Day-care treatment refers to medical treatment and/or surgical procedure which is undertaken under general or local anaesthesia in a hospital/day care centre in less than 24 hours which would have otherwise required hospitalisation of more than 24 hours.

Treatment normally taken on an OPD Treatment basis is not included in the scope of this definition.

Most policies offer the benefit of treatment at home when: a) The condition of the patient is such that he cannot be moved to a hospital or b) There is no bed available in any of the hospitals and c) Only if it resembles the treatment given at the hospital/nursing home that is reimbursable under the policy. This is called domiciliary hospitalization and is subject to certain restrictions both in terms of the amount that is reimbursable as well as the diseases that are covered under it.

We cover reasonable and customary charges for medical expenses incurred during the insured person’s medically necessary and medically advised in-patient hospitalisation during the policy period for treatments like Ayurveda, Unani, Sidha and Homeopathy (AYUSH). However, treatment must take place in a government hospital or in any institute recognised by the government and/or accredited by the Quality Council of India/the National Accreditation Board of Health.

Non-medical items are not directly related to your medical needs and hence, we do not cover the expenses incurred for consuming them as per the policy terms and conditions.

*** Non-medical items listed under policy documents.

Reasonable and customary charges refer to the expenses incurred for medical services/supplies as long as they are the standard charges for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services. We also take into account the nature of the illness/injury involved.

In-patient hospitalisation refers to the admission of an insured person in a hospital for a minimum of 24 consecutive hours. This is barring specified procedures/treatments, where such admission could be for a period of less than 24 consecutive hours.

Hospital cash is a daily benefit which provides the insured person with a lump sum amount in case of hospitalisation. You can use the money for meeting additional expenses or for compensating the loss of income during the period of hospitalisation.

MER : Medical Examination Report RUA : Routine Urine Analysis FBS : Fasting Blood Sugar TCHOL : Total Cholesterol GGT : Gamma Glutamyl Transferease HDL : High Density Lipoprotein TG : Triglycerides SCREAT : Serum Creatinine SGOT : Serum glutamic oxaloacetic transaminase SGPT : Serum glutamic pyruvic transaminase HbsAg : Hepatitis B surface antigen Hba1c : Glycosylated haemoglobin CBC : Complete Blood Count TMT : Exercise Electrocardiogram HIV1& 2 : Antibodies to human immunodeficiency virus (HIV) types 1+2 (Anti-HIV 1+2)

We cover the medical expenses incurred for the medical treatment of the insured person’s new-born from the date of delivery until the expiry of the policy year. 

We cover reasonable and customary charges for the medical expenses incurred for the vaccination of the new-born baby as written in the annexure of the policy. This benefit is applicable until the baby completes one year.