CIS Health Suraksha

HDFC ERGO General Insurance Company Limited
Policy Wording
HEALTH SURAKSHA POLICY

HDFC ERGO General Insurance Company Limited will provide the insurance cover
detailed in the Policy to the Insured Person up to the Sum Insured subject to the
terms and conditions of this Policy, Your payment of premium and realisation thereof
by us, and Your statements in the Proposal, which is incorporated into the Policy and
is the basis of it.
2.
Arthritis, Gout and Rheumatism,
3.
Chronic Nephritis and Nephritic Syndrome,
4.
Diarrhoea and all type of Dysenteries including Gastroenteritis,
SECTION. 1. BENEFITS
5.
Diabetes Mellitus and Insupidus,
Claims made in respect of any of the benefits below will be subject to the Basic Sum
Insured and will affect the entitlement to a Renewal Incentive.
6.
Epilepsy,
7.
Hypertension,
If any Insured Person suffers an Illness or Accident during the Policy Period that
requires that Insured Person's Hospitalisation as an inpatient, then We will pay:
8.
Psychiatric or Psychosomatic Disorders of all kinds,
i.
9.
Pyrexia of unknown Origin.
In-patient Treatment
The Medical Expenses for:
a.
Room rent, boarding expenses,
b.
Nursing,
c.
Intensive care unit,
d.
A Medical Practitioner,
e.
Anaesthesia, blood, oxygen, operation theatre charges, surgical

appliances,
f.
Medicines, drugs and consumables,
g.
Diagnostic procedures,
h.
The Cost of prosthetic and other devices or equipment if implanted

internally during a Surgical Procedure.
vi.
vii.
ii.
Organ Donor
The Medical Expenses for an organ donor's treatment for the harvesting of the
organ donated, provided that:
i.
The organ donor is any person in accordance with The Transplantation of

Human Organs Act, 1994 (amended) and other applicable laws and
rules,
ii.
The organ donated is for the use of the Insured Person, and
iii.
We will not pay the donor's pre- and post-hospitalisation expenses or any
other medical treatment for the donor consequent on the harvesting, and
iv.
We have accepted an inpatient Hospitalisation claim under Benefit 1i).
Pre-Hospitalisation
The Medical Expenses incurred due to an Illness in 60 days immediately
before the Insured Person was Hospitalised, provided that:
Emergency Ambulance
We will reimburse the expenses incurred on an ambulance offered by a
healthcare or ambulance service provider used to transfer the Insured Person
to the nearest Hospital with adequate emergency facilities for the provision of
health services following an emergency (namely a sudden, urgent,
unexpected occurrence or event, bodily alteration or occasion requiring
immediate medical attention), provided that:
a.
Such Medical Expenses were in fact incurred for the same condition for
which the Insured Person's subsequent Hospitalisation was required,
and
a.
Our maximum liability shall be restricted to the amount mentioned in the

Schedule of Benefits, and
b.
b.
We have accepted an inpatient Hospitalisation claim under Benefit 1i) or

Benefit 1iv)
We have accepted an inpatient Hospitalisation claim under Benefit 1i) &

1viii).
We will not cover Emergency Ambulance expenses for

iii.
Post-hospitalisation
The Medical Expenses incurred in 90 days immediately after the Insured
Person was discharged post Hospitalisation provided that:
a.
b.
iv.
v.
Such costs are incurred in respect of the same condition for which the
Insured Person's earlier Hospitalisation was required, and
We have accepted an inpatient Hospitalisation claim under Benefit 1i) or
Benefit 1iv).
Day Care Procedures

The Medical Expenses for a day care procedure or surgery mentioned in the
list of Day Care Procedures in this Policy where the procedure or surgery is
taken by the Insured Person as an inpatient for less than 24 hours in a Hospital
(but not the outpatient department of a Hospital). The expenses on Day Care
Treatment at a healthcare facility which is NOT a Hospital will not be covered.
Domiciliary Treatment
The Medical Expenses incurred by an Insured Person for medical treatment
taken at his home which would otherwise have required Hospitalisation
because, on the advice of the attending Medical Practitioner, the Insured
Person could not be transferred to a Hospital or a Hospital bed was
unavailable, and provided that:
a.
The condition for which the medical treatment is required continues for at
least 3 days, in which case We will pay the Medical Expenses of any
necessary medical treatment for the entire period, and
b.
If We accept a claim under this Benefit We will not make any payment for
Post-Hospitalisation expenses but We will pay Pre-hospitalisation
expenses for up to 60 days in accordance with1 ii) above, and
c.
No payment will be made if the condition for which the Insured Person
requires medical treatment is:
1.
1.
Claims which have NOT been admitted under 1 i) and 1 iv)
2.
A non- Emergency
3.
NON registered healthcare or ambulance service provider ambulances.
viii. AYUSH Benefit

We will reimburse the expenses incurred as the Medical Expenses for Inpatient treatment taken under Ayurveda, Unani, Sidha or Homeopathy in a
government hospital or in any institute recognized by government and/or
accredited by Quality Council of India/ National Accreditation Board on Health
or any other suitable institutions provided that:
ix.
i.
Hospitalisation is not for any evaluation or investigation
ii.
If We accept any claim under this benefit, then We will not make any
payment under allopathic treatment of the same Insured Person and the
same Illness or Accident under this policy.
Newborn baby
We will cover Medical Expenses for any medically necessary treatment
described as Inpatient treatment Benefit while the Insured Person (the
Newborn baby) is Hospitalised during the Policy Period as an inpatient
provided a proposal form is submitted for the insurance of the newborn baby
within 90 days after the birth, and We have accepted the same and received
the premium sought.
Under this benefit, Coverage for newborn baby will incept from the date the
premium has been received.
The coverage is subject to the policy exclusions, terms and conditions.
This Benefit is applicable if Maternity benefit is opted and We have accepted a
maternity claim under this Policy.
Asthma, Bronchitis, Tonsillitis and Upper Respiratory Tract

infection including Laryngitis and Pharyngitis, Cough and Cold,
Influenza,
Registered & Corporate Office: 1st Floor, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai 400 020. Customer Service Address: 6th Floor,
Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai 400 059. Toll-free: 1800 2 700 700 (Accessible from India only) | Fax: 91 22 66383699 |
[email protected] | www.hdfcergo.com CIN : U66010MH2002PLC134869. IRDA Reg No. 125.

Policy Wording

Optional Benefits
iv.
SECTION. 2. OPTIONAL BENEFITS (AVAILABLE IN SELECTIVE PLANS ON

PAYMENT OF ADDITIONAL PREMIUM)
Claims made in respect of any of the benefits below will not be subject to the Basic
Sum Insured and will not affect the entitlement to a Renewal Incentive.
The benefits below are optional and each is only effective if shown in the Schedule to
be effective.
i.
Our maximum liability per delivery or termination shall be limited to the

amount specified in the Schedule of Benefits, and
b.
We will pay the Medical Expenses of pre-natal and post-natal expenses

per delivery or termination upto the amount stated in the Schedule of
Benefits, and
c.
ii.
b.
Maternity Expenses
We will pay the Medical Expenses for a delivery (including caesarean section)
while Hospitalised or the lawful medical termination of pregnancy during the
Policy Period from the commencement of the first Health Suraksha policy with
us, limited upto 2 deliveries; or 1 delivery & 1 termination; or 2 terminations
during the lifetime of the Insured Person, provided that:
a.
We will cover the Medical Expenses incurred for the medically necessary
treatment of the new born baby upto the amount stated in the Schedule
of Benefits unless the new born baby is covered under 1 ix),
d.
This benefit is available for Self or Spouse (as may be applicable) in a

family floater under this policy, and
e.
Pre- and post-hospitalisation expenses under 1ii) and 1iii) are not
covered under this benefit, and
f.
The Insured Person must have been an Insured Person under Health
Suraksha Policy for a period of 4 years continuously and without any
break, and
g.
We will not cover ectopic pregnancy under this benefit (although it shall
be covered under 1i)).
v.
Our maximum liability shall be limited to the amount specified in the

b.
We will only pay for X-rays, extractions, amalgam or composite fillings,

root canal treatments and prescribed drugs for the same, and
iii.
i.
We will not pay for any dental treatment that comprises cosmetic surgery,
dentures, dental prosthesis, dental implants, orthodontics, orthognathic
surgery, jaw alignment or treatment for the temporomandibular (jaw)
joint, or upper and lower jaw bone surgery and surgery related to the
temporomandibular (jaw) unless necessitated by an acute traumatic
injury due to an accident or cancer.
Spectacles, Contact Lenses, Hearing Aid

In every third year that an Insured Person is insured without a break under a
Health Suraksha Policy with Us, We will pay up to 50% of the actual cost of
either:
a.
One pair of spectacles or contact lenses, or
b.
A hearing aid, excluding batteries.
1.
It is entirely for the Insured Person to decide whether to obtain an Eopinion, from which person from Our Panel to take the E-opinion
and the use (if any) to which the E-opinion so obtained is put.
2.
We do not provide an E-opinion or make any representation as to

the adequacy or accuracy of the same, the Insured Person's or any
other person's reliance on the same, or the use to which the Eopinion is put.
3.
We assume no responsibility for and will not be responsible for any

actual or alleged errors, omissions or representations made by any
Medical Practitioner or in any E-opinion or for any consequences of
any action taken or not taken in reliance thereon.
Convalescence Benefit
If We have accepted a claim under Benefit 1 i) and the period of hospitalisation
has exceeded 10 consecutive and continuous days, then We will pay a
lumpsum amount towards convalescence, provided that Our maximum
liability will be limited to the amounts specified in the Schedule of benefits.
Claims made in respect of any of the benefits below will not be subject to the Basic
Sum Insured and will not affect the entitlement to a Renewal Incentive.
ii.
c.
In opting for this benefit and deciding to obtain an E-opinion, each

Insured Person expressly notes and agrees that:
SECTION 3. CRITICAL ILLNESS BENEFIT OPTIONAL BENEFIT
Outpatient Dental Treatment

If You renew this Policy with Us for 3 consecutive years without a break, then
from the fourth year onwards We will pay 50% of the reasonable costs of any
necessary dental treatment taken from a Network dentist by an Insured
Person who has been covered under this policy benefit for the previous 3
Policy Years, provided that:
a.
E-Opinion in respect of a Critical Illness

a.
If an Insured Person suffers a Critical Illness during the Policy Period,
and no previous claim has been made for this E-Opinion benefit in the
Policy Period, then at the Insured Person's request, We will arrange a
second opinion from a Medical Practitioner selected by the Insured
Person from Our panel. The second opinion will be based only on the
information and documentation provided to the Medical Practitioner by
or on behalf of the Insured Person, and the second opinion will be sent
directly to the Insured Person by the Medical Practitioner.
If the Schedule shows that the Critical Illness benefit is effective, then We will
pay the Critical Illness Sum Insured as a lump sum in addition to Our payment
under 1)i), provided that:
a.
The Insured Person is first diagnosed as suffering from a Critical Illness

during the Policy Period, and
b.
The Insured Person survives for at least 30 days following such

diagnosis.
We will not make any payment if:

a.
The Insured Person is first diagnosed as suffering from a Critical Illness

within 90 days of the commencement of the Policy Period or the Insured
Person has not previously been insured continuously and without
interruption under this Health Suraksha Policy.
b.
This benefit shall automatically terminate upon the occurrence of Critical

