Page 12 - Policy Handbook For DDU Employee -V-1

INDO-DDU-V1

DayCare Treatment: List of DayCare procedure attached as Policy Terms and Conditions Eligibility criteria
for Primary Insured Members

1. Employees of the company

Details of Optional Extensions Opted

1. Family Structure: Self Spouse and 2 Children upto 25 years Pre-existing diseases: Covered from day 1

Waiting Period
1. 30 Days Wait Period: Waived off

2. First year / Second year exclusions condition for specific diseases is Waived off for all Insured
Members.

Pre & Post Hospitalization

1. Pre & Post Hospitalization is covered for 30 - 60 days respectively only.

Maternity
1. Maximum Limit for Maternity claims is Rs. 35K (for Normal) and Rs. 50K (for CSC)

2. Maternity Expenses Benefit is available for Employees or Spouse only if covered in insured
member’s data received from policyholder.

3. Maternity claim is payable for First two dependent children only.

4. 9 month waiting period in respect of maternity claims waived off for all Insured Members
Corporate Floater Sum Insured

1. We shall reimburse the Insured Person such usual and necessary medical expense incurred in-
hospital for a period of minimum 24 hours for the treatment of the Critical Illness named below
only, after the exhausting the family floater Sum Insured as covered under the policy.

The Company shall provide additional Sum Insured over and above family floater Sum Insured
for an amount up to family floater Sum Insured subject to maximum of Rs. 2 Lac per Insured
Family on written our Aggregate Liability in respect of all such claims under Corporate Floater
shall not exceed Rs. 500000 for all the Insured members as applicable during the period of
insurance.

Critical Illness for the Corporate Floater shall mean the following diseases only:

 Renal Failure requiring Kidney Transplantation & Dialysis
 Cerebrovascular Strokes
 Open and Close Heart Surgery (inclusiveofC.A.B.G.)

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