NIAHLIP20104V031920_2019-2020

THE NEW INDIA ASSURANCE CO. LTD.
REGISTERED & HEAD OFFICE: 87, MAHATMA GANDHI ROAD, MUMBAI 400001
NEW INDIA MEDICLAIM POLICY

This is Your NEW INDIA MEDICLAIM POLICY, which has been issued by Us, relying on the
information disclosed by You in Your Proposal for this Policy or its preceding Policy/Policies of
which this is a renewal.
The terms and conditions set out in this Policy and its Schedule will be the basis for any claim
and/or benefit under this Policy.
This Policy states:-
What We Cover
Definitions
How much we will reimburse
What are Excluded under this Policy
Conditions
Please read this Policy carefully and point out discrepancy, if any, in the Schedule. Otherwise, it
will be presumed that the Policy and the Schedule correctly represent the cover agreed upon.
1. WHAT WE COVER
If during the Period of Insurance, You or any Insured Person incurs Hospitalisation Expenses
which are Reasonable and Customary, and Medically Necessary for treatment of any Illness or
Injury, We will reimburse such expense incurred by You, through the Third Party Administrator,
in the manner stated herein.
Please note that the above coverage is subject to Limits, Terms and Conditions contained in this
Policy and no Exclusion being found applicable.
2. DEFINITIONS
2.1 ACCIDENT means sudden, unforeseen and involuntary event caused by external, visible and
violent means.
2.2 ANY ONE ILLNESS means continuous period of Illness and includes relapse within forty five
days from the date of last consultation with the Hospital where treatment was taken.
2.3 CASHLESS FACILITY means a facility extended by the Insurer to the insured where the
payments, of the costs of treatment undergone by the insured in accordance with the
policy terms and conditions, are directly made to the network provider by the insurer to
the extent pre-authorization approved.
NIAHLIP20104V031920 Page 1 of 31
2.4 CLAIM FREE YEAR means coverage under the New India Mediclaim Policy for a period of
one year during which no claim is paid or payable under the terms and conditions of the
Policy in respect of Insured Person.
2.5 CONDITION PRECEDENT shall mean a policy term or condition upon which the Insurer's
liability under the policy is conditional upon.
2.6 CONGENITAL ANOMALY means to a condition(s) which is present since birth, and which is
abnormal with reference to form, structure or position.
2.6.1 CONGENITAL INTERNAL ANOMALY means a Congenital Anomaly which is not in the
visible and accessible parts of the body.
2.6.2 CONGENITAL EXTERNAL ANOMALY means a Congenital Anomaly which is in the
visible and accessible parts of the body.
2.7 CO-PAYMENT is a cost-sharing requirement under a health insurance policy that provides
that the Insured Person will bear a specified percentage of the admissible claim amount. A
co-payment does not reduce the Sum Insured.
2.8 CONTINUOUS COVERAGE means uninterrupted coverage of the Insured Person with Us or
any other Insurer, from the time the coverage incepted under any of the Health Insurance
policies till the date of commencement of Period of Insurance of this Policy.
A break in insurance for a period not exceeding thirty days shall not be reckoned as an
interruption in coverage for the purpose of this Clause. In case of change in Sum Insured
during such uninterrupted coverage, the lowest Sum Insured would be reckoned for
determining Continuous Coverage.
2.9 CUMULATIVE BONUS means any increase or addition in the Sum Insured granted by the
insurer without an associated increase in premium.
2.10 DAY CARE TREATMENT refers to medical treatment, and/or Surgical Procedure which is:
- Undertaken under General or Local Anesthesia in a Hospital/Day Care Centre in less than
twenty four hours because of technological advancement, and
- Which would have otherwise required a Hospitalization of more than twenty four hours.
Treatment normally taken on an out-patient basis is not included in the scope of this
definition.
2.11 DAY CARE CENTRE means any institution established for Day Care Treatment of Illness
and/or Injury or a medical setup within a Hospital and which has been registered with the
local authorities, wherever applicable, and is under supervision of a registered and qualified
Medical Practitioner AND must comply with all minimum criteria as under:
- has qualified nursing staff under its employment;

- has qualified Medical Practitioner/s in charge;
- Has a fully equipped operation theatre of its own where Surgical Procedures are carried
out;
- Maintains daily record of patients and will make these accessible to the insurance
company’s authorized personnel.
2.12 DEDUCTIBLE is a cost-sharing requirement under a health insurance policy that provides
that the Insurer will not be liable for a specified rupee amount in case of indemnity policies
and for a specified number of days/hours in case of hospital cash policies, which will apply
before any benefits are payable by the insurer. A deductible does not reduce the sum
insured.
2.13 DENTAL TREATMENT means a treatment related to teeth or structures supporting teeth
including examinations, fillings (where appropriate), crowns, extractions and surgery.
2.14 DOMICILIARY HOSPITALISATION means medical treatment for an Illness/Injury which in

the normal course would require care and treatment at a Hospital but is actually taken
while confined at home under any of the following circumstances:
- The condition of the patient is such that he/she is not in a condition to be removed to a
Hospital, or
- The patient takes treatment at home on account of non-availability of room in a Hospital.
2.15 HOSPITAL means any institution established for Inpatient Care and Day Care Treatment of
Illness and/or Injury and which has been registered as a Hospital with the local authorities
under the Clinical Establishment (Registration and Regulation) Act, 2010 or under the
enactments specified under the schedule of Section 56(1) of the said act OR complies with
all minimum criteria as under:
- has at least 10 inpatient beds, in those towns having a population of less than 10,00,000
and at least 15 inpatient beds in all other places;
- has qualified nursing staff under its employment round the clock;
- has qualified Medical Practitioner (s) in charge round the clock;
- has a fully equipped operation theatre of its own where Surgical Procedures are carried
out
- maintains daily records of patients and will make these accessible to the Insurance
company’s authorized personnel.
2.16 HOSPITALISATION means admission in a Hospital for a minimum period of twenty four
consecutive hours of Inpatient Care except for specified procedures / treatments as
mentioned in Annexure I, where such admission could be for a period of less than twenty
four consecutive hours.
Note: Procedures / treatments usually done in outpatient department are not payable
under the Policy even if converted as an in-patient in the Hospital for more than twenty
four consecutive hours.
2.17 ILLNESS means a sickness or a disease or pathological condition leading to the impairment
of normal physiological function and requires medical treatment.
2.18 INJURY means accidental physical bodily harm excluding Illness or disease solely and
directly caused by external, violent and visible and evident means which is verified and
certified by a Medical Practitioner.
2.19 INPATIENT CARE means treatment for which the insured person has to stay in a Hospital
for more than twenty four hours for a covered event.
2.20 INSURED PERSON means You and each of the others who are covered under this Policy as
shown in the Schedule.
2.21 ICU (INTENSIVE CARE UNIT) means an identified section, ward or wing of a Hospital which
is under the constant supervision of a dedicated Medical Practitioner(s), and which is
specially equipped for the continuous monitoring and treatment of patients who are in a
critical condition, or require life support facilities and where the level of care and
supervision is considerably more sophisticated and intensive than in the ordinary and other
wards.
2.22 ICU CHARGES means the amount charged by a Hospital towards ICU expenses which shall
include the expenses for ICU bed, general medical support services provided to any ICU
patient including monitoring devices, critical care nursing and intensivist charges.
2.23 LEGAL GUARDIAN OR CUSTODIAN is a person who has taken the responsibility of taking
care of or protecting the children of deceased parents. This definition is to be used for the
sole purpose of taking a Health Insurance Policy. This person shall not be eligible for
claiming tax rebate under section 80D of the IT act.
2.24 MATERNITY EXPENSES means:
a. Medical Treatment Expenses traceable to childbirth (including complicated deliveries

and caesarean sections incurred during Hospitalisation),
b. Expenses towards lawful medical termination of pregnancy during the Policy Period.
2.25 MEDICAL ADVICE means any consultation or advice from a Medical Practitioner including
the issue of any prescription or follow-up prescription.
2.26 MEDICAL EXPENSES means those expenses that an Insured Person has necessarily and
actually incurred for medical treatment on account of Illness or Accident on the advice of
a Medical Practitioner, as long as these are no more than would have been payable if the
Insured Person had not been insured and no more than other Hospitals or Medical
Practitioner in the same locality would have charged for the same medical treatment.
2.27 MEDICALLY NECESSARY TREATMENT means any treatment, tests, medication, or stay in
Hospital or part of a stay in Hospital which
- is required for the medical management of the Illness or Injury suffered by the insured;
- must not exceed the level of care necessary to provide safe, adequate and appropriate
medical care in scope, duration, or intensity;
- must have been prescribed by a Medical Practitioner;
- must conform to the professional standards widely accepted in international medical
practice or by the medical community in India.
2.28 MEDICAL PRACTITIONER is a person who holds a valid registration from the medical council
of any state or Medical council of India or Council for Indian Medicine or for Homeopathy
set up by the Government of India or a state Government and is thereby entitled to practice
medicine within its jurisdiction; and is acting within the scope and jurisdiction of his license.
Note: The Medical Practitioner should not be the insured or close family members.
2.29 NETWORK PROVIDER means hospitals or health care providers enlisted by an insurer, TPA
or jointly by an Insurer and TPA to provide medical services to an insured by a cashless
facility. The list is available with the insurer/TPA and subject to amendment from time to
time.
2.30 NON-NETWORK PROVIDER means any Hospital, Day Care Centre or other provider that is
not part of the Network.
2.31 NEW BORN BABY means a baby born during the Period of Insurance to a female Insured
Person, who has twenty four months of Continuous Coverage.
2.32 PERIOD OF INSURANCE means the period for which this Policy is taken as specified in the
Schedule.
2.33 PRE-EXISTING CONDITION/DISEASE means any condition, ailment or Injury or related