Illness, without prejudice of Our obligation to make payment, with
reference to that Insured Person.
c.
If mentioned in the policy schedule this benefit will be applicable to the

eldest member of the family
iii.
Benefits under section 1 and 2( if opted) will continue even after payout under
Section 3. Insured will be eligible for any claim under Section 1 and 2 upto our
maximum liability restricted to the amount stated in schedule of benefits.
iv.
This benefit will be provided with a life-long renewability
Provided that:
SECTION 4. HOSPITAL DAILY CASH BENEFIT OPTIONAL BENEFIT
i.
If the costs claimed are incurred as Outpatient Treatment expenses then

these items must be prescribed by a Network EYE/ENT specialised
Medical Practitioner, and
Claims made in respect of any of the benefits below will not be subject to the Sum
Insured. However would not be entitled to avail cumulative bonus in the subsequent
year
ii.
Our maximum liability shall be limited to the amount mentioned in the

iii.
Under a Family Floater, Our liability shall be limited to either one pair of
spectacles or hearing aid per family.
If the Schedule shows that the Hospital Daily Cash benefit is effective, then We will
pay a daily cash amount for each continuous and completed period of 24 hours that
the Insured Person is Hospitalised in addition to Our payment under 1)I), provided
that:
a.
We will pay twice the daily cash amount for each continuous and completed

Policy Wording

period of 24 hours that the Insured Person spends in an intensive care unit,
subject to a maximum of seven days.
b.
Our maximum liability shall be restricted to the amount mentioned in the

c.
We have accepted an inpatient Hospitalisation claim under Benefit 1i), and
d.
If mentioned in the policy schedule this benefit will be applicable to the eldest
member of the family
bonus to the next Policy Year by automatically increasing the Sum

Insured for the next Policy Year by 5% of the Basic Sum Insured for this
Policy Year. The maximum cumulative bonus shall not exceed 50% of the
Basic Sum Insured in any Policy Year.
This benefit will be provided with a life-long renewability
ii.
In relation to a Family Floater, the cumulative bonus so applied will only

be available in respect of claims made by those Insured Persons who
were Insured Persons in the claim free Policy Year and continue to be
Insured Persons in the subsequent Policy Year.
iii.
If a cumulative bonus has been applied and a claim is made, then in the
subsequent Policy Year We will automatically decrease the cumulative
bonus by 5% of the Basic Sum Insured in that following Policy Year.
There will be no impact on the inpatient sum insured only the accrued
cumulative bonus will be decreased.
iv.
Portability benefits will be offered to the extent of sum of previous sum

insured and accrued cumulative bonus (if opted for), portability benefit
shall not apply to any other additional increased sum insured.
v.
In policies with a two year Policy Period, the application of above

guidelines of Cumulative Bonus shall be post completion of each policy
year i.e. at the renewal of the policy; the cumulative bonus of two
completed years (One policy period) shall be applied.
SECTION 5. REGAIN BENEFIT OPTIONAL BENEFIT

This benefit is optional and only effective if mentioned in the Schedule.
If the Basic Sum Insured is exhausted due to claims made and paid during the Policy
Year or made during the Policy Year and accepted as payable, then it is agreed that a
Regain Sum Insured (equal to 100% of the Basic Sum Insured) will be automatically
available for the particular policy year, provided that:
a.
The Regain Sum Insured will be enforceable only after the Basic Sum Insured
inclusive of the no claim Bonus if any has been completely exhausted in that
year; and
b.
The Regain Sum Insured can be used for claims made by the Insured Person
in respect of the benefits stated in Section 1i) to 1 ix).
b.
Health Check-up
i.
If no claim has been made in respect of any benefits and You have
maintained an Health Suraksha Policy with Us for a period of 4 years
without any break, then in the every fifth year, We will pay upto the
percentage (mentioned in the Schedule of Benefits) of the Sum Insured
for this Policy Year or the subsequent Policy Years (whichever is lower)
towards the cost of a medical check-up for those Insured Persons who
were insured for the number previous Policy Years mentioned in the
Schedule.
ii.
Incase of family floater, if any of the members have made a claim under
this policy, the health checkup benefit will not be offered to the whole
family.
The Regain Sum Insured can be used for only future claims made by the
Insured Person and not against any claim for an illness/ disease (including its
complications) for which a claim has been paid in the current policy year under
Section Section 1i) to 1 ix).
c.
The Regain Sum Insured will only be applied once for the Insured Person
during a Policy Year;
d.
If the Regain Sum Insured is not utilised in a Policy Year, it shall not be carried
forward to any subsequent Policy Year.
If the Policy is a Family Floater, then the Regain Sum Insured will only be available in
respect of claims made by those Insured Persons who were Insured Persons under
the Policy before the Sum Insured was exhausted.
SECTION. 9. EXCLUSIONS
A.
Waiting Periods
The Regain benefit would be applicable on benefits under Section Section 1i) to 1
ix).Only on Sum Insured of Rs. 3 lacs and above.
All claims payable will be subject to the waiting periods specified below:
If Section 5 is selected then Section 7 cannot be opted for.
i.
General waiting period of 30 days for all claims payable under the Policy
except claims arising due to an Accident.
Once the Regain benefit is availed, it cannot be withdrawn by the Insured at

subsequent renewals.
ii.
A waiting period of 24 months shall apply to the treatment, whether

medical or surgical, of the disease/ conditions mentioned below.
Additionally the said 24 months waiting period shall be applicable to all
surgical procedures mentioned under surgeries in the following table,
irrespective of the disease/condition for which the surgery is done,
except claims payable due to the occurrence of cancer.
SECTION 6. ENHANCED CUMULATIVE BONUS BENEFIT OPTIONAL

BENEFIT
This benefit is optional and only effective if mentioned in the Schedule.
This benefit shall be subject to all guidelines in section 8, except that Cumulative
Bonus stated in Section 8a iii shall automatically increase to 10% and the maximum
cumulative bonus shall not exceed 100% of Base Sum Insured. Cumulative bonus
thus applied would automatically decrease by 10% of the Basic Sum Insured in that
following Policy Year in case of a claim.
a.
Illnesses: Internal Congenital diseases, non infective arthritis;

calculus diseases of gall bladder including cholecystitis and
urogenital system e.g. Kidney stone, Urinary Bladder Stone;
Pancreatitis, Ulcer and erosion of stomach and duodenum;Gastro
Esophageal Reflux Disorder (GERD); All forms of Cirrhosis (Pls
note: all forms of cirrhosis due to alcohol will be excluded);Perineal
Abscesses; Perianal Abscesses; cataract; fissure/ fistula in anus,
hemorrhoids, pilonidal sinus,; gout and rheumatism; internal
tumors, cysts, nodules, polyps including breast lumps (each of any
kind unless malignant); osteoarthritis and osteoporosis; polycystic
ovarian diseases; Fibroids (fibromyoma) ; sinusitis; Rhinitis;
Tonsillitis and skin tumorsunless malignant; Benign Hyperplasia of
Prostate.
b.
Treatments: adenoidectomy, mastoidectomy, tonsillectomy and

tympanoplasty); dilatation and curettage (D&C);joint replacement;
myomectomy for fibroids; surgery of genito urinary system unless
necessitated by malignancy; surgery on prostate;
cholecystectomy; surgery of hernia; surgery of hydrocele/
Rectocele; surgery for prolapsed inter vertebral disk; Joint
replacement surgeries surgery of varicose veins and varicose
ulcers; Surgery for Nasal septum deviation, nasal concha
resection,
Once the Enhanced Cumulative Bonus benefit is availed by the Insured, it cannot be
withdrawn by the Insured at subsequent renewals.
SECTION 7. CO-PAYMENT OPTIONAL BENEFIT
If the Schedule shows that the Co-Payment is effective, then Co-Pay option as
selected by the insured and displayed on the schedule as a percentage will be
applicable on all claims admissible under Benefit in Section1i) to 1 ix) and Section 2
I)
If Section 7 is selected then Section 5 cannot be opted for.
Once the Co-Payment option is availed by the Insured, it cannot be withdrawn by the
Insured at subsequent renewals
SECTION 8. RENEWAL INCENTIVES
a.
Cumulative Bonus
i.
If no claim has been made under the Section 1 of this Policy and the
Policy is renewed with Us without any break, We will apply a cumulative
iii.
48 months waiting period for all Pre-existing Conditions declared and/or

accepted at the time of application.

Policy Wording
Pl Note:
Coverage under the policy for any past illness/condition or surgery is subject to the
same being declared at the time of application by You or the Insured Person or
anyone acting on behalf of You or an Insured Personand accepted by Us without
any exclusion
B.
vii.
Reduction in waiting periods
viii. Stem cell implantation or surgery, or growth hormone therapy. Venereal

disease, sexually transmitted disease or illness; AIDS (Acquired
Immune Deficiency Syndrome) and/or infection with HIV (Human
immunodeficiency virus) including but not limited to conditions related to
or arising out of HIV/ AIDS such as ARC (AIDS related complex),
Lymphomas in brain, Kaposi's sarcoma, tuberculosis.
1.
ix.
Save as and to the extent provided for under 2 I), pregnancy (including
voluntary termination), miscarriage (except as a result of an Accident or
Illness), maternity or birth (including caesarean section) except in the
case of ectopic pregnancy in relation to a claim under1 i) for in-patient
treatment only.
x.
Sterility, treatment whether to effect or to treat infertility, any fertility, subfertility or assisted conception procedure, surrogate or vicarious
pregnancy, birth control, contraceptive supplies or services including
complications arising due to supplying services.
xi.
Save as and to the extent provided for under 2 ii), dental treatment and
surgery of any kind, unless requiring Hospitalisation.
xii.
Expenses for donor screening, or, save as and to the extent provided for
in 1vi), the treatment of the donor (including surgery to remove organs
from a donor in the case of transplant surgery).
If the Proposed Insured is presently covered and has been continuously

covered without any lapses under:
a.
any health insurance plan with an Indian non life insurer as per
guidelines on portability, OR
b.
any other health insurance plan from Us,
Then:
a.
The waiting periods specified in Section 9A I), ii) and iii) of the Policy
stand deleted; AND:
b.
The waiting periods specified in the Section 9 A I), ii) and iii) shall be
reduced by the number of continuous preceding years of coverage
of the Insured Person under the previous health insurance policy ;
AND
c.
2.
C.
Congenital external diseases, defects or anomalies, genetic disorders.
If the proposed Sum Insured for a proposed Insured Person is more

