Accidental Hospitalization (Common Carrier) 

This policy provides insured individuals with coverage for the treatment of accidents. This includes hospital room rent, medicines, and tests in addition to ICU, transfusion, and doctors’ fees

Insured individuals are provided with coverage for inadvertent, accidental hospitalization amounting to the sum insured caused while traveling via a plane, bus, train, a rented cab, a rented bike, or on a cruise or ship. This, of course, is dependent on the diagnosis being backed up with a clinical confirmation provided by a qualified consultant neurologist and the admission to hospital, and claims for the same are made within the policy year.

Pre-hospitalization expenses are covered provided they are incurred immediately prior to the insured individual’s date of hospitalization of daycare treatment (if availed of) as per the limits specified in the policy schedule / certificate of insurance. This is provided that the claim is admissible under ‘Accidental Hospitalization Cover’ and the Pre-hospitalization Medical Expenses are related to the same Injury.

In the event that the insured individual needs to visit a doctor, coverage is provided for the same prior to and during hospitalization.

Medical tests conducted during the pre-outlined pre-hospitalization period or during the hospitalization period are provided with coverage as per this policy.

Expenses incurred as a result of purchasing medicine required as a result of hospitalization pertaining to accidents are provided with coverage.

Post-hospitalization expenses covered provided they are incurred immediately post the insured individual being discharged from the hospital of daycare treatment (if availed of) as per the limits specified in the policy schedule / certificate of insurance. This is provided that the claim is admissible under ‘Accidental Hospitalization Cover’ and the Pre-hospitalization Medical Expenses are related to the same Injury.