condition(s) for which You had signs or symptoms, and/or were diagnosed, and/or for
which You received medical advice / treatment within forty eight months prior to the first
policy issued by Us (as mentioned in the Schedule) and renewed continuously thereafter.
2.34 PREFERRED PROVIDER NETWORK (PPN) means network providers in specific cities which
have agreed to a cashless packaged pricing for specified planned procedures for the
policyholders of the Company. The list of planned procedures is available with the
Company/TPA and subject to amendment from time to time. Reimbursement of expenses
incurred in PPN for the procedures (as listed under PPN package) shall be subject to the
rates applicable to PPN package pricing.
2.35 PRE-HOSPITALISATION MEDICAL EXPENSES mean Medical Expenses incurred during thirty
days preceding the Hospitalisation of the Insured Person, provided that:
i. Such Medical Expenses are incurred for the same condition for which the Insured
Person’s Hospitalization was required, and
ii. The Inpatient Hospitalization claim for such Hospitalization is admissible by the
Insurance Company.
2.36 POST-HOSPITALISATION MEDICAL EXPENSES mean Medical Expenses incurred during sixty
days immediately after the Insured Person is discharged from the Hospital provided that:
i. Such Medical Expenses are for the same condition for which the Insured Person’s
Hospitalisation was required, and
ii. The Inpatient Hospitalisation claim for such Hospitalisation is admissible by the
Insurance Company.
2.37 PORTABILITY means the right accorded to an individual health insurance policyholder
(including family cover), to transfer the credit gained for pre-existing conditions and time
bound exclusions, from one insurer to another or from one plan to another of the same
insurer.
2.38 QUALIFIED NURSE means a person who holds a valid registration from the Nursing Council
of India or the Nursing Council of any state in India.
2.39 REASONABLE AND CUSTOMARY CHARGESmean the charges for services or supplies, which
are the standard charges for the specific provider and consistent with the prevailing
charges in the geographical area for identical or similar services, taking into account the
nature of the Illness / Injury involved .
2.40 RENAL FAILURE is a condition in which the kidneys lose the ability to remove waste and
balance fluids
2.38.1 ACUTE RENAL FAILURE (ARF) is the abrupt loss of kidney function, resulting in the
retention of metabolic waste products and dysregulation of volume and electrolytes
of body fluids. The medical term Acute Kidney Injury (AKI) has now largely replaced
ARF in the medical communities (Injury not necessarily related to Accidents),
reflecting the recognition that smaller decrements in kidney function that do not
result in overt organ failure are of substantial clinical relevance and are associated
with increased morbidity and mortality.
2.38.2 CHRONIC RENAL FAILURE: End stage kidney disease characterized by irreversible
failure of both kidneys to function normally, as a result of which either regular
dialysis (hemodialysis or peritoneal dialysis) is instituted or a renal transplantation
becomes necessary. The diagnosis has to be confirmed by a specialist medical
practitioner.
2.38.3 RENAL TRANSPLANTATION: Kidney transplantation is a surgical procedure to

remove a healthy and functioning kidney from a living or brain-dead donor and
implant it into a patient with non-functioning kidneys.
2.41 RENEWAL means the terms on which the contract of insurance can be renewed on mutual
consent with a provision of grace period for treating the renewal continuous for the
purpose of gaining credit for pre-existing diseases, time-bound exclusions and for all
waiting periods.
2.42 ROOM RENT means the amount charged by a Hospital towards Room and Boarding
expense and shall include associated medical expenses.
2.43 SUM INSURED is the maximum amount of coverage opted for each Insured Person and as
2.44 SURGERY OR SURGICAL PROCEDURE means manual and/or operative procedure(s)

required for treatment of an Illness or Injury, correction of deformities and defects,
diagnosis and cure of diseases, relief from suffering and prolongation of life, performed in
a Hospital or Day Care Centre by a Medical Practitioner.
2.45 TPA(THIRD PARTY ADMINISTRATORS) means any person who is registered under the IRDAI
(Third Party Administrators – Health Services) Regulation, 2016 notified by the Authority,
and is engaged, for a fee or remuneration by Us, for the purposes of providing Health
Services defined in those Regulations.
2.46 UNPROVEN/EXPERIMENTAL TREATMENT means treatment including drug experimental

therapy, which is not based on established medical practice in India, is treatment
experimental or unproven.
2.47 WARD who are under the care or protection of the Legal Guardian or Custodian. The
definition of Children shall be applicable for Ward.
2.48 WE/OUR/US/COMPANY means The New India Assurance Co. Ltd.
2.49 YOU/YOUR means the person who has taken this Policy and is shown as Insured or the first
insured (if more than one) in the Schedule.
3. HOW MUCH WE WILL REIMBURSE

3.1 Our liability for all claims admitted during the Period of Insurance will be only up to Sum
Insured for which the Insured Person is covered as mentioned in the Schedule. In respect
of those Insured Persons with Cumulative Bonus, Our liability for claims admitted under
this Policy shall not exceed the aggregate of the Sum Insured and the Cumulative Bonus.
Subject to this, We will reimburse the following Reasonable and Customary, and Medically
Necessary Expenses admissible as per the terms and conditions of the Policy:
Room Rent, boarding and nursing expenses as provided by the Hospital not
3.1 (a)
exceeding 1.0 % of the Sum Insured (without Cumulative Bonus) per day
Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses not
3.1 (b)
exceeding 2.0 % of the Sum Insured (without Cumulative Bonus) per day
3.1 (c) Surgeon, Anesthetist, Medical Practitioner, Consultants’ Specialist fees.
Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances,
Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs,
3.1 (d) Cost of Prosthetic devices implanted during Surgery like pacemaker, Relevant
Laboratory/Diagnostic test, X-Ray and other medical expenses related to the
treatment.
3.1 (e) Pre-Hospitalization Medical expenses
3.1 (f) Post-Hospitalization Medical expenses
3.2 PROPORTIONATE DEDUCTION
Reimbursement/payment of Room Rent, boarding and nursing expenses incurred at the
Hospital shall not exceed 1% of the Sum Insured per day. In case of admission to Intensive
Care Unit or Intensive Cardiac Care Unit, reimbursement or payment of such expenses shall
not exceed 2% of the Sum Insured per day. In case of admission to a room/ICU/ICCU at
rates exceeding the aforesaid limits, the reimbursement/payment of all other expenses
incurred at the Hospital, with the exception of cost of medicines, shall be effected in the
same proportion as the admissible rate per day bears to the actual rate per day of Room
Rent/ICU/ICCU charges.
3.3 LIMIT ON PAYMENT FOR CATARACT:

Our liability for payment of any claim relating to Cataract, for each eye, shall not exceed
20% of the Sum Insured subject to a maximum of Rs. 50,000.
The limit mentioned above shall be applicable per event for all the Policies of Our Company
including Group Policies. Even if two or more Policies of New India are invoked, sublimit of
the Policy chosen by Insured shall prevail and our liability is restricted to stated sublimit.
3.4 TREATMENTS UNDER AYURVEDIC / HOMEOPATHIC / UNANI SYSTEMS

Expenses incurred for Ayurvedic / Homeopathic / Unani Treatment are admissible up to
25% of the Sum Insured provided the treatment for Illness or Injury, is taken in a
government Hospital or in any institute recognized by government and/or accredited by
Quality Council Of India / National Accreditation Board on Health, excluding centers for
spas, massage and health rejuvenation procedures.
3.5 HOSPITAL CASH

For those Insured Persons, whose Sum Insured is more than or equal to Rs. three lakhs, we
will pay Hospital Cash at the rate of 0.1% of the Sum Insured, for each day of Hospitalisation
admissible under the Policy. The payment under this Clause for Any One Illness shall not
exceed 1% of the Sum Insured. The payment under this Clause is applicable only where the
period of Hospitalisation exceeds twenty four consecutive hours. Payment under this clause
shall reduce the Sum Insured.
Hospital Cash will be payable for completion of every twenty four hours and not part
thereof.
3.6 ADDITIONAL BENEFIT - HEALTH CHECK-UP

The Insured Person shall be entitled for reimbursement of the cost of Medical check-up at
the end of a block of every three Claim Free Years. Such payment shall be restricted to Rs.
5,000 or 1% of the average Sum Insured of the Insured Person in the preceding three years,
whichever is less. This benefit is available only once in three years.
Any payment made under this clause shall not be considered as a claim for the purpose of
Clauses 5.11 of this Policy.
3.7 PAYMENT OF AMBULANCE CHARGES

We will pay You the charges for Ambulance services not exceeding 1% of the Sum Insured,
Reasonably and Medically Necessarily incurred for shifting any Insured Person to Hospital
for admission in Emergency Ward or ICU, or from one Hospital to another Hospitalfor better
medical facilities.
3.8 PAYMENTS ONLY IF INCLUDED IN HOSPITAL BILL

No payment shall be made for any Hospitalisation expenses incurred, unless they form part
of the Hospital Bill. However, the bills raised by Surgeon, Anaesthetist directly and not
included in the Hospital Bill shall be paid provided a numbered Bill is produced in support
thereof, for an amount not exceeding Rs. Ten thousand, where such payment is made in
cash and for an amount not exceeding Rs. Twenty thousand, where such payment is made
by cheque.
3.9 MEDICAL EXPENSES FOR ORGAN TRANSPLANT:

