| 7- Family Floater Coverage - Easy Health Family Floater Insurance Plan from Apollo Munich |
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| Source : Website of Apollo Munich Insurance Company Limited |
- Typical clinical symptoms (neurological abnormalities) of demyelination manifested as an impairment of motor & sensory functions.
- The diagnosis must establish that the Insured Person has exhibited these clinical symptoms (neurological abnormalities) that have existed for a continuous period of at least 6 calendar months or at least 2 clinically documented episodes at least 30 days apart.
- Characteristic findings in the cerebrospinal fluid as well as specific cerebral MRI lesions.
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Paralysis:
Total and irreversible loss of use of two or more limbs through paralysis due to Accident or Illness of the spinal cord. These conditions must be medically documented by a specialist Medical Practitioner for at least 90 days. |
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Excluded is:
Paralysis due to Guillain-Barré-Syndrome |
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Excluded are:
Transient ischemic attacks (TIA)
Traumatic injury of the brain
Neurological symptoms due to migraine |
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| 5. Dependents means only the family members listed below: |
- Your legally married spouse as long as she continues to be married to You;
- Your children Aged between 91 days and 21 years if they are unmarried, still financially dependant on You and have not established their own independent households;
- Your natural parents or parents that have legally adopted You, provided that:
- The parent was below 60 years at his initial participation in the Easy Health Individual Health Insurance Plan or Easy Health Family Floater Insurance Plan, and
- Parents shall not include Your spouse’s parents.
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6. Family Floater means a Policy described as such in the Schedule whereunder You and Your Dependents named in the Schedule are insured under this Policy as at the Commencement Date. The Sum Insured for a Family Floater means the sum shown in the Schedule which represents Our maximum liability for any and all claims made by You and/or all of Your Dependents during the Policy Period. |
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7. Hospital means any institution in India (including nursing homes) established for Medical Treatment which: |
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Either:has been registered and licensed as a hospital with the appropriate local or other authorities competent to register hospitals in the relevant area and is under the constant supervision of a Medical Practitioner and is not, except incidentally, a clinic, rest home, or convalescent home for the addicted, detoxification centre, sanatorium, home for the aged, mentally disturbed, remodelling clinic or similar institution.
Or (i) is under the constant supervision of a Medical Practitioner,
(ii) has fully qualified nursing staff (that hold a certificate issued by a recognised nursing council) under its employment in constant attendance , and
(iii) maintains daily records of each of its patients, and
(iv) has at least 10 Inpatient beds, and
(v) has a fully equipped and functioning operation theatre. |
8.Hospitalisation or Hospitalised means the Insured Person’s admission into a Hospital for Medically necessary Treatment as an inpatient for a continuous period of at least 24 hours following an Illness or Accident occurring during the Policy Period. |
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