1 SALIENT FEATURES OF THE POLICY
1.1The Policy covers reimbursement of medical exp. incurred for treatment of cancer.
1.2 In the event of any claim becoming admissible under this policy, the co. will pay to the insured person the amt. of such exp. as fall under different heads mentioned below and are reasonable and necessarily incurred thereof by or on behalf of such insured person but not exceeding the sum insured in respect of such person in any policy period.
A) Room boarding exp. as provided by the hospital/ nursing home which included registration and administration fee.
B) Nursing exp.
C) Surgon medical prctitioner, consultants, specialist fee.
D) Blood, oxygen, operation theatre charges, surgical applicances , medicine , drugs, ex-ray, cost of artifitial limbs and organs similar exp.
E) Reasonable exp. incurred for carrying for insured person for ambulance within city limit @ admission and discharge only.
F) Exp. mentioned under A to D above also be shall covered in if treatment is taken in O..P.D of a reputed cancer hospital.
This policy will cover aurvedic, allopethic, homeopathic,mode treatment provided. Treatment is given by duly qualified medical practitioners. However the dignosis investigation has to be done in hospital patholagical laboratory to con firm that the insured person as suffered from cancer.
3 AGE LIMIT
This insurance is available to person in the age of 5yrs and 70 yrs., children between the age of 3months and 5 yrs of age can be covered provided there either parents are covered concurrently.
4 NOTICE OF CLAIM
4.1 Priliminary notice of claim with particulars relating to policy numbers , name of insured persons in respect of whom claim is made, nature of alligment and name and address of the attending medical practitioner/ hospital/ nursing home should be given to the insurance company within 30 days of discharge from the hospital /completion of treatment.
4.2 Final claim along with hospital receipt bill /cash memos claim from and list of document as listed in the claim form etc. should be submitted to the company within 30 days discharge from the hospital /completion of treatment.
Note : waiver of this condition may be considered in extreme cases of hardship where it is proved to the the satisfaction of the company that under the circumstances in which the insured was placed it was not possible for him or any other person to gve such notice of filed claim with in the prescibed time limit.
5 PROOF OF CLAIM
the claim shall be subtantited in full with all supporting document including certificates from the qualified medical practitioners which shall be required for processing of the payment of claim.
6 PREMIUM PAYABLE
6.1 As per table attatched .
6.2 A discount of 10% from the premium shall be allowed when the proposer takes the insurance for an additional member the family.
Policies are available for 1yr,5yr, 10 yr 15 yr period .
7 SUM INSURED
Sum insured Rs.5,000 to Rs.5,00,000 as per premium table .