Inclusions

• Construct - Benefits Sum Insured 
• Emergency medical expenses (Hospitalisation) including COVID19  $1,00,000 
• Daily Cash Cover – Cost of hotel stay on account of quarantine resulting due to COVID19 recommended by Medical Practitioner will be covered.

  Note: Mandatory quarantine or isolation imposed by any country without COVID -19 detection are excluded from scope of cover

   $2,450 ($175 per days for maximum of 14 days) 

Emergency Medical expenses:

We shall indemnify the Medical Expenses reasonably incurred by the Insured for medical treatment undertaken on account of any Illness contracted or Injury.

• a.
  Under this Benefit, Insured has the option to choose either :

  • (1)
    IN-PATIENT CARE

    If an Insured Person is diagnosed with an Illness or suffers an Injury that requires the Insured Person’s Hospitalization, then We will indemnify the Medical Expenses incurred on Hospitalization;

    OR
  • (2)
    IN-PATIENT CARE FOR INJURY

    If an Insured Person suffers an Injury that requires the Insured Person’s Hospitalization, then We will indemnify the Medical Expenses incurred on Hospitalization.

• b.
  DAY CARE TREATMENT

  If an Insured Person has to undergo Day Care Treatment, We will indemnify the Medical Expenses incurred on that Day Care Treatment.

  *Hospitalization resulting due to COVID19 will be covered. Please note that Mandatory quarantine or isolation imposed by any country without COVID -19 detection are excluded from scope of cover.

Exclusions

• 1)Mandatory quarantine or isolation imposed by any country without COVID -19 detection are excluded from scope of cover
• 2)
  Any Claim in respect of any Insured Person for, arising out of or directly or indirectly due to any of the following shall not be admissible under these Benefits unless expressly stated to the contrary elsewhere in the Policy: 

  • (i)Medical treatment taken outside the Country of Residence/City of Residence if that is the sole reason or one of the reasons for the journey. 
  • (ii)Any treatment or Medical Expense incurred for any illness/injury which was pre-existing at the time of commencement of Policy  
  • (iii)Any treatment, which could reasonably be delayed until the Insured Person's return to the Country of Residence/City of Residence 
  • (iv)Rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.
  • (v)Routine physical tests and / or examination of any kind not consistent with or incidental to the diagnosis and treatment of any Illness or Injury either in a Hospital or as an outpatient and any type of vaccination or inoculation if it does not apply to post-bite treatment.
  • (vi)Physiotherapy expenses or any services provided by chiropractitioner.
  • (vii)Expenses related to any kind of Non-medical charges, service charge, surcharge, night charges levied by the hospital under whatever head.

Daily Cash Cover

• 1.We will pay for each continuous and completed day of Hospitalization for a maximum specific duration as chosen by the Policyholder if the Illness or Injury suffered by the Insured Person requires Hospitalization. However, in case ‘Zero days’ deductible applicability, we will pay 50% of daily Allowance limit in case of Day Care Treatment.
• 2.Quarantine resulting due to COVID19 recommended by Medical Practitioner will be covered. Please note that Mandatory quarantine or isolation imposed by any country without COVID -19 detection are excluded from scope of cover.

Repatriation of Mortal Remains

If the Insured Person dies solely and directly due to an Accident, We will indemnify for the costs of repatriation of the mortal remains of the Insured Person back to the Country of Residence / City of Residence or for a local burial or cremation at the place where death has occurred.