than the Sum Insured applicable under the previous health
insurance policy, then the reduced waiting period shall only apply to
the extent of the Sum Insured and any other accrued sum insured
under the previous health insurance policy.
The reduction in the waiting period specified above shall be applied

subject to the following:
a.
We will only apply the reduction of the waiting period if We have

received the database and claim history from the previous Indian
insurance company (if applicable)
b.
We are under no obligation to insure all Insured Persons or to

insure all Insured Persons on the proposed terms, or on the same
terms as the previous health insurance policy even if You have
submitted to Us all documentation and information.
c.
We will retain the right to underwrite the proposal as per Our

underwriting guidelines.
d.
We shall consider only completed years of coverage for waiver of

waiting periods. Policy Extensions if any sought during or for the
purpose of porting insurance policy shall not be considered for
waiting period waiver.
General Exclusions
We will not make any payment for any claim in respect of any Insured Person
directly or indirectly for, caused by, arising from or in any way attributable to any
of the following unless expressly stated to the contrary in this Policy:
i.
War or any act of war, invasion, act of foreign enemy, war like operations
(whether war be declared or not or caused during service in the armed
forces of any country), civil war, public defence, rebellion, revolution,
insurrection, military or usurped acts, nuclear weapons/ materials,
chemical and biological weapons, radiation of any kind.
ii.
Any Insured Person committing or attempting to commit a breach of law

with criminal intent, or intentional self injury or attempted suicide or
suicide while sane or insane.
iii.
Any Insured Person's participation or involvement in naval, military or air

force operation, racing, diving, aviation, scuba diving, parachuting,
hang-gliding, rock or mountain climbing in a professional or semi
professional nature.
xiii. Treatment and supplies for analysis and adjustments of spinal

subluxation, diagnosis and treatment by manipulation of the skeletal
structure or for muscle stimulation by any means except treatment of
fractures (excluding hairline fractures) and dislocations of the mandible
and extremities).
xiv. Circumcisions (unless necessitated by illness or injury and and forming
part of treatment); treatment for correction of eye due to refractive error,
aesthetic or change-of-life treatments of any description such as sex
transformation operations.
xv.
Plastic surgery or cosmetic surgery or treatments to change appearance

unless unless necessary as a part of medically necessary treatment
certified by the attending Medical Practitioner for reconstruction
following an Accident, cancer or burns.
xvi. Conditions for which Hospitalisation is NOT required

xvii. Experimental, investigational or unproven treatment devices and
pharmacological regimens.
xviii. Admission primarily for diagnostic purposes not related to illness for
which Hospitalisation has been done.
xix. Save as and to the extent provided for under 2 v), any Convalescence,
cure, rest cure, sanatorium treatment, rehabilitation measures, private
duty nursing, respite care, long-term nursing care or custodial care.
xx.
Save as and to the extent provided for under 1viii), any non allopathic
treatment.
xxi. Preventive care, vaccination including inoculation and immunisations

(except in case of post- bite treatment), any physical, psychiatric or
psychological examinations or testing; enteral feedings (infusion
formulas via a tube into the upper gastrointestinal tract) and other
nutritional and electrolyte supplements, unless certified to be required by
the attending Medical Practitioner as a direct consequence of an
otherwise covered claim.
xxii. Charges related to a Hospital stay not expressly mentioned as being
covered, including but not limited to charges for admission, discharge,
administration, registration, documentation and filing.
iv.
The abuse or the consequences of the abuse of intoxicants or

hallucinogenic substances such as drugs and alcohol, including
smoking cessation programs and the treatment of nicotine addiction or
any other substance abuse treatment or services, or supplies.
v.
Treatment of Obesity and any weight control program,
xxiii. Items of personal comfort and convenience including but not limited to
television (wherever specifically charged for), charges for access to
telephone and telephone calls (wherever specifically charged for),
foodstuffs(except patient`s diet), cosmetics, hygiene articles, body care
products and bath additive, barber or beauty service, guest service as
well as similar incidental services and supplies, and vitamins and tonics
unless vitamins and tonics are certified to be required by the attending
Medical Practitioner as a direct consequence of an otherwise covered
claim.
vi.
Psychiatric, mental disorders (including mental health treatments )and,

sleep-apnoea, Parkinson and Alzheimer's disease, ,general debility or
exhaustion (run-down condition).
xxiv. Treatment rendered by a Medical Practitioner which is outside his

discipline or the discipline for which he is licensed; treatments rendered
by a Medical Practitioner who is a member of an Insured Person's family,

Policy Wording

or stays with him, however proven material costs are eligible for
reimbursement in accordance with the applicable cover.
We will not apply any additional loading on your policy premium at renewal
based on claim experience.
xxv. Save as and to the extent provided in 2 iii), the provision or fitting of
hearing aids, spectacles or contact lenses including optometric therapy,
any treatment and associated expenses for alopecia, baldness, wigs, or
toupees, medical supplies including elastic stockings, diabetic test
strips, and similar products.
We will inform You about the applicable risk loading through a counter offer
letter. You need to revert to Us with consent and additional premium (if any),
within 15 days of the receipt of such counter offer letter. In case, you neither
accept the counter offer nor revert to Us within 15 days, We shall cancel Your
application and refund the premium paid within next 7 days.
xxvi. Any treatment or part of a treatment that is not of a reasonable charge ,

not medically necessary; treatments or drugs not supported by a
prescription.
Please note that We will issue Policy only after getting Your consent and
additional premium if any.
Please visit our nearest branch to refer our underwriting guidelines if required.
xxvii. Artificial limbs, crutches or any other external appliance and/or device
used for diagnosis or treatment (except when used intra-operatively).
e.
Notification of Claim
Sr.
No.
Treatment, Consultation or
Procedure:
We or Our TPA must be

informed:
1.
If any treatment for which a

claim may be made is to be
taken and that treatment
requires Hospitalisation:
Immediately and in any event at

least 48 hours prior to the
Insured Person's admission.
2.
Within 24 hours of the Insured

Person's admission to Hospital.
The fulfilment of the terms and conditions of this Policy (including the payment
of premium by the due dates mentioned in the Schedule) in so far as they relate
to anything to be done or complied with by You or any Insured Person shall be
conditions precedent to Our liability. The premium for the policy will remain the
same for the policy period as mentioned in the policy schedule.
If any treatment for which a

claim may be made is to be
taken and that treatment
requires Hospitalisation in
an emergency:
3.
For all benefits which are

contingent on Our prior
acceptance of a claim under
Section 1) a):
Within 7 days of the Insured

Person's discharge
post-Hospitalisation.
Geography
4.
If any treatment, consultation or

procedure for which a claim
may be made is required in
an emergency:
Within 7 days of completion of

such treatment, consultation
or procedure.
5.
In all other cases:
Of any event or occurrence that

may give rise to a claim under
this Policy at least 7 days prior
to any consequent treatment,
consultation or procedure and
We or Our TPA must
pre-authorise such treatment,
consultation or procedure.
xxviii.Any specific time bound or lifetime exclusion(s) applied by Us and

specified in the Schedule and accepted by the Insured, as per our
Underwriting guidelines.
xxix. Any non medical expenses mentioned in Appendix II of the policy
document.
SECTION. 10. GENERAL CONDITIONS
a.
b.
Condition precedent
This policy covers medical treatment taken within India. All payments under
this Policy will only be made in Indian Rupees within India.
c.
Insured person
Only those persons named as Insured Persons in the Schedule shall be
covered under this Policy. Any eligible person may be added during the Policy
Period after his application has been accepted by Us and additional premium
has been received on pro-rata basis. Insurance cover for this person shall only
commence once We have issued an endorsement confirming the addition of
such person as an Insured Person.
If an Insured Person dies, he will cease to be an Insured Person upon Us
receiving all relevant particulars in this regard. We will return a rateable part of
the premium received for such person IF AND ONLY IF there are no claims in
respect of that Insured Person under the Policy.
Any Insured Person in the policy has the option to migrate to any health
insurance policy available with us at the time of renewal subject to underwriting
with all the accrued continuity benefits such as cumulative bonus, waiver of
waiting period etc. provided the policy has been maintained without a break as
per portability guidelines.
d.
Loadings
We may apply a risk loading on the premium payable (based upon the
declarations made in the proposal form and the health status of the persons
proposed for insurance). The maximum risk loading applicable for an
individual shall not exceed above 100% per diagnosis/ medical condition and
an overall risk loading of over 150% per person. These loadings are applied
from Commencement Date of the Policy including subsequent renewal (s) with
Us or on the receipt of the request of increase in Sum Insured (for the
increased Sum Insured).
Please note that emergency means a sudden, urgent, unexpected occurrence or

event, bodily alteration or occasion requiring immediate medical attention.
If any time period is specifically mentioned under Section 1-5, then this shall
supersede the time periods mentioned above.
f.
Cashless Service
Sr. Treatment,
Treatment,
No. Consultation Consultation
or Procedure: or Procedure
Taken at:
Hypertension
Treatment
Systolic
Diastolic
loading
35
Yes
Yes
110-145
70-95
10%
35
Yes
Yes
146-160
70-95
20%
35
Yes
Yes
110-140
96-105
20%
35
Yes
Yes
>160
Any
Reject
35
Yes
Yes
Any
>105
Reject
Please note that this example is for illustrative purposes only, the decisions
may vary based on age, co morbidities etc.
We must be given
notice that the
Insured Person
wishes to take
advantage of the
cashless service
accompanied by
full particulars:
1.
If any planned Network

Hospital
treatment,
consultation
or procedure
for which a
claim may be
made:
We will
provide
cashless
service by
making
payment to
the extent of
Our liability
directly to the
Network
Hospital.
At least 48 hours
before the planned
treatment or
Hospitalisation.
2.
If any
treatment,
consultation
or procedure
for which a
claim may be
made in an
emergency:
Network
Hospital
We will
provide
cashless
service by
making
payment
to the extent
of our liability
directly to
the Network
Hospital.
Within 24 hours after

the treatment or
Hospitalisation.
For Example: Consider a male aged 35 who is undergoing treatment for

hypertension.
Age
Cashless
Service is
Available:

Policy Wording

Please note that emergency means a sudden, urgent, unexpected occurrence
or event, bodily alteration or occasion requiring immediate medical attention.
g.
existing bank rate as notified by Reserve Bank of India, unless the extent
regulation requires payment based on some other prescribed interest
rate.
Supporting Documentation & Examination

j.
The Insured Person shall provide Us with any documentation and information
We or Our TPA may request to establish the circumstances of the claim, its
quantum or Our liability for the claim within 15 days of the earlier of our request
or the Insured Person's discharge from Hospitalisation or completion of
treatment. The Company may accept claims where documents have been
provided after a delayed interval only in special circumstances and for the
reasons beyond the control of the Insured. Such documentation will include
but is not limited to the following:
i.
Our claim form, duly completed and signed for on behalf of the Insured
Person.
ii.
Original Bills with detailed breakup of charges (including but not limited to
pharmacy purchase bill, consultation bill, diagnostic bill) and any
attachments thereto like receipts or prescriptions in support of any
amount claimed which will then become Our property.
iii.
Original payment receipts
iv.
All reports, including but not limited to all medical reports, case histories,
investigation reports, treatment papers, discharge summaries.
v.
Discharge Summary, with Date of admission and discharge, clinical

history, past history, procedure details and details of treatment taken.
vi.
Invoice/ Sticker of transplants
vii.
A precise diagnosis of the treatment for which a claim is made.
If any claim is in any manner dishonest or fraudulent, or is supported by any

dishonest or fraudulent means or devices, whether by You or any Insured
Person or anyone acting on behalf of You or an Insured Person, then this
Policy shall be void and l benefits paid under it shall be forfeited.
k.
Provided further that, If the amount to be claimed under the Policy chosen by
the Policy holder, exceeds the sum insured under a single Policy after
considering the deductibles or co-pay (if applicable), the Policy holder shall
have the right to choose the insurers by whom claim is to be settled. In such
cases, the respective insurers may then settle the claim by applying the
Contribution clause . This clause shall only apply to indemnity sections of the
policy.
i.
Prescriptions that name the Insured Person and in the case of drugs: the
drugs prescribed, their price, and a receipt for payment. Prescriptions
must be submitted with the corresponding doctor's invoice.
The Insured Person will have to undergo medical examination by Our

authorised Medical Practitioner, as and when We may reasonably require, to
obtain an independent opinion for the purpose of processing any claim. We will
bear the cost towards performing such medical examination ( at the specified
location) of the Insured.
m.
ii.
We shall be under no obligation to make any payment under this Policy

unless We have received all premium payments in full in time and all
payments have been realised and We have been provided with the
documentation and information We or Our TPA has requested to
establish the circumstances of the claim, its quantum or Our liability for it,
and unless the Insured Person has complied with his obligations under
this Policy.
We will only make payment to or at Your direction. If an Insured Person
submits the requisite claim documents and information along with a
declaration in a format acceptable to Us of having incurred the expenses,
this person will be deemed to be authorised by You to receive the
concerned payment. In the event of the death of You or an Insured
Person, We will make payment to the Nominee (as named in the
Schedule).
iii.
We are not obliged to make payment for any claim or that part of any
claim that could have been avoided or reduced if the Insured Person
could reasonably have minimised the costs incurred, or that is brought
about or contributed to by the Insured Person failing to follow the
directions, advice or guidance provided by a Medical Practitioner.
iv.
We shall make the payment of claim that has been admitted as payable
by Us under the Policy terms and conditions within 30 days of
submission of all necessary documents/ information and any other
additional information required for the settlement of the claim All claims
will be settled in accordance with the applicable regulatory guidelines,
including IRDA (Protection of Policyholders Regulation), 2002. In case of
delay in payment of any claim that has been admitted as payable by Us
under the Policy terms and condition, beyond the time period as
prescribed under IRDA (Protection of Policyholders Regulation), 2002,
we shall be liable to pay interest at a rate which is 2% above the bank rate
prevalent at the beginning of the financial year in which the claim is
reviewed by Us. For the purpose of this clause, 'bank rate' shall mean the
Alterations to the Policy

This Policy constitutes the complete contract of insurance. This Policy cannot
be changed or varied by anyone (including an insurance agent or broker)
except Us, and any change We make will be evidenced by a written
endorsement signed and stamped by Us.
Claim Payment
i.
Subrogation
The Insured Person must do all acts and things that We may necessarily and
reasonably require to enforce/ secure any civil/ criminal rights and remedies or
to obtain relief/ indemnity from any other party because of making
reimbursement under the Policy. This would be irrespective of whether such
necessity has arisen before or after the reimbursement. These subrogation
rights must NOT be prejudiced in any manner by the Insured Person. The
Insured Person must provide Us with whatever assistance or cooperation is
required to enforce such rights. We would deduct any amounts paid or payable
and expenses of effecting recovery from any recovery that We make pursuant
to this clause and pay the balance to You. This clause is only applicable to
indemnity policies and benefits.
viii. A detailed list of the individual medical services and treatments provided
and a unit price for each.
h.
Contribution
If at the time when any claim is made under this Policy, insured has two or more
policies from one or more Insurers to indemnify treatment cost, which also
covers any claim (in part or in whole) being made under this Policy, then the
Policy holder shall have the right to require a settlement of his claim in terms of
any of his policies. The insurer so chosen by the Policy holder shall settle the
claim, as long as the claim is within the limits of and according to terms of the
chosen policy.
l.
ix.
Fraud
n.
Renewal
This Policy is renewable for life unless the Insured Person or anyone acting on
behalf of an Insured Person has acted in an improper, dishonest or fraudulent
manner or there has been any misrepresentation under or in relation to this
Policy or the renewal of the Policy poses a moral hazard.
We are NOT under any obligation to:
i.
Send renewal notice or reminders.
ii.
Renew it on same terms or premium as the expiring Policy. Any change in

benefits or premium (other than due to change in Age) will be done with
the approval of the Insurance Regulatory and Development Authority
and will be intimated to You at least 3 months in advance. In the likelihood
of this policy being withdrawn in future, we will intimate you about the
same 3 months prior to expiry of the policy. You will have the option to
migrate to an indemnity health insurance policy available with us at the
time of renewal with all the accrued continuity benefits such as
cumulative bonus, waiver of waiting period etc. provided the policy has
been maintained without a break as per portability guidelines.
iii.
We will not apply any additional loading on your policy premium at

renewal based on claim experience.
We shall be entitled to call for any information or documentation before

agreeing to renew the Policy. Your Policy terms may be altered based on the
information received.
All applications for renewal of the Policy must be received by Us before the end
of the Policy Period. A grace period of 30 days for renewing the Policy is
available under this Policy. Any disease/condition contracted during the Grace
Period will not be covered and will be treated as a Pre-existing Condition.

Policy Wording

o.
Change of Policyholder
Def. 2.
Age or Aged means completed years as at the Commencement Date.
The Policyholder may be changed only at the time of renewal. The new
Policyholder must be a member of the Insured`s person immediate family.
Such changes would be subject to Our acceptance and payment of premium
(if any). The renewed Policy shall be treated as having been renewed without
any break in cover.
Def. 3.
Any one Illness means continuous period of illness and it includes

relapse within 45 days from the date of last consultation with the
Hospital/Nusing Home where treatment may have been taken.
Def. 4.
Alternate Treatments are form of treatments other than treatment

Allopathy or modern medicine and includes Ayurveda, Unani, Sidha
and Homeopathy in the Indian Context.
Def. 5.
Cashless Facility means a facility extended by the insurer to the insured

where the payments, o f the costs o f 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.
Def. 6.
Commencement Date means the commencement date of this Policy as

specified in the Schedule.
Def. 7.
Condition Precedent means a policy term or condition upon which the

Insurer's liability under the policy is conditional upon.
Def. 8.
Congenital Anomaly refers to a condition(s) which is present since

birth, and which is abnormal with reference to form, structure or position.
The Policyholder may be changed in case of his demise or him moving out of
India during the Policy Period.
p.
Notices
Any notice, direction or instruction under this Policy shall be in writing and if it is
to:
q.
i.
Any Insured Person, then it shall be sent to You at Your address specified
in the Schedule and You shall act for all Insured Persons for these
purposes.
ii.
Us, it shall be delivered to Our address specified in the Schedule.
iii.
No insurance agents, brokers or other person or entity is authorised to

receive any notice, direction or instruction on Our behalf unless We have
expressly stated to the contrary in writing.
Any and all disputes or differences under or in relation to this Policy shall be
determined by the Indian Courts and subject to Indian law.
r.
Termination
i.
You may terminate this Policy at any time by giving Us written notice. The
cancellation shall be from the date of receipt of such written notice. If no
claim has been made under the Policy, then We will refund premium in
accordance with the table below:
1 Year Policy Period
Length of time
% of premium
Policy in force
refunded
2 Year Policy Period

Length of time
% of premium
Policy in force
refunded
Upto 1 Month
75.00%
Upto 1 Month
87.50%
Upto 3 Months
50.00%
Upto 3 Months
75.00%
Upto 6 Months
25.00%
Upto 6 Months
62.50%
Exceeding 6 Months
Nil
Upto 12 Months
48.00%
Upto 15 Months
25.00%
Upto 18 Months
12.00%
Exceeding 18 Months
Nil
ii.
s.
a.
Internal Congenital Anomaly - which is not in the visible and

accessible parts of the body.
b.
External Congenital Anomaly - which is in the visible and

accessible parts of the body.
Dispute Resolution Clause
Def. 9.
Contribution means essentially the right of an insurer to call upon other

insurers, liable to the same insured, to share the cost of an indemnity
claim on a rateable proportion of Sum Insured.
Def. 10.
Co-Payment is a cost-sharing requirement under a health insurance

policy that provides that the policyholder/ Insured will bear a specified
percentage of the admissible claim amount. A co-payment does not
reduce the sum insured.
Def. 11.
Critical Illness means Cancer, Coronary Artery (Bypass) Surgery, First

Heart Attack (Myocardial Infarction), Kidney Failure (end stage renal
disease), Major Organ Transplantation, Multiple Sclerosis, Paralysis,
Stroke, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension
and Heart Valve Replacement; all as defined below only and each is only
effective if shown in the Schedule:
i.
A malignant tumour characterised by the uncontrolled growth &

spread of malignant cells with invasion & destruction of normal
tissues. This diagnosis must be supported by histological evidence
of malignancy & confirmed by a pathologist.
We may terminate this Policy on grounds of misrepresentation, fraud,

non-disclosure of material facts or non-cooperation by You or any
Insured Person or anyone acting on Your behalf or on behalf of an
Insured Person. Such termination of the Policy shall be from the
inception date or the renewal date (as the case may be) upon 30 days
notice and by sending an endorsement in this regard at Your address
shown in the Schedule without refund of any premium.
The term cancer includes leukemia, lymphoma and sarcoma.

The following are excluded:
Tumours showing the malignant changes of carcinoma in situ

& tumours which are histologically described as premalignant or non invasive, including but not limited to:
Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN 2 & CIN-3.
Any skin cancer other than invasive malignant melanoma
All tumours of the prostate unless histologically classified as

having a Gleason score greater than 6 or having progressed
to at least clinical TNM classification T2N0M0.
Papillary micro - carcinoma of the thyroid less than 1 cm in

diameter
Chronic lymphocyctic leukaemia less than RAI stage 3
Microcarcinoma of the bladder

All tumours in the presence of HIV infection
Free Look Period

You have a period of 15 days from the date of receipt of the Policy document to
review the terms and conditions of this Policy. If You have any objections to any
of the terms and conditions, You have the option of cancelling the Policy stating
the reasons for cancellation and You will be refunded the premium paid by You
after adjusting the amounts spent on any medical check-up, stamp duty
charges and proportionate risk premium. You can cancel Your Policy only if
You have not made any claims under the Policy. All Your rights under this
Policy will immediately stand extinguished on the free look cancellation of the
Policy. Free look provision is not applicable and is not available at the time of
renewal of the Policy.
ii.
SECTION. 11. INTERPRETATIONS & DEFINITIONS

The terms defined below have the meanings ascribed to them wherever they appear
in this Policy and, where appropriate, references to the singular include references
to the plural; references to the male include the female and references to any
statutory enactment include subsequent changes to the same:
Def. 1.
Accident or Accidental means a sudden, unforeseen and involuntary

event caused by external, visible and violent means.
Cancer of specified severity:
Open Chest CABG:

The actual undergoing of open chest surgery for the correction of
one or more coronary arteries, which is/ are narrowed or blocked,
by coronary artery bypass graft (CABG). The diagnosis must be
supported by coronary angiography and the realisation of the
surgery has to be confirmed by a specialist Medical Practitioner.

