid
The Policy is valid during the Period of Insurance stated in the Schedule attached to the Policy. It is usually valid for a period of one year from the date of beginning of insurance.
Yes. You can, and to get all Continuity benefits under the Policy, you should renew the Policy before the expiry of the present policy.
There are certain treatments which are payable only after the Insured Person is continuously covered for a specified period.
The Cumulative Bonus Buffer accrued to your Mediclaim Policy, on migration to New India Mediclaim is protected. But for claim free renewal after migration to New India Mediclaim No accrual would be made to the Cumulative Bonus Buffer. The Cumulative Bonus Buffer will be available until it is completely used.
Yes. If Your Policy is renewed within thirty days of the expiry of the previous Policy, then the Continuity Benefits would not be affected.
We may agree for a request for increase in Sum Insured at the time of renewal.
Yes. Payments made for health insurance in any mode other than cash are eligible for deduction from taxable income as per Section 80 D of the Income Tax Act.
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