If treatment involves Organ Transplant to Insured Person, then We will also pay
Hospitalisation Expenses (excluding cost of organ) incurred on the donor, provided Our
liabilitytowards expenses incurred on the donor and the insured recipient shall not exceed
the aggregate of the Sum Insured and Cumulative Bonus, if any, of the Insured Person
receiving the organ.
3.10 REINSTATEMENT OF SUM INSURED

If the Sum Insured is exhausted due to a claim admissible under the Policy, then the Sum
Insured shall be reinstated to the Sum Insured stated in the Schedule, provided our liability
under the Reinstated Sum Insured shall be subject to the following conditions:
1. Such Reinstatement of Sum Insured shall be effected only where the Sum Insured is
Rs. Five Lakhs or more.
2. Such Reinstatement shall take effect only after the Date of Discharge from the
Hospital for that claim which resulted in exhaustion of the Sum Insured
3. No Illness or Injury, for a Hospitalisation occurring during the Period of Insurance till
the Date of Reinstatement, for which a Claim is paid or admissible, shall be considered
under the Reinstated Sum Insured.
4. Such Reinstatement shall be available only once for each Insured Person during a
Period of Insurance.
3.11 DAY ONE BABY COVER

A New Born Baby is covered for any Illness or Injury from the date of birth till the expiry of
this Policy, within the terms of this Policy. Any expense incurred towards post natal care,
pre-term or pre-mature care or any such expense incurred in connection with delivery of
such New Born Baby would not be covered. Congenital External Anomaly of the New Born
Baby is also not covered under the policy.
No coverage for the New Born Baby would be available during subsequent renewals unless
the child is declared for insurance and covered as an Insured Person.
3.12 MEDICAL EXPENSES INCURRED UNDER TWO POLICY PERIODS:

If the claim event falls within two policy periods, the claims shall be paid taking into
consideration the available Sum Insured of the expiring Policy only. Sum Insured of the
Renewed Policy will not be available for the Hospitalisation (including Pre & Post
Hospitalisation Expenses), which has commenced in the expiring Policy. Claim shall be
settled on per event basis.
3.13 OPTIONAL COVER I: NO PROPORTIONATE DEDUCTION

On payment of additional Premium as mentioned in Schedule, it is hereby agreed and
declared that Clause 3.2 stands deleted for the members covered in the Policy as stated in
the Schedule.
You shall continue to bear the differential between actual and eligible Room Rent.
3.14 OPTIONAL COVER II: MATERNITY EXPENSES BENEFIT

On the payment of additional Premium as mentioned in Schedule, it is hereby agreed and
declared that Clause 4.4.13 stands deleted for the members as mentioned in the Schedule.
Our liability for claim admitted for Maternity shall not exceed 10% of the average Sum
Insured of the Insured Person in the preceding three years.
Special conditions applicable to Maternity Expenses Benefit:
1. These Benefits are admissible only if the expenses are incurred in Hospital as inpatients
in India.
2. A waiting period of thirty six months is applicable, from the date of opting this cover,
for payment of any claim relating to normal delivery or caesarian section or abdominal
operation for extra uterine pregnancy. The waiting period may be relaxed only in case
of miscarriage or abortion induced by accident or other medical emergency.
3. Claim in respect of delivery for only first two children and / or surgeries associated
therewith will be considered in respect of any one Insured Person covered under the
Policy or any renewal thereof.
4. Expenses incurred in connection with voluntary medical termination of pregnancy
during the first 12 weeks from the date of conception are not covered.
Pre-natal and post-natal expenses are not covered unless admitted in Hospital and
treatment is taken there.
The maternity limit mentioned above shall be applicable per event for all the Policies of Our
Company including Group Policies. Even if two or more Policies of New India are invoked,
sublimit of the Policy chosen by Insured shall prevail and our liability is restricted to stated
sublimit.
3.15 OPTIONAL COVER III: REVISION IN LIMIT OF CATARACT

This optional cover, if opted, will be in addition to limit specified in Clause 3.3
On payment of additional Premium as mentioned in Schedule, it is declared and agreed

that following additional amount for Cataract shall become payable but not exceeding the
actual expenses incurred:
Sum Insured Additional Cataract limit
Rs. 8,00,000 Rs. 80,000
Rs. 10,00,000 Rs. 1,00,000
Rs. 12,00,000 Rs. 1,20,000
Rs. 15,00,000 Rs. 1,50,000
Note: Benefit of this cover will be available after the expiry of thirty six months from the
date of opting this cover.
3.16 OPTIONAL COVER IV: VOLUNTARY CO-PAY

If the Insured person opts for voluntary co-pay of 20%, a discount of 15% shall be of given
on the premium payable for the Insured Person.
3.17 CUMULATIVE BONUS

The Sum Insured under Policy shall be increased by 25% at each renewal in respect of
each claim free year of insurance, subject to maximum of 50%. If a claim is made in any
particular year; the cumulative bonus accrued may be reduced at the same rate at which
it is accrued.
Cumulative bonus will be lost if policy is not renewed before or within 30 days from the
date of expiry. In case sum insured under the policy is reduced at the time of renewal, the
applicable Cumulative Bonus percentage shall be applied on the reduced Sum Insured.
In case the insured is having more than one policy, the Cumulative Bonus shall be reduced
from the policy/policies in which claim is made irrespective of number of policies.
Note:
i. Cumulative Bonus shall be applicable for persons having Sum Insured of 2 Lakh &
above.
ii. The Cumulative Bonus Buffer under the expiring policy, if any, shall be converted to
Cumulative Bonus.
iii. In case where the policy is on individual basis, the CB shall be added and available
individually to the insured person who has not claimed under the expiring policy.
iv. In case where the policy is on floater basis, the CB shall be added and available to the
family on floater basis, provided no claim has been reported under the policy.
v. CB shall be available only if the Policy is renewed within the Grace Period.
vi. If the Insured Persons in the expiring policy are covered on an individual basis as
specified in the Policy Schedule and there is an accumulated CB for each Insured Person
under the expiring policy, and such expiring policy has been Renewed on a floater
policy basis as specified in the Policy Schedule then the CB to be carried forward for
credit in such Renewed Policy shall be the Lowest among all the Insured Persons.
vii. In case of floater policies where Insured Persons Renew their expiring policy by splitting
the Sum Insured in to two or more floater policies/individual policies, the same CB of
the expiring policy shall be apportioned to each Individual of such Renewed Policies.
viii. If the Sum Insured has been reduced at the time of Renewal, the applicable Cumulative
Bonus percentage shall be applied on the reduced Sum Insured.
ix. If the Sum Insured under the Policy has been increased at the time of Renewal the
Cumulative Bonus shall be calculated on the Sum Insured of the last completed Policy
Year.
x. If a claim is made in the expiring Policy Year, and is notified to Us after the acceptance
of Renewal premium any awarded CB shall be withdrawn
4. WHAT ARE EXCLUDED UNDER THIS POLICY

No claim will be payable under this Policy for the following:
4.1 Treatment of any Pre-Existing Condition/Disease, until forty eight months of Continuous
Coverage of such Insured Person has elapsed from the Date of inception of his/her first
Policy with Us as mentioned in the Schedule.
4.2 Any Illness contracted by the Insured person during the first thirty days of the
commencement date of this Policy. This exclusion shall not apply if the Insured person has
Continuous Coverage for more than twelve months.
4.3.1 Unless the Insured Person has Continuous Coverage in excess of twenty four months with
Us, expenses on treatment of the following Illnesses are not payable:
1. All internal and external benign tumors, cysts, polyps of any kind, including benign
breast lumps
2. Benign ear, nose, throat disorders
3. Benign prostate hypertrophy
4. Cataract and age related eye ailments
5. Gastric/ Duodenal Ulcer
6. Gout and Rheumatism
7. Hernia of all types
8. Hydrocele
9. Infective Arthritis
10. Piles, Fissures and Fistula in anus
11. Pilonidal sinus, Sinusitis and related disorders
12. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from Accident
13. Skin Disorders
14. Stone in Gall Bladder and Bile duct, excluding malignancy
15. Stones in Urinary system
16. Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus
17. Varicose Veins and Varicose Ulcers
18. Renal Failure
Note: Even after twenty four months of Continuous Coverage, the above Illnesses will not
be covered if they arise from a Pre-existing Condition, until forty eight months of
Continuous Coverage have elapsed since inception of the first Policy with the
Company.
4.3.2 Unless the Insured Person has Continuous Coverage in excess of forty eight months with
Us, the expenses related to treatment of
1. Joint Replacement due to Degenerative Condition