Policy Wording
Angioplasty and/or any other intra-arterial procedures
Any key-hole or laser surgery

iii.
Transient ischemic attacks (TIA)
Traumatic injury of the brain
Vascular diseases affecting only the eye or optic nerve or
First Heart Attack -of Specified Severity:

The first occurrence of myocardial infarction which means the
death of a portion of the heart muscle as a result of inadequate
blood supply to the relevant area. The Diagnosis for this will be
evidenced by all of the following criteria:
vestibular functions
ix.
The actual undergoing of surgery of the aorta needing excision and

surgical replacement of the diseased aorta with a graft. For the
purpose of this definition aorta shall mean the thoracic and
abdominal aorta but not its branches.
A history of of typical clinical symptoms consistent with the

diagnosis of Acute Myocardial Infarction (for e.g. typical chest
pain)
new characteristic electrocardiogram changes
elevation of infarction specific enzymes, Troponins or other

biochemical markers
Realisation of the aortic surgery has to be confirmed by a specialist

Medical Practitioner (cardiologist/Cardiac Surgeon).
x.

with only elevation of Troponin I or T
Other acute Coronary Syndromes
Any type of angina pectoris

Kidney Failure Requiring Regular Dialysis
Diagnosis has to be confirmed by a specialist Medical Practitioner

(Cardiologist) and evidenced by cardiac catheterization showing a
mean pulmonary artery pressure during rest of at least 20 mmHg.
End stage renal disease presenting as chronic irreversible failure

of both kidneys to function, as a result of which either regular renal
dialysis (haemodialysis or peritoneal dialysis) is instituted or renal
transplantation is carried out. Diagnosis must be confirmed by a
specialist Medical Practitioner.
Furthermore right ventricular hypertrophy or have to be medically

documented for at least 90 days.
xi.
v.
The actual undergoing of Open heart valve surgery is to replace or

repair one or more heart valves, as a consequence of defects in,
abnormalities of, or disease affected cardiac valve(s).The
diagnosis of the valve abnormality must be supported by
echocardiography and the realization of surgery has to be
confirmed by a specialist medical practitioner Catheter based
techniques including but not limited to, balloon valvotomy/
valvuloplasty are excluded.
One of the following human organs: heart, lung, liver,
pancreas, kidney, that resulted from irreversible end stage

failure of the relevant organ or;
Human bone marrow using haematopoietic stem cells. The

undergoing of a transplant must be confirmed by a specialist
Medical Practitioner.
Def. 12.
Cumulative Bonus means any increase in the Sum Insured granted by

the insurer without an associated increase in premium.
Def. 13.
Day care Centre means any institution established for day care
treatment of illness and/ or injuries or a medical set -up within a hospital
and which has been registered with the local authorities, wherever
applicable, and is under the 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
records of patients and will make these accessible to the Insurance
company's authorized personnel.
Def. 14.
Day Care Treatment/ Procedures means those medical treatment,

and/or surgical procedure which is
Other Stem cell transplants
Where only islets of langerhans are transplanted.
Multiple Sclerosis with persistent symptoms:

The definite occurrence of Multiple Sclerosis.The diagnosis must
be supported by all of the following:
Investigation including typical MRI and CSF findings, which
unequivocally confirm the diagnosis to be multiple Sclerosis.
There must be current clinical impairment of motor or sensory
function, which must have persisted for a continuous period

of atleast 6 months.
Well documented clinical history of exacerbations and

remissions of said symptoms or neurological deficits with
atleast two clinically documented episodes atleast 1 month
apart.
Other causes of neurological damage such as SLE and HIV

are excluded.
vii.
Open Heart Replacement or Repair of Heart Valves
Major Organ/Bone Marrow Transplant:

The actual undergoing of transplant of:
vi.
Primary Pulmonary Arterial Hypertension:

An increase in the blood pressure in the pulmonary arteries,
caused by either an increase in pulmonary capillary pressure,
increased pulmonary blood flow or increased pulmonary vascular
resistance.
Non-ST-segment elevation myocardial infarction (NSTEMI)
iv.
Aorta Graft Surgery:
i.
undertaken under General or Local Anaesthesia in a Hospital/ day

care centre in less than 24 hours because of technological
advancement, and
ii.
which would have otherwise required a Hospitalisation of more

than 24 hours,
Permanent Paralysis of Limbs:

Total and irreversible loss of use of two or more limbs as a result of
injury or disease of the brain or spinal cord. A specialist Medical
Practitioner must be of the opinion that paralysis will be permanent
with no hope of recovery and must be present for more than 3
months.
Treatment normally taken on an Out-patient basis is not included in the

scope of this definition.
Def. 15.
viii. Stroke resulting in Permanent symptoms:

Any cerebrovascular incident producing permanent neurological
sequelae. This includes infarction of brain tissue ,thrombosis in an
intra-cranial vessel, haemorrhage andembolisation from an
extracranial source. The Diagnosis has to be confirmed by a
specialist Medical and evidenced by typical clinical symptoms as
well as typical findings in CT Scan or MRI of the brain.
Evidence of permanent neurological deficit lasting for at least 3
months has to be produced.
Def. 16.
Domiciliary Treatment/ Hospitalisation means medical treatment for

an Illness/ disease/ 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:
a.
The condition of the Patient is such that he/ she is not in a condition
to be removed to a Hospital or,
b.
The Patient takes treatment at home on account of non availability

of room in a Hospital.
Dependents means only the family members listed below:

a.
Your legally married spouse as long as she continues to be married

Policy Wording

to You;
b.
Your children Aged between 91 days and 21 years if they are

unmarried, still financially dependent on You and have not
established their own independent households;
c.
Your natural parents or parents that have legally adopted You,

provided that:
where Insured Person has to stay in a Hospital for more than 24 hours
and includes Hospital room rent or boarding expenses, nursing,
Intensive Care Unit charges, Medical Practitioner's charges, anesthesia,
blood, oxygen, operation theatre charges, surgical appliances,
medicines, drugs, consumables, diagnostic procedures.
Def. 28.
Insured Person means You and the persons named in the Schedule.
Def. 29.
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.
Def. 30.
Maternity Expenses shall include
Parents shall not include Your spouse's parents.
Def. 17.
Dental Treatment is a treatment carried out by a dental practitioner

including examinations, fillings (where appropriate),crowns, extractions
and surgery excluding any form of cosmetic surgery/ implants.
Def. 18.
Disclosure of information norm means the policy shall be void and all
premiums paid hereon shall be forfeited to the Company, in the event o f
misrepresentation, mis-description or non-disclosure of any material
fact.
Def. 19.
Def. 20.
Def. 21.
Def. 22.
Def. 23.
Emergency Care means management for a severe illness or injury

which results in symptoms which occur suddenly and unexpectedly, and
requires immediate care by a medical practitioner to prevent death or
serious long term impairment of the insured person's health.
Family Floater means a Policy described as such in the Schedule where
under You and Your Dependents named in the Schedule are insured
under this Policy as at the Commencement Date. The Sum Insured for a
Family Floater means the sum shown in the Schedule which represents
Our maximum liability for any and all claims made by You and/ or all of
Your Dependents during the Policy Period.
Medical treatment expenses traceable to childbirth (including

complicated deliveries and caesarean section incurred during
Hospitalisation).
b.
Expenses towards lawful medical termination of pregnancy during

the policy period.
Def. 31.
Medical Advise means any consultation or advise from a Medical

Practitioner including the issue of any prescription or repeat prescription.
Def. 32.
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 doctors in the
same locality would have charged for the same medical treatment.
Grace Period means the specified period of time immediately following

the premium due date during which a payment can be made to renew or
continue a policy in force without loss of continuity benefits such as
waiting periods and coverage of pre existing diseases. Coverage is not
available for the period for which no premium is received.
a.
Hospital means any institution in India established for In-patient Care

and Day Care Treatment of illness and/or injuries and which has been
registered as a Hospital with the local authorities under the clinical
Establishments (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 in-patient beds, in those towns having a population

of less than 10,00,000 and 15 in-patient 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.
b.
Hospitalisation or Hospitalised means the Insured Person's

admission into a Hospital for a minimum of 24 In-Patient care
consecutive hours except for specified procedures/ treatment, where
such admission could be for a period of less than 24 consecutive hours.
Def. 33.
Def. 24.
a.
Illness means a sickness or a disease or pathological condition leading

to the impairment of normal physiological function which manifests itself
during the Policy Period and requires medical Treatment.
Pre- Hospitalisation Medical Expenses means the Medical

Expenses incurred immediately before the Insured Person is
Hospitalised, provided that:
i.
Such Medical Expenses are incurred for the same condition

for which the Insured Person's Hospitalisation was required,
and
ii.
The In-patient Hospitalization claim for such Hospitalization

is admissible by the Insurance Company
Post- Hospitalisation Medical Expenses means the Medical

Expenses incurred immediately after the Insured Person is
discharged from the hospital, provided that:
i.
Such Medical Expenses are incurred for the same condition

for which the Insured Person's Hospitalisation was required,
and
ii.
The In-patient Hospitalization claim for such Hospitalization

is admissible by the Insurance Company
Medically Necessary means any treatment, test, medication, or stay in

Hospital or part of stay in Hospital which
Is required for the medical management of the Illness or injury
suffered by the Insured Person;

a.
b.
Must not exceed the level of care necessary to provide safe,
Acute Condition means a disease, illness or injury that is likely to

respond quickly to treatment which aims to return the person to his
or her state of health immediately before suffering the
disease/illness/injury which leads to full recovery.
Chronic Condition means a disease, illness, or injury that has one
or more o f the following characteristics: - it needs ongoing or longterm monitoring through consultations, examinations, check-ups,
and / or testsit needs ongoing or long-term control or relief o f
symptoms it requires your rehabilitation or for you to be specially
trained to cope with itit continues indefinitelyit comes back or is
likely to come back.
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.
Def. 34.
Medical Practitioner means 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 licence. Medical Practitioner who is sharing the same
residence with the Insured person`s and is a member of Insured
Person's family are not considered as Medical Practitioner under the
scope of this Policy.
Def. 25.
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.
Def. 26.
In-patient Care means treatment for which the Insured Person has to
stay in a Hospital for more than 24 hours for a covered event.
Def. 35.
Newborn Baby means baby born during the Policy Period and is Aged
between 1 day and 90 days, both days inclusive.
Def. 27.
In-patient Treatment means treatment arising from Accident or Illness
Def. 36.
Network Provider means Hospitals or health care providers enlisted by

