Room, Board & Nursing Expenses as provided by the hospital/nursing home including registration and service charges
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees
Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation
Pre-hospitalisation expenses - We shall pay for expenses incurred 60 days prior to date of admission into the hospital.
Post-hospitalisation expenses - We shall pay for expenses incurred 90 days after the date of discharge from the hospital.
Day Care Expenses - We shall pay for Day Care expenses incurred on advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation as per the attached day care list.
Ambulance charges - up to a maximum of Rs. 1500 per hospitalisation will be reimbursed to You on producing the bills in original.
Free medical check-up - At the end of every continuous period of 4 years during which You/Your family have held Our Health Suraksha policy without
making a claim You/ Your family may apply to Us for a free medical check-up (Physician Consultation, ECG, Complete Blood Count, Urine Routine, Fasting blood Sugar, Post Prandial Blood Sugar, Lipid Profile, Sr. Creatinine, SGOT, SGPT, GGTP) at our Diagnostic Centre the location of which We will specify at the time of Your application. For the avoidance of doubt, We shall not be liable for any other ancillary or peripheral costs or expenses (including but not limited to those for transportation, accommodation or sustenance). The
above benefit would be available for any two of the insured family members.
Any condition, ailment, injury or related condition(s) for which you have been diagnosed, recieved medical treatment, had signs and / or symptoms, prior to the inception of your first policy until 48 months from the date of inception.
Any disease contracted during the first 30 days from the commencement of the policy.
Disease like cataract, hernia and tumour shall be covered after a waiting period of two years.
Diseases/surgeries like gallstones; renal stones shall be covered after a waiting period of one year.
All expenses related to AIDS and related diseases.
Joint replacement surgery shall be covered after a waiting period of three years, unless required due to an accident.