Accident - Medical Appliance Cover

In-patient Hospitalization

If during the policy year, the policyholder suffers an injury due to an accident caused by an event covered under the policy and directly results in hospitalization, the expenses covered in the policy are reimbursed, as per the limits specified. The payout is for hospitalization to avail medically necessary treatment of the policyholder, and the admission date is within the policy year.

1. Room charges up to the category specified in the policy schedule
2. Charges for accommodation in ICU/CCU/HDU
3. Operation theatre cost
4. Medical practitioner’s fees
5. Specialist’s fee 
6. Surgeon’s fee
7. Anaesthetist’s fee
8. Radiologist’s fee
9. Pathologist’s fee
10. Assistant surgeon’s fee
11. Qualified nurses’ fee
12. Medication
13. Cost of diagnostic tests as an in-patient
14. Surgical appliance or medical appliance

If the policyholder is admitted in a room where the room rent incurred is higher than that what is specified in the policy schedule, then the policyholder shall bear a ratable proportion of the total associated medical expenses (including surcharge or taxes thereon). The expenses should be in proportion to the difference between the room rent of the entitled or eligible room rent to the room rent actually incurred unless specified otherwise. 

Artificial life maintenance will be covered, including life support machine use, where such treatment will not result in recovery or restoration of the previous state of health under any circumstances unless in a vegetative state as certified by the treating medical practitioner.

Daycare will be covered under the benefit if opted and specified under the policy schedule.

The benefit is payable up to the limit as specified in the policy schedule.

Accidental Pre-Hospitalization (5 days)

The pre-hospitalization Medical Expenses will be paid immediately before the policyholder's date of hospitalization or daycare (if opted) up to the limits, as specified in the policy schedule. The claim must be admissible under ‘accidental hospitalization cover,’ and the pre-hospitalization medical expenses are related to the same injury. The date of admission to the hospital for this benefit shall be the date of the policyholder's first admission in relation to any injury.

Accidental Post Hospitalization (5 days)

The post-hospitalization medical expenses will be paid post-discharge of the policyholder immediately from the hospital or daycare (if opted) up to the limits as specified in the policy schedule. The payout is eligible provided that a claim is admissible under ‘hospitalization cover’ and the post-hospitalization medical expenses are related to the same injury. 

The date of discharge from the hospital for this benefit shall be the date of the policyholder's last discharge from the hospital concerning any one injury.

Accident Medical Appliances

If the policyholder suffers an injury due to an accident caused by an event covered under the policy and results in the policyholder requiring a medical practitioner to use asthma pumps, blood glucose monitors, surgical stockings, CPAP devices, hearing aids, spinal supports, knee braces, crutches, wheelchair, walker, walking stick, nebulizer, catheter, thermometer, BP monitor, infusion pump, digital fetal monitor or to conduct the daily activities through the artificial limb, prosthetic device. The actual costs will be paid for such external aids and appliances up to the limit specified in the policy schedule.

Treatment Charges

Treatment charges include the hospital room rent, ICU charges, transfusion charges, doctor's consultation fees, expenses of purchasing medicines, and charges of conducting diagnostic tests.