2. Age-related Osteoarthritis & Osteoporosis
are not payable.
4.4.1 Injury / Illness directly or indirectly caused by or arising from or attributable to War,
invasion, Act of Foreign enemy, War like operations (whether war be declared or not),
nuclear weapon/ ionising radiation, contamination by Radioactive material, nuclear fuel
or nuclear waste or from the combustion of nuclear fuel.
4.4.2 a. Circumcision unless Medically Necessary for treatment of an Illness not excluded here
under or as may be necessitated due to an Accident
b. Change of life/sex change or cosmetic or aesthetic treatment (except for burns/Injury)
of any description such as correction of eyesight, etc.
c. Plastic Surgery other than as may be necessitated due to an Accident or as a part of
any Illness.
4.4.3 Vaccination and/or inoculation.
4.4.4 Cost of braces, equipment or external prosthetic devices, non-durable implants,

eyeglasses, Cost of spectacles and contact lenses, hearing aids including cochlear
implants, durable medical equipment.
4.4.5 Dental treatment or Surgery of any kind unless necessitated by Accident and requiring
Hospitalisation.
4.4.6 Convalescence, general debility, 'Run-down' condition or rest cure, any treatment relating
to Obesity or complications of obesity, treatment relating to all psychiatric and
psychosomatic disorders, infertility, sterility, Venereal disease, intentional self-Injury and
Illness or Injury caused by the use of intoxicating drugs/alcohol.
4.4.7 Congenital Internal and External Disease or Defects or anomalies.
However, the exclusion for Congenital Internal Disease or Defects or anomalies shall not
apply after twenty four months of Continuous Coverage, if it was unknown to You or to
the Insured Person at the commencement of such Continuous Coverage. Exclusion for
Congenital Internal Disease or Defects or Anomalies would not apply to a New Born Baby
during the year of Birth and also subsequent renewals, if Premium is paid for such New
Born Baby and the renewals are effected before or within thirty days of expiry of the
Policy.
The exclusion for Congenital External Disease or Defects or anomalies shall not apply after
thirty six months of Continuous Coverage, but such cover for Congenital External Disease
or Defects or anomalies shall be limited to 10% of theaverage Sum Insured of the Insured
Person in the preceding four years.
4.4.8 Bodily Injury due to willful or deliberate exposure to danger (except in an attempt to save
human life), intentional self-inflicted Injury, attempted suicide, Illness arising out of non-
adherence to medical advice.
4.4.9 Treatment of any Bodily Injury or Illness sustained whilst or as a result of active
participation in any hazardous sports of any kind.
4.4.10 Treatment of any Injury or Illness sustained whilst or as a result of participating in any
criminal act.
4.4.11 Charges incurred at Hospital primarily for diagnosis, x-ray or Laboratory examinations or
other diagnostic studies not consistent with or incidental to the diagnosis and treatment
of positive existence or presence of any Illness or Injury for which confinement is required
at a Hospital.
4.4.12 Expenses on vitamins and tonics unless forming part of treatment for Injury or Illness as
certified by the attending Medical Practitioner.
4.4.13 Maternity Expenses, except abdominal operation for extra uterine pregnancy (Ectopic
Pregnancy), which is proved by submission of Ultra Sonographic Report and Certification
by Gynaecologist that it is life threatening one if left untreated.
4.4.14 Naturopathy and Siddha Treatments.
4.4.15 External and or durable Medical / Non-medical equipment of any kind used for diagnosis
and or treatment including CPAP (Continuous Positive Airway Pressure), CPAD
(Continuous Peritoneal Ambulatory Dialysis), Oxygen Concentrator for Bronchial
Asthmatic condition, Infusion pump etc. Ambulatory devices i.e., walker, crutches,
Collars, Caps, Splints, Elasto crepe bandages, external orthopaedic pads, sub cutaneous
insulin pump, Diabetic foot wear, Glucometer / Thermometer and similar related items
etc., and also any medical equipment, which is subsequently used at home and outlives
the use and life of the Insured Person.
4.4.16 Any expenses relating to cost of items detailed in Annexure II.
4.4.17 Genetic disorders and stem cell implantation/Surgery.
4.4.18 Domiciliary Hospitalisation.
4.4.19 Acupressure, acupuncture, magnetic therapies
4.4.20 Experimental or unproven treatments/ therapies.
4.4.21 Any kind of Service charges, Surcharges, Luxury Tax and similar charges levied by the
Hospital.
4.4.22 Treatment for Age Related Macular Degeneration (ARMD) , Treatment for Sleep Apnoea
Syndrome, treatments such as Rotational Field Quantum Magnetic Resonance (RFQMR),
External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP),
Hyperbaric Oxygen Therapy and CPAD (Continuous Peritoneal Ambulatory Dialysis).
5. CONDITIONS
5.1 BASIS OF INSURANCE:
This Policy is issued on the basis of the truth and accuracy of statements in the Proposal. If
there is any misrepresentation or non-disclosure We will be entitled to treat the Policy as
void.
5.2 PREMIUM:
Unless premium is paid before commencement of risk, this Policy shall have no effect.
5.3 PLACE OF TREATMENT AND PAYMENT:

This Policy covers medical/surgical treatment and/or services rendered only in India.
Admissible claims shall be payable only in Indian Rupees.
Payment shall be made directly to Network Hospital if Cashless facility is applied for before
treatment and accepted by TPA. If request for Cashless facility is not accepted by TPA, bills
shall be submitted to the TPA after payment of Hospital bills by you.
Note: Cashless facility is only a mode of claim payment and cannot be demanded in every
claim. If we/TPA have doubts regarding admissibility of a claim at the initial stage,
which cannot be decided without further verification of treatment records, request
for Cashless facility may be declined. Such decision by TPA or Us shall be final. Denial
of Cashless facility would not imply denial of claim. If Cashless facility is denied, You
may submit the papers on completion of treatment and admissibility of the claim
would be subject to the terms, conditions and exceptions of the Policy.
5.4 COMMUNICATION:
You must send all communications and papers regarding a claim to the TPA at the address
For all other matters relating to the policy, communication must be sent to our Policy
issuing office.
Communications you wish to rely upon must be in writing.
5.5 NOTICE OF CLAIM:

If You intend to make any claim under this Policy You must:
a. Intimate TPA in writing on detection of any Illness/Injury being suffered immediately or

forty eight hours before Hospitalisation.
b. Intimate within twenty four hours from the time of Hospitalisation in case of
Hospitalisation due to medical emergency.
c. Submit following supporting documents TPA relating to the claim within seven days
from the date of discharge from the Hospital:
i. Bill, Receipt and Discharge certificate / card from the Hospital.

ii. Cash Memos from the Hospitals (s) / Chemists (s), supported by proper
prescriptions.
iii. Receipt and Pathological test reports from Pathologist supported by the note from
the attending Medical Practitioner / Surgeon recommending such Pathological
tests / pathological.
iv. Surgeon's certificate stating nature of operation performed and Surgeons’ bill and
receipt.
v. Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and
certificate regarding diagnosis.
d. In case of Post-Hospitalisation treatment (limited to sixty days), submit all claim
documents within 7 days after completion of such treatment.
e. Provide TPA with authorization to obtain medical and other records from any Hospital,
Laboratory or other agency.
Note: The above stipulations are not intended merely to prejudice Your claims, but their
compliance is of utmost importance and necessity for Us to identify and verify all
facts and surrounding circumstances relating to a claim and determine whether it is
payable.
Waiver of delay may be considered in extreme cases of hardship, but only if it is

proved to Our satisfaction it was not possible for You or any other person to comply
with the prescribed time-limit.
5.6 The Insured person shall submit to the TPA all original bills, receipts and other documents
upon which a claim is based and shall also give the TPA/Us such additional information and
assistance as the TPA / We may require.
5.7 Any Medical Practitioner authorised by the TPA/Us shall be allowed to examine the Insured
Person, at our cost, if We deem Medically Necessary in connection with any claim.
5.8 FRAUD, MISREPRESENTATION, CONCEALMENT:

The policy shall be null and void, and no benefits shall be payable in the event of
misrepresentation, misdescription or nondisclosure of any material fact/particular if such
claim be in any manner fraudulent or supported by any fraudulent means or device whether
by the Insured Person or by any other person acting on his/her behalf.
5.9 MULTIPLE POLICIES:

If two or more policies are taken by You during a period from Us or other Insurers to
indemnify treatment costs, You shall have the right to require a settlement of Your claim in
terms of any of Your policies.
1. In all such cases Insurer who has issued the chosen Policy shall be obliged to settle
the claim as long as the claim is within the limits of and according to the terms of
chosen policy.
2. Policyholder having multiple policies shall also have the right to prefer claims from other
Policy/policies for the amounts disallowed under the earlier chosen Policy/Policies, even
if the Sum Insured is not exhausted. The Claim shall be settled subject to the terms and
conditions of the other Policy/Policies so chosen.
3. If the amount to be claimed exceeds the Sum Insured under a single policy after
considering the deductibles or co-pay, You shall have the right to choose Insurers
from whom You want to claim the balance amount.
4. You shall only be indemnified the Hospitalisation costs in accordance with the terms
and conditions of the chosen Policy.
Note: The Insured Person must disclose such other Insurance at the time of making a claim
under this Policy.
None of the provisions of this Clause shall apply for payments under Clause 3.5 of
the Policy.
5.10 RENEWAL CLAUSE:

We shall renew this Policy if You shall remit the requisite Premium to Us prior to expiry of
the Period of Insurance stated in the Schedule. The Renewal is subject to the rates & terms
prevalent at the time of Renewal.
We shall be entitled to decline Renewal if
1. We have withdrawn the Policy, in which event You shall have the option for Renewal
under any similar Policy being issued by Us, provided however, benefits payable shall
be subject to the terms contained in such other Policy; or
2. Any fraud, misrepresentation or suppression by You or any one acting on Your behalf
is found either in obtaining Insurance or subsequently in relation thereto, or non-
cooperation of the Insured Person; or
3. You fail to remit Premium for Renewal before expiry of the Period of Insurance. We
will accept Renewal of the Policy if it is effected within thirty days of the expiry of the
Period of Insurance. On such acceptance of Renewal, We however shall not be liable
for any claim arising out of Illness contracted or Injury sustained or Hospitalisation
commencing in the interim period after expiry of the earlier Policy and prior to date
of commencement of subsequent Policy.
Note: In case of revision including the premium, modification, or withdrawal of the Policy
a notice, by suitable mode of communication, will be provided to You 90 days before such
revision, modification or withdrawal. You will have the option to migrate to similar Health
Insurance Policy with Us at the time of renewal with all the accrued continuity benefits such
as waiver of waiting period etc. Provided the policy has been maintained without a break
as per portability guidelines prescribed by IRDAI.
There will be no loading on renewals on Individual claims experience basis .
5.11 ENHANCEMENT OF SUM INSURED:

You may seek enhancement of Sum Insured in writing before payment of premium for
renewal, which may be granted at Our discretion. Before granting such request for
enhancement of Sum Insured, We have the right to have You examined by a Medical
Practitioner authorized by Us or the TPA. Our consent for enhancement of Sum Insured is
dependent on the recommendation of the Medical Practitioner and subject to limits as
stated below:
Age <= 50 years Up to Sum Insured of 15 lakhs without Medical Examination.
Age 51-60 Years By two slabs without Medical Examination
Age 61 – 65 Years By one slab with Medical Examination
Enhancement of Sum Insured will not be considered for:
1) Any Insured Person over 65 years of age.

