Page 393 - Misc Ebook IC 78

Miscellaneous Insurance

a period exceeding three days for any illness or disease
or injury which in normal course would have required
care and treatment at the hospital or nursing home but
actually taken at home under any of the following
circumstances:
(i) If the condition of the patient is such that he or she

cannot be removed to any hospital and nursing
home or
(ii) There is lack of accommodation at the local hospital
or nursing home.

However there are certain benefits that are not
covered by this insurance, they are:
(i) Expenses incurred for pre-and post hospitalisation

treatments
(ii) Expenses incurred for treatment of any one of the

following diseases (a) Asthma (b) Bronchitis is (c)
Chronic Nephritis (d) Diarrhoea and all types of
Dysenteries including Gastro-enteritis (e) Diabetes
Mellitus and Insipidus (f) Epilepsy (g) Hypertension
(h)Influenza, Cough and Cold (i) all Psychiatric or
Psychosomatic disorders (j) Pyrexia of unknown

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