Page 121 - Ebook health insurance IC27

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 Enable the customer to think and certify whether he suffered from any of the listed
diseases.

 Based on the information provided insurer may ask for further medical examination.

Policy clauses in major products

Hospitalisation indemnity plans
This is the most popular plan in health insurance and this is offered to both individuals
and to a group. These plans reimburse the insured the cost of medical treatment incurred
by the insured.

Reimbursement benefit
 Hospital expenses
 Accommodation costs, nursing care, operation theatre expenses
 Specialist consultations
 Surgeons and anesthetist fees
 Physicians fee for inpatient treatment
 Cost of medicines, cost of diagnostic test, chemotherapy, radiotherapy and scanning

charges

Exclusions
 Drug abuse
 Self-inflicted injuries
 Outpatient treatment
 HIV/Aids
 Cosmetic surgery
 Preventive treatment/immunisations
 Maternity in termination of pregnancy

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