2) Any Insured Person who had undergone more than one Hospitalisation in the
preceding two years.
3) Any Insured Person suffering from one or more of the following Illnesses/Conditions:
a) Any chronic Illness
b) Any recurring Illness
c) Any Critical Illness
In respect of any enhancement of Sum Insured, exclusions 4.1, 4.2 and 4.3 would apply to
the additional Sum Insured from such date.
5.12 CUMLATIVE BONUS:

Cumulative Bonus could be carried over to the next year only if the renewal is effected
before, or within thirty days of, expiry of the Policy.
5.13 CANCELLATION CLAUSE:

We may at any time cancel the Policy on grounds of misrepresentation, fraud, non-
disclosure of material fact or non-cooperation by you by sending fifteen days’ notice in
writing by Registered A/D to you at the address stated in the Policy. Even if there are several
insured persons, notice will be sent to you.
On such cancellation, premium corresponding to the unexpired period of Insurance will be

refunded, if no claim has been made or paid under the Policy
You may at any time cancel this Policy and in such event We shall allow refund of premium,
if no claim has been made or paid under the Policy, at Our short period rate table given
below:
PERIOD ON RISK RATE OF PREMIUM TO BE CHARGED (RETAINED)

Up to one month 1/4th of the annual rate
Up to three months 1/2 of the annual rate
Up to six months 3/4th of the annual rate
Exceeding six months Full annual rate
5.14 FREE LOOK PERIOD:

The free look period shall be applicable at the inception of the first New India Mediclaim
Policy.
You will be allowed a period of fifteen days from the date of receipt of the Policy to review
the terms and conditions of the Policy and to return the same if not acceptable.
If You have not made any claim during the free look period, You shall be entitled to:
1. A refund of the premium paid less any expenses incurred by Us on medical
examination and the stamp duty charges or;
2. where the risk has already commenced and the option of return of the policy is
exercised by You, a deduction towards the proportionate risk premium for period on
cover or;
3. Where only a part of the risk has commenced, such proportionate risk premium
commensurate with the risk covered during such period.
5.15 ARBITRATION:
If We admit liability for any claim but any difference or dispute arises as to the amount
payable for any claim the same shall be decided by reference to Arbitration.
The Arbitrator shall be appointed in accordance with the provisions of the Arbitration and
Conciliation Act, 1996.
No reference to Arbitration shall be made unless We have Admitted Our liability for a claim
in writing.
If a claim is declined and within twelve calendar months from such disclaimer any suit or
proceeding is not filed then the claim shall for all purposes be deemed to have been
abandoned and shall not thereafter be recoverable hereunder.
5.16 PROTECTION OF POLICY HOLDERS’ INTEREST:

This policy is subject to IRDAI (Protection of Policyholders’ Interests) Regulation, 2017.
5.17 SETTLEMENT/REJECTION OF CLAIM:

i. We shall settle or reject a claim, as may be the case, within thirty days of the receipt of
the last ‘necessary’ document.
ii. While efforts will be made by Us to not call for any document not listed in Clause 5.5,
where any additional document or clarification is necessary to take a decision on the
claim, such additional documents will be called for.
iii. All necessary claim documents pertaining to Hospitalization should be furnished by the
Insured Person in original to the TPA (as mentioned in the Schedule), within seven days
from the date of discharge from the Hospital. However, claims filed even beyond such
period will be considered if there are valid reasons for delay in submission.
a. In case of any deficiency in submission of documents, the TPA shall issue a
deficiency request.
b. In case of non-submission of documents requested in the deficiency request
within seven days from the date of receipt of the deficiency request, three
reminders shall be sent by the TPA at an interval of seven days each.
c. The claim shall stand repudiated if the documents, mandatory for taking the
decision of admissibility of the Claim, are not submitted within seven days of the
third reminder.
If the required documents are such that it does not affect the admissibility of the
claim and is limited to payment of certain expenditure only, the Claim will be paid
after reducing such amount from the admissible amount.
iv. In the case of delay in the payment of a claim, We shall be liable to pay interest from the
date of receipt of last necessary document to the date of payment of claim at a rate 2%
above the bank rate.
v. However, where the circumstances of a claim warrant an investigation in the opinion of the
Insurer, We shall initiate and complete such investigation at the earliest, in any case not
later than 30 days from the date of receipt of last necessary document. In such cases, We
shall settle the claim within 45 days from the date of receipt of last necessary document.
vi. In case of delay beyond stipulated 45 days, We shall be liable to pay interest at a rate 2%
above the bank rate from the date of receipt of last necessary document to the date of
payment of claim.
5.18 PORTABILITY:
This policy is subject to portability guidelines issued by IRDAI and as amended from time to
time.
5.19 GRIEVANCE REDRESSAL:

In the event of Your having any grievance relating to the insurance or any claim thereunder,
You may contact any of the Customer Care Cells at Regional Offices of the Company or
Office of the Insurance Ombudsman under the jurisdiction of which the Policy Issuing Office
falls. The contact detail of the office of the Insurance Ombudsman is provided in the
Annexure III.
Senior Citizens may write to seniorcitizencare.ho@newindia.co.in
ANNEXURE I: LIST OF DAY CARE PROCEDURES:
1 Stapedotomy 2 Excision And Destruction Of A Lingual Tonsil

Other Operations On The Tonsils And
3 Stapedectomy 4
Adenoids
5 Revision Of A Stapedectomy 6 Incision On Bone, Septic And Aseptic
Closed Reduction On Fracture, Luxation Or
7 Other Operations On The Auditory Ossicles 8
Epiphyseolysis With Osteosynthesis
Suture And Other Operations On Tendons
9 Myringoplasty (Type -I Tympanoplasty) 10
And Tendon Sheath
Tympanoplasty (Closure Of An Eardrum
11 Perforation/Reconstruction Of The Auditory 12 Reduction Of Dislocation Under Ga
Ossicles)
13 Revision Of A Tympanoplasty 14 Arthroscopic Knee Aspiration
Other Microsurgical Operations On The
15 16 Incision Of The Breast
Middle Ear
17 Myringotomy 18 Operations On The Nipple
Incision And Excision Of Tissue In The
19 Removal Of A Tympanic Drain 20
Perianal Region
Incision Of The Mastoid Process And Middle
21 22 Surgical Treatment Of Anal Fistulas
Ear
23 Mastoidectomy 24 Surgical Treatment Of Haemorrhoids
Division Of The Anal Sphincter
25 Reconstruction Of The Middle Ear 26
(Sphincterotomy)
27 Other Excisions Of The Middle And Inner Ear 28 Other Operations On The Anus
29 Fenestration Of The Inner Ear 30 Ultrasound Guided Aspirations
31 Revision Of A Fenestration Of The Inner Ear 32 SclerotherapyEtc
Incision (Opening) And Destruction
33 34 Incision Of The Ovary
(Elimination) Of The Inner Ear
Other Operations On The Middle And Inner
35 36 Insufflation Of The Fallopian Tubes
Ear
Excision And Destruction Of Diseased Tissue
37 38 Other Operations On The Fallopian Tube
Of The Nose
Operations On The Turbinates (Nasal
39 40 Dilatation Of The Cervical Canal
Concha)
41 Other Operations On The Nose 42 Conisation Of The Uterine Cervix
43 Nasal Sinus Aspiration 44 Other Operations On The Uterine Cervix
45 Incision Of Tear Glands 46 Incision Of The Uterus (Hysterotomy)
47 Other Operations On The Tear Ducts 48 Therapeutic Curettage
49 Incision Of Diseased Eyelids 50 Culdotomy
51 52 Incision Of The Vagina
Of The Eyelid
Local Excision And Destruction Of Diseased
53 Operations On The Canthus And Epicanthus 54 Tissue Of The Vagina And The Pouch Of
Douglas
Corrective Surgery For Entropion And
55 56 Incision Of The Vulva
Ectropion
57 Corrective Surgery For Blepharoptosis 58 Operations On Bartholin’S Glands (Cyst)
Removal Of A Foreign Body From The
59 60 Incision Of The Prostate
Conjunctiva
Transurethral Excision And Destruction Of
61 Removal Of A Foreign Body From The Cornea 62
Prostate Tissue
Transurethral And Percutaneous Destruction
63 Incision Of The Cornea 64
Of Prostate Tissue
Open Surgical Excision And Destruction Of
65 Operations For Pterygium 66
Prostate Tissue
67 Other Operations On The Cornea 68 Radical Prostatovesiculectomy
Removal Of A Foreign Body From The Lens Other Excision And Destruction Of Prostate
69 70
Of The Eye Tissue
Removal Of A Foreign Body From The
71 72 Operations On The Seminal Vesicles
Posterior Chamber Of The Eye
Removal Of A Foreign Body From The Orbit
73 74 Incision And Excision Of Periprostatic Tissue
And Eyeball
75 Operation Of Cataract 76 Other Operations On The Prostate
Incision Of The Scrotum And Tunica Vaginalis
77 Incision Of A Pilonidal Sinus 78
Testis
Other Incisions Of The Skin And
79 80 Operation On A Testicular Hydrocele
Subcutaneous Tissues
Local Excision Of Diseased Tissue Of The Skin Excision And Destruction Of Diseased Scrotal
81 82
And Subcutaneous Tissues Tissue
Other Excisions Of The Skin And Plastic Reconstruction Of The Scrotum And
83 84
Subcutaneous Tissues Tunica Vaginalis Testis
Simple Restoration Of Surface Continuity Of Other Operations On The Scrotum And
85 86
The Skin And Subcutaneous Tissues Tunica Vaginalis Testis
87 Free Skin Transplantation, Donor Site 88 Incision Of The Testes
89 Free Skin Transplantation, Recipient Site 90
Of The Testes
91 Revision Of Skin Plasty 92 Unilateral Orchidectomy
Other Restoration And Reconstruction Of
93 94 Bilateral Orchidectomy
The Skin And Subcutaneous Tissues
95 Chemosurgery To The Skin 96 Orchidopexy
Destruction Of Diseased Tissue In The Skin
97 98 Abdominal Exploration In Cryptorchidism
And Subcutaneous Tissues
Incision, Excision And Destruction Of Surgical Repositioning Of An Abdominal
99 100
Diseased Tissue Of The Tongue Testis
101 Partial Glossectomy 102 Reconstruction Of The Testis
Implantation, Exchange And Removal Of A

