Cardiac Care Platinum

_{^{Policy Benefits: (Applicable for Both Silver Plan and Gold Plan)}}

_{^{Section 1: Hospitalization cover}}

• Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs. These expenses include room, nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Blood,Operation Theatre, Diagnostics, imaging modalities , Cost of Medicines and Drugs.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
• Post-hospitalisation expenses incurred up to 7% of the hospitalization expenses subject to a maximum of Rs.5,000/- per hospitalization
• All Day-care treatments covered
• Pre-Existing Diseases / Illness are covered after 48 months of continuous coverage

_{^{Section 2: Cardiac Section}}

After a waiting period of 90 days, this policy covers treatments relating to Cardiac diseases. This waiting period will not apply for renewals.

_{^{Section 3: Out-Patient Expenses}}

Expenses reasonably and necessarily incurred at any Networked Facility in India herein defined as an Out-patient Treatment, provided policy is in force

The limit of benefit under this Section is Rs.500/- per event subject to a maximum of Rs.1500/- per policy period. This benefit forms part of the Sum Insured.

_{^{Section 4: Personal Accident}}

If at any time during the Period of Insurance, the Insured Person shall sustain any bodily injury resulting solely and directly from an Accident caused by external, violent and visible means and if such accident causes death of the Insured Person within 12 Calendar months from the date of Accident, then the Company will pay the Sum Insured mentioned in the schedule as compensation

Note:

• Geographical Scope: The insurance cover under Section 4 applies Worldwide
• The sum insured for Personal Accident is equal to Sum Insured opted for this policy

_{^{Cataract Sublimits (Applicable for Section 1 only):}}

Expenses for treatment of Cataract are payable up to Rs.20,000/- per hospitalization and Rs.30,000/- for the entire policy period.

_{^{Waiting period: (Applicable for both Plans)}}

_{^{Section 1:}}

• 30 days (Not applicable for Accidents)
• 24 months for specified illness/ diseases.
• 48 months for treatment of Pre existing diseases

_{^{Section 2:}}90 days

_^Co-Payment:

10% of each and every claim amount for insured persons beyond 60 years of age at entry level and renewals thereafter.(Applicable for Section 1 only)

_{^{Pre-Acceptance Medical Screening:}}

No pre-acceptance medical screening. However the proposer has to submit all the past medical records of the person proposed for insurance.

_^Exclusions:

Please refer to policy terms and conditions for complete information about exclusions

Instalment Facility: Premium can be paid Quarterly and Half Yearly. Premium can also be paid Annually, Biennial (once in 2 years) and Triennial (once in 3 years).