HEALTH  INSURANCE :

Different  types of Health Insurance plans with different names are introduced by Insurance Company. However, all these plans have certain common basic features. Health Insurance policy is available both on an Individual and group basis.

Under Health Insurance policy insurance company provide re-imbursement for medical expenses or ensure cashless treatment at network hospital for accidental injuries or illness.

Common basic features:-

Health insurance covers for hospitalisation expenses for illness /disease accidental injury sustained during the policy period.

Health Insurance policy pays for expenses incurred as:

Room boarding expenses in hospital.

Nursing expenses, surgeon, anaesthesia, medical practitioner, consultants, specialists fees.

Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, diagnostic tests, etc..

Waiting period :

All diseases/injuries which are pre-existing when the cover incepts for the first time. (covers after waiting period of maximum 48 months)

Any disease/illness contracted by the insured person during the 1st 30 days from the commencement date of the policy.

Claims arising out of …..howsoever connected to the following are excluded for 1st 24 months, from the commencement date of the health policy :- like cataract, berign prostatic hypertrophy, hysterectomy, hernia, hyrocele, congenital internal disease, fistula, piles, sinusitis, tonsigtis, stones in urinary and biliary system etc.

Joint replacement covers after 48 months.

Permanent exclusion :

Dental treatment or surgery of any kind unless necessitated by an acute traumatic injury or cancer and also require hospitalisation.

Any treatment arising from or traceable to pregnancy

Circumcision unless required for the treatment of illness or illness or accidental bodily injury.

Cosmetic or aesthetic treatment of any description, surgery for changes of life/gender.

Vaccination or inoculation unless forming a part of treatment.

Any fertility, sub-fertility, infertility, sterility, erectile disinfection

Experimental, unproven or non-standard treatment.

Weight management services and treatment related to weight reduction, including treatment of obesity.

Intentional self-injury

Ailment requiring treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addition.

Skin, cosmetic or aesthetic treatment of any description.

Medical expenses relating to any hospitalisation primarily and specifically for diagnostic x-ray or laboratory examinations and investigations.

Congenital external disease or defects or anomalies, genetic disorders stem cell implantation or surgery or growth harmonic therapy.