103 Glossectomy 104
Testicular Prosthesis
105 Reconstruction Of The Tongue 106 Other Operations On The Testis
Surgical Treatment Of A Varicocele And A
107 Other Operations On The Tongue 108
Hydrocele Of The Spermatic Cord
Incision And Lancing Of A Salivary Gland And
109 110 Excision In The Area Of The Epididymis
A Salivary Duct
Excision Of Diseased Tissue Of A Salivary
111 112 Epididymectomy
Gland And A Salivary Duct
113 Resection Of A Salivary Gland 114 Reconstruction Of The Spermatic Cord
Reconstruction Of A Salivary Gland And A Reconstruction Of The Ductus Deferens And

115 116
Salivary Duct Epididymis
Other Operations On The Salivary Glands Other Operations On The Spermatic Cord,
117 118
And Salivary Ducts Epididymis And Ductus Deferens
External Incision And Drainage In The Region
119 120 Operations On The Foreskin
Of The Mouth, Jaw And Face
Local Excision And Destruction Of Diseased
121 Incision Of The Hard And Soft Palate 122
Tissue Of The Penis
Excision And Destruction Of Diseased Hard
123 124 Amputation Of The Penis
And Soft Palate
Incision, Excision And Destruction In The
125 126 Plastic Reconstruction Of The Penis
Mouth
127 Plastic Surgery To The Floor Of The Mouth 128 Other Operations On The Penis
129 Palatoplasty 130 Cystoscopical Removal Of Stones

131 Other Operations In The Mouth 132 Lithotripsy
Transoral Incision And Drainage Of A
133 134 Coronary Angiography
Pharyngeal Abscess
135 Tonsillectomy Without Adenoidectomy 136 Haemodialysis
137 Tonsillectomy With Adenoidectomy 138 Radiotherapy For Cancer
139Parenteral chemotherapy
ANNEXURE II: LIST OF EXPENSES EXCLUDED ("NON-MEDICAL")
SNO LIST OF EXPENSES EXCLUDED ("NON-MEDICAL") SUGGESTIONS

