Page 108 - Misc Ebook IC 78

The Insurance Times

hospitalisation expenses it also covers all the related
medical expenses for that particular disease, illness
or injury for one month of pre hospitalisation and
two months of post hospitalisation period.

In case of continuous insurance without break and
without any claim, the sum insured gets increased
by 5% for each claim free year of insurance subject
to a maximum of 10 years. In the event of a claim
the increased percentage gets reduced by 10% of
the sum insured at the next renew will but never
goes below the basic sum insured.

This is known as cumulative bonus. If the insured
continues the policy without any break, he is entitled
to another benefit, reimbursement of medical
checkups once in every four underwriting years
subject to no claim requested during this period. The
cost is restricted to 1% of the average sum insured
during the block of four years.

Jan Arogya Bima policy is designed to provide

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