Policy Wording

an insurer or by a TPA and insurer together to provide medical services to
an insured on payment by a cashless facility.
Def. 37.
Non Network means any Hospital, day care centre or other provider that
is not part of the Network.
Def. 38.
Notification of Claim means the process of notifying a claim to the

insurer or TPA by specifying the timeliness as well as the address/
telephone number to which it should be notified.
Def. 39.
Def. 40.
Def. 41.
Def. 42.
OPD Treatment is one in which the Insured visits a clinic/ hospital or

associated facility like a consultation room for diagnosis and treatment
based on the advice of a medical practitioner. The Insured is not admitted
as a daycare or inpatient.
Portability means transfer by an individual health insurance policy
holder (including family cover) of the credit gained for pre-existing
conditions and time bound exclusions if he/ she chooses to switch from
one insurer to another.
Pre Existing Disease means any condition, ailment or injury or related
condition(s) for which you had signs or symptoms, and/ or were
diagnosed, and/ or received medical advice/ treatment, within 48 months
prior to the first policy issued by the insurer.
Policy means Your statements in the proposal form (which are the basis
of this Policy), this policy wording (including endorsements, if any),
Appendix 1 and the Schedule (as the same may be amended from time
to time).
Def. 43.
Policy Period means the period between the Commencement Date and
the Expiry Date specified in the Schedule.
Def. 44.
Policy Year means a year following the Commencement Date and its
subsequent annual anniversary.
Def. 45.
Def. 46.
Def. 47.
Qualified Nurse is a person who holds a valid registration from the

nursing council of India or the nursing council of any state in India.
Reasonable and Customary Charges means the charges for services
or supplies, which are the standard charges for a specific provider and
consistent with the prevailing charges in the geographical area for
identical or similar services ,taking into account the nature of illness/
injury involved.
Room Rent means the amount charged by a hospital for the occupying
of a bed on per day (24 hours) basis and shall include associated medical
expenses.
Def. 48.
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 all waiting periods.
Def. 49.
Subrogation means the the right o f the insurer to assume the rights of
the insured person to recover expenses paid out under the policy that
may be recovered from any other source.
Def. 50.
Sum Insured means the sum shown in the Schedule which represents
Our maximum liability for each Insured Person for any and all benefits
claimed for during the Policy Period, and in relation to a Family Floater
represents Our maximum liability for any and all claims made by You and
all of Your Dependents during the Policy Period.
Def. 51.
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 of
suffering or prolongation of life, performed in a Hospital or day care
centre by a Medical Practitioner.
Def. 52.
Unproven/ Experimental Treatment is a treatment including drug

experimental therapy, which is based on established medical practice in
India, is a treatment experimental or unproven.
Def. 53.
We/Our/Us means the HDFC ERGO General Insurance Company

Limited.
Def. 54.
You/Your/Policyholder means the person named in the Schedule who

has concluded this Policy with Us.
SECTION. 12. CLAIM RELATED INFORMATION

For any claim related query, intimation of claim and submission of claim related
documents,
You can Contact us on

HDFC ERGO General Insurance Co. Ltd.
Stellar IT Park, Tower-1
5th Floor, C - 25, Sector 62
Noida - 201301
Toll Free :1800 2 700 700 (Accessible from India only)
Phone (UAN) :1860 2000 700 ( Local charges applicable )
Fax (UAN) : 1860 2000 600 ( Local charges applicable )
Email :[email protected]
SECTION. 13. GRIEVANCE REDRESSAL PROCEDURE
At HDFC ERGO General Insurance, we are committed to serve our customers to
their satisfaction by providing fast, fair and friendly services at all times.
However, should a customer feel that our services need improvement and wish to
lodge your feedback / complaint, you may:
Call our 24X7 Toll free number 1800-2700-700 from any Landline & Mobile or
1800-226-226 from MTNL or BSNL Phone.

For lodging a complaint online, email us to our customer service desk at
[email protected].
After investigating the matter internally, we will send our response within a period of
10 days.
In case the resolution is likely to take longer time, we will inform you of the same
through an interim reply.
Escalation Level 1
For lack of a response or if the response provided does not meet your expectation,
you can write to: [email protected]
After examining the matter, final response would be conveyed within a period of 15
days from the date of receipt of your complaint on this e-mail id.
Escalation Level 2
In case, you are not satisfied with the decision/resolution of the above office, or have
not received any response within 15 days, you may write to: [email protected]
Escalation Level 3
If after following Escalation Level 1 and 2 as stated above your issue remains
unresolved, you may approach the Insurance Ombudsman for Redressal.
Contact Details of Insurance Ombudsman
Names of Ombudsman and Addresses of Ombudsmen Centres
Office of the Insurance Ombudsman,
2nd Floor, Ambica House, Nr. C. U. Shah College, Ashram Road,
AHMEDABAD - 380 014.
Tel.: 079-27545441/27546139
Fax: 079-27546142
Email: [email protected]
Shri B.N. Mishra,
62, Forest Park, BHUBANESHWAR - 751 009.
Tel.: 0674-2596455/2596003
Fax: 0674-2596429
Shri Virander Kumar,
Fathima Akhtar Court, 4th Floor, 453 (old 312), Anna Salai, Teynampet,
CHENNAI - 600 018.
Tel.: 044-24333668 /24335284
Fax: 044-24333664
Jeevan Nivesh, 5th Floor, Near Panbazar Overbridge, S. S. Road,
GUWAHATI - 781 001 (ASSAM).
Tel.: 0361-2132204/5
Fax: 0361-2732937
Shri Raj Kumar Srivastava,
2nd Floor, Janak Vihar Complex, 6, Malviya Nagar, Opp. Airtel,
Near New Market, BHOPAL (M.P.) - 462 003.
Tel.: 0755-2769201/9202
Fax: 0755-2769203
10

Policy Wording
Shri Manik Sonawane

S.C.O. No.101-103, 2nd Floor, Batra Building, Sector 17-D,
CHANDIGARH - 160 017.
Tel.: 0172-2706468/2705861
Fax: 0172-2708274
Smt. Sandhya Baliga,
2/2 A, Universal Insurance Bldg., Asaf Ali Road,
NEW DELHI - 110 002.
Tel.: 011-23237539/23232481
Fax: 011-23230858
Shri G. Rajeswara Rao,
6-2-46, 1st Floor, Moin Court, A.C. Guards, Lakdi-Ka-Pool,
HYDERABAD - 500 004.
Tel : 040-65504123/23312122
Fax: 040-23376599
Shri P.K.Vijayakumar,
2nd Floor, CC 27/2603, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road,
ERNAKULAM - 82 015.
Tel.: 0484-2358759/2359338
Fax: 0484-2359336
Shri N.P. Bhagat,
Jeevan Bhawan, Phase-2, 6th Floor, Nawal Kishore Road, Hazaratganj,
LUCKNOW - 226 001.
Tel : 0522 -2231331/2231330
Fax : 0522-2231310
Shri A. K. Jain,
Ground Floor, Jeevan Nidhi II, Bhawani Singh Road,
JAIPUR 302005
Tel : 0141-2740363
Shri M. Parshad,
24th Main Road, Jeevan Soudha Bldg. JP Nagar, 1st Phase,
BENGALURU 560025.
Tel No: 080-22222049/ 22222048
Shri K.B. Saha,
Hindustan Building. Annexe, 4th Floor, C. R. Avenue,
KOLKATA - 700 072.
Tel : 033-22124339/22124340 Fax : 033-22124341
Shri A. K. Dasgupta,
3rd Floor, Jeevan Seva Annexe, S.V. Road, Santacruz(W),
MUMBAI - 400 054.
Tel : 022-26106928/26106552 Fax : 022-26106052
Shri A. K. Sahoo,
2nd Floor, Jeevan Darshan, N. C. Kelkar Road, Narayanpet,
PUNE 411030.
Tel: 020-32341320
OFFICE OF THE GOVERNING BODY OF INSURANCE COUNCIL
Smt. Ramma Bhasin, Secretary General,
Shri Y.R. Raigar, Secretary,
3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W),
MUMBAI 400 054
Tel : 022-26106889/6671
Fax : 022-26106949
Email- [email protected]
STATUTORY NOTICE: INSURANCE IS THE SUBJECT MATTER OF
SOLICITATION.
Appendix I: Day Care Procedure

Day Care Procedures will include following Day Care Surgeries & Day Care
Treatments
Microsurgical operations on the middle ear
1.
2.
3.
4.
5.
6.
7.
8.
Stapedotomy
Stapedectomy
Revision of a stapedectomy
Other operations on the auditory ossicles
Myringoplasty (Type -I Tympanoplasty)
Tympanoplasty (closure of an eardrum perforation/ reconstruction of the
auditory ossicles)
Revision of a tympanoplasty
Other microsurgical operations on the middle ear
Other operations on the middle & internal ear

9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
Myringotomy
Removal of a tympanic drain
Incision of the mastoid process and middle ear
Mastoidectomy
Reconstruction of the middle ear
Other excisions of the middle and inner ear
Fenestration of the inner ear
Revision of a fenestration of the inner ear
Incision (opening) and destruction (elimination) of the inner ear
Other operations on the middle and inner ear
Operations on the nose & the nasal sinuses

19.
20.
21.
22.
Excision and destruction of diseased tissue of the nose

Operations on the turbinates (nasal concha)
Other operations on the nose
Nasal sinus aspiration
Operations on the eyes

23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
Incision of tear glands

Other operations on the tear ducts
Incision of diseased eyelids
Excision and destruction of diseased tissue of the eyelid
Operations on the canthus and epicanthus
Corrective surgery for entropion and ectropion
Corrective surgery for blepharoptosis
Removal of a foreign body from the conjunctiva
Removal of a foreign body from the cornea
Incision of the cornea
Operations for pterygium
Other operations on the cornea
Removal of a foreign body from the lens of the eye
Removal of a foreign body from the posterior chamber of the eye
Removal of a foreign body from the orbit and eyeball
Operation of cataract
Retinal Detatchment
Operations on the skin & subcutaneous tissues

40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
Incision of a pilonidal sinus

Other incisions of the skin and subcutaneous tissues
Surgical wound toilet (wound debridement) and removal of diseased tissue
of the skin and subcutaneous tissues
Local excision of diseased tissue of the skin and subcutaneous tissues
Other excisions of the skin and subcutaneous tissues
Simple restoration of surface continuity of the skin and subcutaneous
tissues
Free skin transplantation, donor site
Free skin transplantation, recipient site
Revision of skin plasty
Other restoration and reconstruction of the skin and subcutaneous tissues
Chemosurgery to the skin
Destruction of diseased tissue in the skin and subcutaneous tissues
Operations on the tongue

52.
53.
54.
55.
56.
Incision, excision and destruction of diseased tissue of the tongue

Partial glossectomy
Glossectomy
Reconstruction of the tongue
Other operations on the tongue
Operations on the salivary glands & salivary ducts

57.
Incision and lancing of a salivary gland and a salivary duct
11

Policy Wording

58.
59.
60.
61.
Excision of diseased tissue of a salivary gland and a salivary duct

Resection of a salivary gland
Reconstruction of a salivary gland and a salivary duct
Other operations on the salivary glands and salivary ducts
Other operations on the mouth & face

62.
63.
64.
65.
66.
67.
68.
External incision and drainage in the region of the mouth, jaw and face
Incision of the hard and soft palate
Excision and destruction of diseased hard and soft palate
Incision, excision and destruction in the mouth
Plastic surgery to the floor of the mouth
Palatoplasty
Other operations in the mouth under general/spinal anesthesia
Operations on the tonsils & adenoids

69.
70.
71.
72.
73.
Transoral incision and drainage of a pharyngeal abscess

Tonsillectomy without adenoidectomy
Tonsillectomy with adenoidectomy
Excision and destruction of a lingual tonsil
Other operations on the tonsils and adenoids under general/spinal
anesthesia
Trauma surgery and orthopaedics

74.
75.
76.
77.
78.
Incision on bone, septic and aseptic

Closed reduction on fracture, luxation or epiphyseolysis with osteosynthesis
Suture and other operations on tendons and tendon sheath
Reduction of dislocation under GA
Arthroscopic knee aspiration
Operations on the testes

115.
116.
117.
118.
119.
120.
121.
122.
123.
124.
Incision of the testes

Excision and destruction of diseased tissue of the testes
Unilateral orchidectomy
Bilateral orchidectomy
Orchidopexy
Abdominal exploration in cryptorchidism
Surgical repositioning of an abdominal testis
Reconstruction of the testis
Implantation, exchange and removal of a testicular prosthesis
Other operations on the testis
Operations on the spermatic cord, epididymis und ductus deferens

125.
126.
127.
128.
129.
130.
Surgical treatment of a varicocele and a hydrocele of the spermatic cord

Excision in the area of the epididymis
Epididymectomy
Reconstruction of the spermatic cord
Reconstruction of the ductus deferens and epididymis
Other operations on the spermatic cord, epididymis and ductus deferens
Operations on the penis

131.
132.
133.
134.
135.
Operations on the foreskin

Local excision and destruction of diseased tissue of the penis
Amputation of the penis
Plastic reconstruction of the penis
Other operations on the penis
Operations on the urinary system
Operations on the breast
136. Cystoscopical removal of stones
79.
80.
Other Operations
Incision of the breast

Operations on the nipple
Operations on the digestive tract

81.
82.
83.
84.
85.
86.
87.
Incision and excision of tissue in the perianal region

Surgical treatment of anal fistulas
Surgical treatment of haemorrhoids
Division of the anal sphincter (sphincterotomy)
Other operations on the anus
Ultrasound guided aspirations
Sclerotherapy
Operations on the female sexual organs

88.
89.
90.
91.
92.
93.
94.
95.
96.
97.
98.
Incision of the ovary

Insufflation of the Fallopian tubes
Other operations on the Fallopian tube
Dilatation of the cervical canal
Conisation of the uterine cervix
Other operations on the uterine cervix
Incision of the uterus (hysterotomy)
Therapeutic curettage
Culdotomy
Incision of the vagina
Local excision and destruction of diseased tissue of the vagina and the
pouch of Douglas
99. Incision of the vulva
100. Operations on Bartholins glands (cyst)
137.
138.
139.
140.
141.
142.
143.
144.
Lithotripsy
Coronary angiography
Haemodialysis
Radiotherapy for Cancer
Cancer Chemotherapy
Renal Biopsy
Bone Marrow Biopsy
Liver Biopsy
APPENDIX-II
Sr.
No.
List of excluded expenses ("Non-Medical")

under indemnity Policy
Expenses
TOILETRIES/ COSMETICS/ PERSONAL COMFORT OR CONVENIENCE

1.
Anne French Charges
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.
Bottle
Not Payable
Operations on the prostate & seminal vesicles
8.
Brush
Not Payable
101.
102.
103.
104.
105.
106.
107.
108.
109.
9.
Cosy Towel
Not Payable
10. Hand Wash
Not Payable
Incision of the prostate

Transurethral excision and destruction of prostate tissue
Transurethral and percutaneous destruction of prostate tissue
Open surgical excision and destruction of prostate tissue
Radical prostatovesiculectomy
Other excision and destruction of prostate tissue
Operations on the seminal vesicles
Incision and excision of periprostatic tissue
Other operations on the prostate
Operations on the scrotum & tunica vaginalis testis

110.
111.
112.
113.
114.
Incision of the scrotum and tunica vaginalis testis

Operation on a testicular hydrocele
Excision and destruction of diseased scrotal tissue
Plastic reconstruction of the scrotum and tunica vaginalis testis
Other operations on the scrotum and tunica vaginalis testis
11. Moisturiser Paste Brush
Not Payable
12. Powder
Not Payable
13. Razor
Payable
14. Towel
Not Payable
15. Shoe Cover
Not Payable
16. Beauty Services
Not Payable
17. Belts/ Braces
Essential and should

be paid at least
specifically for cases
who have undergone
surgery of thoracic or
lumbar spine
12

Policy Wording
18. Buds
Not Payable
19. Barber Charges
Not Payable
20. Caps
Not Payable
21. Cold Pack/hot Pack
Not Payable
22. Carry Bags
Not Payable
23. Cradle Charges
Not Payable
24. Comb
Not Payable
25. Disposables Razors Charges (For Site

Preparations)
Payable
26. Eau-de-cologne / Room Freshners
Not Payable
27. Eye Pad
Not Payable
28. Eye Sheild
Not Payable
29. Email/ Internet Charges
Not Payable
30. Food Charges (other Than Patient's Diet

Provided By Hospital)
Not Payable
31. Foot Cover
Not Payable
32. Gown
Not Payable
33. Leggings
Essential in bariatric
and varicose vein
surgery and may be
considered for at
least these conditions
where surgery itself is
payable.
34. Laundry Charges
Not Payable
35. Mineral Water
Not Payable
36. Oil Charges
Not Payable
37. Sanitary Pad
Not Payable
38. Slippers
Not Payable
39. Telephone Charges
Not Payable
40. Tissue Paper
Not Payable
41.
Tooth Paste
Not Payable
42.
Tooth Brush
Not Payable
43.
Guest Services
Not Payable
44.
Bed Pan
Not Payable
45.
Bed Under Pad Charges
Not Payable
46.
Camera Cover
Not Payable
47.
Care Free
Not Payable
48.
Cliniplast
Not Payable
49.
Crepe Bandage
Not Payable/ Payable

by the patient
50.
Curapore
Not Payable
51.
Diaper of Any Type
Not Payable
52.
Eyelet Collar
Not Payable
53.
Face Mask
Not Payable
54.
Flexi Mask
Not Payable
55.
Dvd, Cd Charges
Not Payable (However

if CD is specifically
sought by Insurer/TPA
then payable)
56.
Gause Soft
Not Payable
57.
Gauze
Not Payable
58.
Hand Holder
Not Payable
59.
Hansaplast/ Adhesive Bandages
Not Payable
60.
Lactogen/ Infant Food
Not Payable
61.
Slings
Reasonable costs for

one sling in case of
upper arm fractures
may be considered
ITEMS SPECIFICALLY EXCLUDED IN THE POLICIES

62.
Weight Control Programs/ Supplies/ Services
Exclusion in policy
unless otherwise
specified
63.
Cost Of Spectacles/ Contact Lenses/ Hearing

Aids Etc.,
Exclusion in policy
unless otherwise
specified
64.
Dental Treatment Expenses That Do Not

Require Hospitalisation
Exclusion in policy
unless otherwise
specified
65.
Hormone Replacement Therapy
Exclusion in policy
unless otherwise
specified
66.
Home Visit Charges
Exclusion in policy
unless otherwise
specified
67.
Infertility/ Subfertility/ Assisted

Conception Procedure
Exclusion in policy
unless otherwise
specified
68.
Obesity (including Morbid Obesity)

Treatment
Exclusion in policy
unless otherwise
specified
69.
Psychiatric & Psychosomatic

Disorders
Exclusion in policy
unless otherwise
specified
70.
Corrective Surgery For Refractive

Error
Exclusion in policy
unless otherwise
specified
71.
Treatment Of Sexually Transmitted

Diseases
Exclusion in policy
unless otherwise
specified
72.
Donor Screening Charges
Exclusion in policy
unless otherwise
specified
73.
Admission/Registration Charges
Exclusion in policy
unless otherwise
specified
74.
Hospitalisation For Evaluation/ Diagnostic

Purpose
Exclusion in policy
unless otherwise
specified
75.
Expenses For Investigation/ Treatment

Irrelevant to the Disease for which Admitted or
Diagnosed
Not Payable- Exclusion

in policy unless
otherwise specified
76.
Any Expenses When the Patient is Diagnosed

with Retro Virus + or Suffering from /hiv/ Aids
etc is Detected/ Directly or Indirectly
Not payable as per

HIV/AIDS exclusion
77.
Stem Cell Implantation/ Surgery
Not Payable except

Bone Marrow
Transplantation where
covered by policy
ITEMS WHICH FORM PART OF HOSPITAL SERVICES WHERE

SEPARATE CONSUMABLES
78.
Ward And Theatre Booking Charges
Payable under OT
Charges, not
payable separately
79.
Arthroscopy & Endoscopy

Instruments
Rental charged by the

hospital payable.
Purchase of
Instruments not
payable.
80.
Microscope Cover
Payable under OT
Charges, not
separately
81.
Surgical Blades,harmonic Scalpel,

shaver
Payable under OT
Charges, not
separately
13

Policy Wording
82.
Surgical Drill
Payable under OT
Charges, not
separately
83.
Eye Kit
Payable under OT
Charges, not
separately
84.
Eye Drape
Payable under OT
Charges, not
separately
110. Admission Kit
Not Payable
111. Birth Certificate
Not Payable
85.
X-ray Film
Payable under
Radiology Charges,
not as consumable
112. Blood Reservation Charges and Ante Natal

Booking Charges
Not Payable
113. Certificate Charges
Not Payable
86.
Sputum Cup
Payable under
Investigation Charges,
not as consumable
114. Courier Charges
Not Payable
115. Convenyance Charges
Not Payable
116. Diabetic Chart Charges
Not Payable
117. Documentation Charges/ Administrative

Expenses
Not Payable
118. Discharge Procedure Charges
Not Payable
119. Daily Chart Charges
Not Payable
120. Entrance Pass/Visitors Pass Charges
Not Payable
121. Expenses Related to Prescription on Discharge
To be claimed by
patient under Post
Hosp where admissible
122. File Opening Charges
Not Payable
123. Incidental Expenses/Misc. Charges

(not Explained)
Not Payable
124. Medical Certificate
Not Payable
125. Maintainance Charges
Not Payable
126. Medical Records
Not Payable
127. Preparation Charges
Not Payable
128. Photocopies Charges
Not Payable
129. Patient Identification Band/ Name Tag
Not Payable
130. Washing Charges
Not Payable
131. Medicine Box
Not Payable
132. Mortuary Charges
Payable upto 24 hrs,

shifting charges not
payable
133. Medico Legal Case Charges (mlc Charges)
Not Payable
87.
Boyles Apparatus Charges
Part of OT Charges,
not seperately
88.
Blood Grouping And Cross Matching

of Donors Samples
Part of Cost of
Blood, not payable
89.
Savlon
Not Payable - Part

of Dressing Charges
90.
Band Aids, Bandages, Sterlile Injections,

Needles, Syringes
Not Payable - Part

of Dressing Charges
91.
Cotton
Not Payable - Part

of Dressing Charges
92.
Cotton Bandage
Not Payable - Part

of Dressing Charges
93.
Micropore/ Surgical Tape
Not Payable- Payable

by the patient when
prescribed, otherwise
included as Dressing
Charges
94.
Blade
Not Payable
95.
Apron
Not Payable - Part of

Hospital Services/
Disposable linen to be
part of OT/ICU charges
96.
Torniquet
Not Payable (service is

charged by hospitals,
consumables cannot
be separately charged)
97.
Ortho bundle, Gynaec Bundle
Part of Dressing
Charges
98.
Urine Container
Not Payable
ELEMENTS OF ROOM CHARGE

99.
Luxury Tax
100. Hvac
Actual tax levied by

government is payable
Part of room charge for
sub limits
Part of room charge
not payable separately
108. Extra Diet of Patient (other than that which

forms part of Bed charge)
Patient Diet provided

by hospital is payable
109. Blanket/ warmer Blanket
Not Payable- part of

room charges
ADMINISTRATIVE OR NON-MEDICAL CHARGES
EXTERNAL DURABLE DEVICES

134. Walking Aids Charges
Not Payable
135. Bipap Machine
Not Payable
136. Commode
Not Payable
137. Cpap/ Capd Equipments
Device not Payable
138. Infusion Pump - Cost
Device not Payable
101. House Keeping Charges
Part of room charge

139. Oxygen Cylinder(for Usage Outside the Hospital) Not Payable

140. Pulseoxymeter Charges
Device not Payable
102. Service Charges Where Nursing Charge also

Charged
Part of room charge

141. Spacer
Not Payable
142. Spirometre
Device not Payable
143. Spo2 Probe
Device not Payable
144. Nebulizer Kit
Device not Payable
145. Steam Inhaler
Not Payable
146. Armsling
Not Payable
147. Thermometer
Not Payable
(paid by patient)
148. Cervical Collar
Not Payable
149. Splint
Not Payable
150. Diabetic Foot Wear
Not Payable
103. Television & Air Conditioner Charges
104. Surcharges
105. Attendant Charges
Payable under room

charges not if
separately levied
Part of room charge
Room Charges
106. Im Iv Injection Charges
Part of nursing
charges, not payable
107. Clean Sheet
Part of Laundry/
Housekeeping not
payable separately
14

Policy Wording
151. Knee Braces (Long/ Short/ Hinged)
Not Payable
152. Knee Immobilizer/ shoulder Immobilizer
Not Payable
153. Lumbo Sacral Belt

be paid at least
specifically for cases
who have undergone
surgery of lumbar spine.
154. Nimbus Bed or Water or Air Bed Charges
Payable for any ICU

patient requiring more
than 3 days in ICU, all
patients with
paraplegia/quadriplegia
for any reason and at
reasonable cost of
approximately
Rs 200/ day
155. Ambulance Collar
Not Payable
156. Ambulance Equipment
Not Payable
157. Microsheild
Not Payable
158. Abdominal Binder

be paid at least in post
surgery patients of
major abdominal
surgery including TAH,
LSCS, incisional hernia
repair, exploratory
laparotomy for
intestinal obstruction,
liver transplant etc.
ITEMS PAYABLE IF SUPPORTED BY A PRESCRIPTION

159. Betadine\hydrogen Peroxide\spirit\
dettol\savlon\Disinfectants etc
May be payable when

prescribed for patient,
not payable for hospital
use in OT or ward or for
dressings in hospital
172. Neosprin
Payable when
prescribed
173. Novarapid
Payable when
prescribed
174. Volini Gel/ Analgesic Gel
Payable when
prescribed
175. Zytee Gel
Payable when
prescribed
176. Vaccination Charges
Routine Vaccination
not Payable/ Post Bite
Vaccination Payable
PART OF HOSPITAL'S OWN COSTS AND NOT PAYABLE

177. AHD

Hospital's internal Cost
178. ALCOHOL SWABES

179. Scrub Solution/sterillium

OTHERS
180. Vaccine Charges for Baby
Not Payable
181. Aesthetic Treatment/ Surgery
Not Payable
182. TPA Charges
Not Payable
183. Visco Belt Charges
Not Payable
184. Any Kit with no Details Mentioned [delivery Kit,

Ortho kit, Recovery Kit, etc]
Not Payable
185. Examination Gloves
Not Payable
186. Kidney Tray
Not Payable
187. Mask
Not Payable
188. Ounce Glass
Not Payable
189. Outstation Consultant's/ Surgeon's Fees
Not Payable
190. Oxygen Mask
Not Payable
160. Private Nurses Charges- Special Nursing

Charges
Post hospitalization
nursing charges not
Payable
191. Paper Gloves
Not Payable
161. Nutrition Planning Charges - Dietician Charges

- Diet Charges
Patient Diet provided

by hospital is payable
192. Pelvic Traction Belt
162. Alex Sugar Free
Payable -Sugar free

variants of admissable
medicines are not
excluded
Should be payable in
case of PIVD requiring
tractions this is
generally not reused
193. Referal Doctor's Fees
Not Payable
163. Creams Powders Lotions (toileteries are not

Payable, only Prescribed Medical
Pharmaceuticals Payable)
Payable when
prescribed
194. Accu Check (glucometery/ Strips)
164. Digene Gel/ Antacid Gel
Payable when
prescribed
Not payable pre

hospitalisation or post
hospitalisation/Reports
and Charts required/
Device not payable
165. Ecg Electrodes
Upto 5 electrodes are

required for every case
visiting OT or ICU. For
longer stay in ICU, may
require a change and
at least one set every
second day must be
payable.
195. Pan Can
Not Payable
196. Sofnet
Not Payable
197. Trolly Cover
Not Payable
166. Gloves
Sterilized Gloves
payable/ unsterilized
gloves not payable
167. HIV Kit
Payable - payable
Pre operative screening
168. Listerine/ Antiseptic Mouthwash
Payable when
prescribed
169. Lozenges
Payable when
prescribed
170. Mouth Paint
Payable when
prescribed
171. Nebulisation Kit
If used during
hospitalization is
payable reasonably
198. Urometer, Urine Jug
Not Payable
199. Ambulance
Payable- Ambulance
from home to hospital
or interhospital shifts is
payable/ RTA as
specific requirement is
payable
200. Tegaderm/ Vasofix Safety
Payable - maximum of
3 in 48 hrs and then
1 in 24 hrs
201. Urine Bag
Payable where
medicaly necessary till
a reasonable cost maximum 1 per 24 hrs
202. Softovac
Not Payable
203. Stockings
Essential for case

like CABG etc. where
it should be paid.
15

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HDFC ERGO General Insurance Company Limited

HEALTH SURAKSHA POLICY

Arthritis, Gout and Rheumatism,

Chronic Nephritis and Nephritic Syndrome,

Diarrhoea and all type of Dysenteries including Gastroenteritis,

Diabetes Mellitus and Insupidus,

Psychiatric or Psychosomatic Disorders of all kinds,

Pyrexia of unknown Origin.

Room rent, boarding expenses,

Intensive care unit,

Anaesthesia, blood, oxygen, operation theatre charges, surgical

Medicines, drugs and consumables,

The Cost of prosthetic and other devices or equipment if implanted

The organ donor is any person in accordance with The Transplantation of

We have accepted an inpatient Hospitalisation claim under Benefit 1i).

Our maximum liability shall be restricted to the amount mentioned in the

We have accepted an inpatient Hospitalisation claim under Benefit 1i) or

We have accepted an inpatient Hospitalisation claim under Benefit 1i) &

We will not cover Emergency Ambulance expenses for

Day Care Procedures

Claims which have NOT been admitted under 1 i) and 1 iv)

NON registered healthcare or ambulance service provider ambulances.

viii. AYUSH Benefit

Hospitalisation is not for any evaluation or investigation

Asthma, Bronchitis, Tonsillitis and Upper Respiratory Tract

HDFC ERGO General Insurance Company Limited

HEALTH SURAKSHA POLICY

SECTION. 2. OPTIONAL BENEFITS (AVAILABLE IN SELECTIVE PLANS ON

Our maximum liability per delivery or termination shall be limited to the

We will pay the Medical Expenses of pre-natal and post-natal expenses

This benefit is available for Self or Spouse (as may be applicable) in a

Our maximum liability shall be limited to the amount specified in the

We will only pay for X-rays, extractions, amalgam or composite fillings,

Spectacles, Contact Lenses, Hearing Aid

One pair of spectacles or contact lenses, or

A hearing aid, excluding batteries.

We do not provide an E-opinion or make any representation as to

We assume no responsibility for and will not be responsible for any

In opting for this benefit and deciding to obtain an E-opinion, each

SECTION 3. CRITICAL ILLNESS BENEFIT OPTIONAL BENEFIT

Outpatient Dental Treatment

E-Opinion in respect of a Critical Illness

The Insured Person is first diagnosed as suffering from a Critical Illness

The Insured Person survives for at least 30 days following such

We will not make any payment if:

The Insured Person is first diagnosed as suffering from a Critical Illness

This benefit shall automatically terminate upon the occurrence of Critical

If mentioned in the policy schedule this benefit will be applicable to the

This benefit will be provided with a life-long renewability

SECTION 4. HOSPITAL DAILY CASH BENEFIT OPTIONAL BENEFIT

If the costs claimed are incurred as Outpatient Treatment expenses then

Our maximum liability shall be limited to the amount mentioned in the

HDFC ERGO General Insurance Company Limited

HEALTH SURAKSHA POLICY

Our maximum liability shall be restricted to the amount mentioned in the

We have accepted an inpatient Hospitalisation claim under Benefit 1i), and

bonus to the next Policy Year by automatically increasing the Sum

This benefit will be provided with a life-long renewability

In relation to a Family Floater, the cumulative bonus so applied will only