TOILETRIES/COSMETICS/ PERSONAL COMFORT OR CONVENIENCE ITEMS
1 HAIR REMOVAL CREAM Not Payable
2 BABY CHARGES (UNLESS SPECIFIED/INDICATED) Not Payable
3 BABY FOOD Not Payable
4 BABY UTILITES CHARGES Not Payable
5 BABY SET Not Payable
6 BABY BOTTLES Not Payable
7 BRUSH Not Payable
8 COSY TOWEL Not Payable
9 HAND WASH Not Payable
10 M01STUR1SER PASTE BRUSH Not Payable
11 POWDER Not Payable
12 RAZOR Payable
13 SHOE COVER Not Payable
14 BEAUTY SERVICES Not Payable
Essential and may be paid
specifically for cases who have
15 BELTS/ BRACES
undergone surgery of thoracic or
lumbar spine.
16 BUDS Not Payable
17 BARBER CHARGES Not Payable
18 CAPS Not Payable
19 COLD PACK/HOT PACK Not Payable
20 CARRY BAGS Not Payable
21 CRADLE CHARGES Not Payable
22 COMB Not Payable
23 DISPOSABLES RAZORS CHARGES ( for site preparations) Payable
24 EAU-DE-COLOGNE / ROOM FRESHNERS Not Payable
25 EYE PAD Not Payable
26 EYE SHEILD Not Payable
27 EMAIL / INTERNET CHARGES Not Payable
FOOD CHARGES (OTHER THAN PATIENT'S DIET PROVIDED
28 Not Payable
BY HOSPITAL)
29 FOOT COVER Not Payable
30 GOWN Not Payable
Essential in bariatric and varicose
vein surgery and should be
31 LEGGINGS
considered for these conditions
where surgery itself is payable.
32 LAUNDRY CHARGES Not Payable
33 MINERAL WATER Not Payable
34 OIL CHARGES Not Payable
35 SANITARY PAD Not Payable
36 SLIPPERS Not Payable
37 TELEPHONE CHARGES Not Payable
38 TISSUE PAPER Not Payable
39 TOOTH PASTE Not Payable
40 TOOTH BRUSH Not Payable
41 GUEST SERVICES Not Payable
42 BED PAN Not Payable
43 BED UNDER PAD CHARGES Not Payable
44 CAMERA COVER Not Payable
45 CLINIPLAST Not Payable
Not Payable/ Payable by the
46 CREPE BANDAGE
patient
47 CURAPORE Not Payable
48 DIAPER OF ANY TYPE Not Payable
Not Payable ( However if CD is
49 DVD, CD CHARGES specifically sought by In
surer/TPA then payable)
50 EYELET COLLAR Not Payable
51 FACE MASK Not Payable
52 FLEXI MASK Not Payable
53 GAUSE SOFT Not Payable
54 GAUZE Not Payable
55 HAND HOLDER Not Payable
56 HANSAPLAST/ADHESIVE BANDAGES Not Payable
57 INFANT FOOD Not Payable
Reasonable costs for one sling in
58 SLINGS case of upper arm fractures
should be considered
ITEMS SPECIFICALLY EXCLUDED IN THE POLICIES
59 WEIGHT CONTROL PROGRAMS/ SUPPLIES/ SERVICES Not Payable
COST OF SPECTACLES/ CONTACT LENSES/ HEARING AIDS
60 Not Payable
ETC.,
DENTAL TREATMENT EXPENSES THAT DO NOT REQUIRE
61 Not Payable
HOSPITALISATION
62 HORMONE REPLACEMENT THERAPY Not Payable
63 HOME VISIT CHARGES Not Payable
INFERTILITY/ SUBFERTILITY/ ASSISTED CONCEPTION
64 Not Payable
PROCEDURE
OBESITY (INCLUDING MORBID OBESITY) TREATMENT IF
65 Not Payable
EXCLUDED IN POLICY
66 PSYCHIATRIC & PSYCHOSOMATIC DISORDERS Not Payable
67 CORRECTIVE SURGERY FOR REFRACTIVE ERROR Not Payable
68 TREATMENT OF SEXUALLY TRANSMITTED DISEASES Not Payable
69 DONOR SCREENING CHARGES Not Payable
70 ADMISSION/REGISTRATION CHARGES Not Payable
HOSPITALISATION FOR EVALUATION/ DIAGNOSTIC
71 Not Payable
PURPOSE
EXPENSES FOR INVESTIGATION/ TREATMENT IRRELEVANT
72 Not Payable
TO THE DISEASE FOR WHICH ADMITTED OR DIAGNOSED
ANY EXPENSES WHEN THE PATIENT IS DIAGNOSED WITH
73 RETRO VIRUS + OR SUFFERING FROM /HIV/ AIDS ETC IS Not Payable
DETECTED/ DIRECTLY OR INDIRECTLY
74 STEM CELL IMPLANTATION/ SURGERY and storage Not Payable
ITEMS WHICH FORM PART OF HOSPITAL SERVICES WHERE SEPARATE CONSUMABLES ARE NOT
PAYABLE BUT THE SERVICE IS
75 WARD AND THEATRE BOOKING CHARGES Payable under OT Charges, not
separately
Rental charged by the Hospital
76 ARTHROSCOPY & ENDOSCOPY INSTRUMENTS payable. Purchase of Instruments
Not Payable.
Payable under OT Charges, not
77 MICROSCOPE COVER
separately
78 SURGICAL BLADES, HARMONIC SCALPEL, SHAVER
separately
79 SURGICAL DRILL
separately
80 EYE KIT
separately
81 EYE DRAPE
separately
Payable under Radiology Charges,
82 X-RAY FILM
not as consumable
Payable under Investigation
83 SPUTUM CUP
Charges, not as consumable
Part of OT Charges, not
84 BOYLES APPARATUS CHARGES
separately
BLOOD GROUPING AND CROSS MATCHING OF DONORS
85 Part of Cost of Blood, not payable
SAMPLES
Not Payable - Part of Dressing
86 ANTISEPTIC OR DISINFECTANT LOTIONS
Charges
BAND AIDS, BANDAGES, STERLILE INJECTIONS, NEEDLES, Not Payable - Part of Dressing
87
SYRINGES charges
Not Payable -Part of Dressing
88 COTTON
Charges
Not Payable- Part of Dressing
89 COTTON BANDAGE
Charges
Not Payable – Part of Dressing
90 MICROPORE/ SURGICAL TAPE
Charges
91 BLADE Not Payable
92 APRON Not Payable
93 TORNIQUET Not Payable
Not Payable, Part of Dressing
94 ORTHOBUNDLE, GYNAEC BUNDLE
Charges
95 URINE CONTAINER Not Payable
ELEMENTS OF ROOM CHARGE
Actual tax levied by government
96 LUXURY TAX is payable. Part of room charge
for sub limits
Part of room charge, Not Payable
97 HVAC
separately
98 HOUSE KEEPING CHARGES
separately
SERVICE CHARGES WHERE NURSING CHARGE ALSO Part of room charge, Not Payable
99
CHARGED separately
100 TELEVISION & AIR CONDITIONER CHARGES
separately
101 SURCHARGES
separately
102 ATTENDANT CHARGES Part of room charge, Not Payable
separately
Part of nursing charge, Not
103 IM IV INJECTION CHARGES
Payable separately
Part of Laundry / Housekeeping,
104 CLEAN SHEET
Not Payable separately
EXTRA DIET OF PATIENT (OTHER THAN THAT WHICH Patient Diet provided by Hospital
105
FORMS PART OF BED CHARGE) is payable
106 BLANKET/WARMER BLANKET
separately
ADMINISTRATIVE OR NON - MEDICAL CHARGES
107 ADMISSION KIT Not Payable
108 BIRTH CERTIFICATE Not Payable
BLOOD RESERVATION CHARGES AND ANTE NATAL
109 Not Payable
BOOKING CHARGES
110 CERTIFICATE CHARGES Not Payable
111 COURIER CHARGES Not Payable
112 CONVENYANCE CHARGES Not Payable
113 DIABETIC CHART CHARGES Not Payable
114 DOCUMENTATION CHARGES / ADMINISTRATIVE EXPENSES Not Payable
115 DISCHARGE PROCEDURE CHARGES Not Payable
116 DAILY CHART CHARGES Not Payable
117 ENTRANCE PASS / VISITORS PASS CHARGES Not Payable
Payable under Post-
118 EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE
Hospitalisation where admissible
119 FILE OPENING CHARGES Not Payable
120 INCIDENTAL EXPENSES / MISC. CHARGES (NOT EXPLAINED) Not Payable
121 MEDICAL CERTIFICATE Not Payable
122 MAINTENANCE CHARGES Not Payable
123 MEDICAL RECORDS Not Payable
124 PREPARATION CHARGES Not Payable
125 PHOTOCOPIES CHARGES Not Payable
126 PATIENT IDENTIFICATION BAND / NAME TAG Not Payable
127 WASHING CHARGES Not Payable
128 MEDICINE BOX Not Payable
Payable up to 24 hrs, shifting
129 MORTUARY CHARGES
charges not payable
130 MEDICO LEGAL CASE CHARGES (MLC CHARGES) Not Payable
EXTERNAL DURABLE DEVICES
131 WALKING AIDS CHARGES Not Payable
132 BIPAP MACHINE Not Payable
133 COMMODE Not Payable
134 CPAP/ CAPD EQUIPMENTS Device not payable
135 INFUSION PUMP – COST Device not payable
136 OXYGEN CYLINDER (FOR USAGE OUTSIDE THE HOSPITAL) Not Payable
137 PULSEOXYMETER CHARGES Device not payable
138 SPACER Not Payable
139 SPIROMETRE Device not payable
140 SP02 PROBE Not Payable
141 NEBULIZER KIT Not Payable
142 STEAM INHALER Not Payable
143 ARMSLING Not Payable
144 THERMOMETER Not Payable
145 CERVICAL COLLAR Not Payable
146 SPLINT Not Payable
147 DIABETIC FOOT WEAR Not Payable
148 KNEE BRACES ( LONG/ SHORT/ HINGED) Not Payable
149 KNEE IMMOBILIZER/SHOULDER IMMOBILIZER Not Payable
Payable for surgery of lumbar
150 LUMBOSACRAL BELT
spine.
Payable for any ICU patient
requiring more than 3 days in
ICU, all patients with paraplegia
151 NIMBUS BED OR WATER OR AIR BED CHARGES
/quadriplegia for any reason and
at reasonable cost of
approximately Rs 200/day
152 AMBULANCE COLLAR Not Payable
153 AMBULANCE EQUIPMENT Not Payable
154 MICROSHEILD Not Payable
Essential and should be paid in
post-surgery patients of major
abdominal surgery including TAH,
155 ABDOMINAL BINDER LSCS, incisional hernia repair,
exploratory laparotomy for
intestinal obstruction, liver
transplant etc.
ITEMS PAYABLE IF SUPPORTED BY A PRESCRIPTION
BETADINE / HYDROGEN PEROXIDE / SPIRIT /
156 Not Payable
DISINFECTANTS ETC
PRIVATE NURSES CHARGES - SPECIAL NURSING CHARGES
157 Not Payable
POST HOSPITALIZATION NURSING CHARGES
NUTRITION PLANNING CHARGES - DIETICIAN CHARGESDIET Patient Diet provided by hospital
158
CHARGES is payable
Payable -Sugar free variants of
159 SUGAR FREE TABLETS admissible medicines are not
excluded
Payable when prescribed
(Toiletries are not payable, only
160 CREAMS POWDERS LOTIONS
prescribed medical
pharmaceuticals payable)
161 DIGESTION GELS Payable when prescribed
One set every second day is
162 ECG ELECTRODES
Payable.
Gloves payable / unsterilized
163 GLOVES STERILIZED
gloves not payable
164 HIV KIT payable Pre-operative screening
165 LISTERINE/ ANTISEPTIC MOUTHWASH Payable when prescribed
166 LOZENGES Payable when prescribed
167 MOUTH PAINT Payable when prescribed
If used during Hospitalisation is
168 NEBULISATION KIT
Payable reasonably
169 NOVARAPID Payable when prescribed
170 VOLINI GEL/ ANALGESIC GEL Payable when prescribed
171 ZYTEE GEL Payable when prescribed
Routine Vaccination not Payable /
172 VACCINATION CHARGES
Post Bite Vaccination Payable
PART OF HOSPITAL'S OWN COSTS AND NOT PAYABLE
Not Payable - Part of Hospital's
173 AHD
internal Cost
174 ALCOHOL SWABES
internal Cost
175 SCRUB SOLUTION/STERILLIUM
internal Cost
OTHERS
176 VACCINE CHARGES FOR BABY Not Payable
177 AESTHETIC TREATMENT / SURGERY Not Payable
178 TPA CHARGES Not Payable
179 VISCO BELT CHARGES Not Payable
ANY KIT WITH NO DETAILS MENTIONED [DELIVERY KIT,
180 Not Payable
ORTHOKIT, RECOVERY KIT, ETC]
181 EXAMINATION GLOVES Not payable
182 KIDNEY TRAY Not Payable
183 MASK Not Payable
184 OUNCE GLASS Not Payable
185 OUTSTATION CONSULTANT'S/ SURGEON'S FEES Not payable
186 OXYGEN MASK Not Payable
187 PAPER GLOVES Not Payable
Payable in case of PIVD requiring
188 PELVIC TRACTION BELT
traction
189 REFERAL DOCTOR'S FEES Not Payable
Not payable pre Hospitalisation
or post Hospitalisation / Reports
190 ACCU CHECK (GLUCOMETERY/ STRIPS)
and Charts required / Device not
payable
191 PAN CAN Not Payable
192 SOFNET Not Payable
193 TROLLY COVER Not Payable
194 UROMETER, URINE JUG Not Payable
195 AMBULANCE Payable
Payable - maximum of 3 in 48 hrs
196 TEGADERM / VASOFIX SAFETY
and then 1 in 24 hrs
Payable where Medically
197 URINE BAG Necessary - maximum 1 per 24
hrs
198 SOFTOVAC Not Payable
199 STOCKINGS Payable for case like CABG etc.
ANNEXURE III: CONTACT DETAILS OF INSURANCE OMBUDSMEN
Jurisdiction of Office
Office Details
(Union Territory, District)
AHMEDABAD -
Office of the Insurance Ombudsman,
2nd floor, Ambica House,
Near C.U. Shah College, Gujarat,
5, Navyug Colony, Ashram Road, Dadra & Nagar Haveli,
Ahmedabad – 380 014 Daman and Diu
Tel.: 079 - 27546150 / 27546139
Fax: 079 - 27546142
Email: bimalokpal.ahmedabad@gbic.co.in
BENGALURU -
Jeevan Soudha Building, PID No. 57-27-N-19,
Ground Floor, 19/19, 24th Main Road,
Karnataka
JP Nagar, Ist Phase,
Bengaluru – 560 078
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@gbic.co.in
BHOPAL -
Janak Vihar Complex, 2nd Floor,
6, Malviya Nagar, Opp. Airtel Office,
Madhya Pradesh
Near New Market,
Chattisgarh
Bhopal – 462 003
Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203
Email: bimalokpal.bhopal@gbic.co.in
BHUBANESHWAR - Shri. B. N. Mishra
62, Forest park,
Bhubneshwar – 751 009 Orissa
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Email: bimalokpal.bhubaneswar@gbic.co.in
CHANDIGARH -
Punjab,
S.C.O. No. 101, 102 & 103, 2nd Floor,
Haryana,
Batra Building, Sector 17 – D,
Himachal Pradesh,
Chandigarh – 160 017
Jammu & Kashmir,
Tel.: 0172 - 2706196 / 2706468
Chandigarh
Fax: 0172 - 2708274
Email: bimalokpal.chandigarh@gbic.co.in
CHENNAI -
Fatima Akhtar Court, 4th Floor, 453,
Tamil Nadu,
Anna Salai, Teynampet,
Pondicherry Town and
Chennai – 600 018
Karaikal (which are part of Pondicherry)
Tel.: 044 - 24333668 / 24335284
Fax: 044 - 24333664
Email: bimalokpal.chennai@gbic.co.in
DELHI - Smt. Sandhya Baliga
2/2 A, Universal Insurance Building,
Asaf Ali Road,
Delhi
New Delhi – 110 002
Tel.: 011 - 23239633 / 23237532
Fax: 011 - 23230858
Email: bimalokpal.delhi@gbic.co.in
GUWAHATI -
Office of the Insurance Ombudsman, Assam,
Jeevan Nivesh, 5th Floor, Meghalaya,
Nr. Panbazar over bridge, S.S. Road, Manipur,
Guwahati – 781001 Mizoram,
Tel.: 0361 - 2132204 / 2132205 Arunachal Pradesh,
Fax: 0361 - 2732937 Nagaland and Tripura
Email: bimalokpal.guwahati@gbic.co.in
HYDERABAD -
6-2-46, 1st floor, "Moin Court",
Andhra Pradesh,
Lane Opp. Saleem Function Palace,
Telangana,
A. C. Guards, Lakdi-Ka-Pool,
Yanam and
Hyderabad - 500 004
part of Territory of Pondicherry
Tel.: 040 - 65504123 / 23312122
Fax: 040 - 23376599
Email: bimalokpal.hyderabad@gbic.co.in
JAIPUR - Shri. Ashok K. Jain
Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg, Rajasthan
Jaipur - 302 005
Tel.: 0141 - 2740363
Email: bimalokpal.jaipur@gbic.co.in
ERNAKULAM -
2nd Floor, Pulinat Bldg.,
Kerala,
Opp. Cochin Shipyard, M. G. Road,
Lakshadweep,
Ernakulam - 682 015
Mahe - a part of Pondicherry
Tel.: 0484 - 2358759 / 2359338
Fax: 0484 - 2359336
Email: bimalokpal.ernakulam@gbic.co.in
KOLKATA - Shri. K. B. Saha
Hindustan Bldg. Annexe, 4th Floor,
West Bengal,
4, C.R. Avenue,
Sikkim,
KOLKATA - 700 072
Andaman & Nicobar Islands
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
Email: bimalokpal.kolkata@gbic.co.in
Districts of Uttar Pradesh :
Laitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot,
LUCKNOW - Shri. N. P. Bhagat
Allahabad, Mirzapur, Sonbhabdra, Fatehpur,
Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun,
6th Floor, Jeevan Bhawan, Phase-II,
Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur,
Nawal Kishore Road, Hazratganj,
Bahraich, Barabanki, Raebareli, Sravasti, Gonda,
Lucknow - 226 001
Faizabad, Amethi, Kaushambi, Balrampur, Basti,
Tel.: 0522 - 2231330 / 2231331
Ambedkarnagar, Sultanpur, Maharajgang,
Fax: 0522 - 2231310
Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur,
Email: bimalokpal.lucknow@gbic.co.in
Deoria, Mau, Ghazipur, Chandauli, Ballia,
Sidharathnagar
MUMBAI -
3rd Floor, Jeevan Seva Annexe,
Goa,
S. V. Road, Santacruz (W),
Mumbai Metropolitan Region
Mumbai - 400 054
excluding Navi Mumbai & Thane
Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052
Email: bimalokpal.mumbai@gbic.co.in
NOIDA - Shri. Ajesh Kumar State of Uttaranchal and the following Districts of
Office of the Insurance Ombudsman, Uttar Pradesh:
Bhagwan Sahai Palace Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun,
4th Floor, Main Road, Bulandshehar, Etah, Kanooj, Mainpuri, Mathura,
Naya Bans, Sector 15, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit,
Distt: Gautam Buddh Nagar, Etawah, Farrukhabad, Firozbad, Gautambodhanagar,
U.P-201301 Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli,
Tel.: 0120-2514250 / 2514252 / 2514253 Rampur, Kashganj, Sambhal, Amroha, Hathras,
Email: bimalokpal.noida@gbic.co.in Kanshiramnagar, Saharanpur
PATNA - Shri. Sadasiv Mishra
1st Floor,Kalpana Arcade Building,,
Bazar Samiti Road, Bihar,
Bahadurpur, Jharkhand
Patna 800 006
Tel.: 0612-2680952
Email: bimalokpal.patna@gbic.co.in
PUNE - Shri. A. K. Sahoo
Jeevan Darshan Bldg., 3rd Floor,
C.T.S. No.s. 195 to 198, Area of Navi Mumbai and Thane
N.C. Kelkar Road, Narayan Peth, excluding Mumbai Metropolitan Region
Pune – 411 030
Tel.: 020-41312555
Email: bimalokpal.pune@gbic.co.in

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THE NEW INDIA ASSURANCE CO. LTD.

NEW INDIA MEDICLAIM POLICY

This Policy states:-

How much we will reimburse

What are Excluded under this Policy

- has qualified nursing staff under its employment;

2.14 DOMICILIARY HOSPITALISATION means medical treatment for an Illness/Injury which in

2.24 MATERNITY EXPENSES means:

a. Medical Treatment Expenses traceable to childbirth (including complicated deliveries

2.33 PRE-EXISTING CONDITION/DISEASE means any condition, ailment or Injury or related

2.38.3 RENAL TRANSPLANTATION: Kidney transplantation is a surgical procedure to

2.44 SURGERY OR SURGICAL PROCEDURE means manual and/or operative procedure(s)

2.46 UNPROVEN/EXPERIMENTAL TREATMENT means treatment including drug experimental

2.48 WE/OUR/US/COMPANY means The New India Assurance Co. Ltd.

3. HOW MUCH WE WILL REIMBURSE

3.3 LIMIT ON PAYMENT FOR CATARACT:

3.4 TREATMENTS UNDER AYURVEDIC / HOMEOPATHIC / UNANI SYSTEMS

3.5 HOSPITAL CASH

3.6 ADDITIONAL BENEFIT - HEALTH CHECK-UP

3.7 PAYMENT OF AMBULANCE CHARGES

3.8 PAYMENTS ONLY IF INCLUDED IN HOSPITAL BILL

3.9 MEDICAL EXPENSES FOR ORGAN TRANSPLANT:

3.10 REINSTATEMENT OF SUM INSURED

3.11 DAY ONE BABY COVER

3.12 MEDICAL EXPENSES INCURRED UNDER TWO POLICY PERIODS:

3.13 OPTIONAL COVER I: NO PROPORTIONATE DEDUCTION

3.14 OPTIONAL COVER II: MATERNITY EXPENSES BENEFIT

Special conditions applicable to Maternity Expenses Benefit:

3.15 OPTIONAL COVER III: REVISION IN LIMIT OF CATARACT

On payment of additional Premium as mentioned in Schedule, it is declared and agreed

3.16 OPTIONAL COVER IV: VOLUNTARY CO-PAY

3.17 CUMULATIVE BONUS

4. WHAT ARE EXCLUDED UNDER THIS POLICY

1. Joint Replacement due to Degenerative Condition

are not payable.

4.4.3 Vaccination and/or inoculation.

4.4.4 Cost of braces, equipment or external prosthetic devices, non-durable implants,

4.4.7 Congenital Internal and External Disease or Defects or anomalies.

4.4.14 Naturopathy and Siddha Treatments.

4.4.16 Any expenses relating to cost of items detailed in Annexure II.

4.4.17 Genetic disorders and stem cell implantation/Surgery.

4.4.18 Domiciliary Hospitalisation.

4.4.19 Acupressure, acupuncture, magnetic therapies

4.4.20 Experimental or unproven treatments/ therapies.

5.3 PLACE OF TREATMENT AND PAYMENT:

Admissible claims shall be payable only in Indian Rupees.

Communications you wish to rely upon must be in writing.

5.5 NOTICE OF CLAIM:

a. Intimate TPA in writing on detection of any Illness/Injury being suffered immediately or

i. Bill, Receipt and Discharge certificate / card from the Hospital.

Waiver of delay may be considered in extreme cases of hardship, but only if it is

5.8 FRAUD, MISREPRESENTATION, CONCEALMENT:

5.9 MULTIPLE POLICIES:

5.10 RENEWAL CLAUSE:

We shall be entitled to decline Renewal if

There will be no loading on renewals on Individual claims experience basis .

5.11 ENHANCEMENT OF SUM INSURED:

Enhancement of Sum Insured will not be considered for:

1) Any Insured Person over 65 years of age.

5.12 CUMLATIVE BONUS: