| 8- Family Floater Coverage -Oriental Insurance Company Limited - Policy Wording |
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THE ORIENTAL INSURANCE COMPANY LIMITED,
Regd. Office: Oriental House, P.B. No. 7037, A-25/27, Asaf Ali Road, New Delhi- 110 002 |
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| (C)Other than the treatments mentioned under 2.3 (A), the condition of minimum 24 hours Hospitalisation SHALL also not apply provided |
- The treatment is such that it necessitates hospitalisation and the procedure involves specialised infrastructural facilities available only in hospitals,
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| OR |
- Surgical procedure involved has to be done under General Anaesthesia.
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| BUT |
| Due to technological advances hospitalisation in either of the case is required for less than 24 (twenty four) hours. |
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| 2.4 DOMICILIARY HOSPITALISATION BENEFIT: means Medical treatment for a period exceeding three days for such illness/disease/injury which in the normal course would require care and treatment at a hospital / nursing home as in-patient but actually taken whilst confined at home in India under any of the following circumstances namely: |
- The MEDICAL condition of the patient is such that the patient cannot be removed to the Hospital/Nursing Home
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| OR |
- The patient cannot be removed to Hospital/Nursing home due to lack of accommodation in any hospital in that city / town / village.
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| Subject however to the condition that Domiciliary Hospitalisation benefit shall not cover |
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(a) Expenses incurred for pre and post hospital treatment and
(b) Expenses incurred for treatment for any of the following diseases : |
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- Asthma
- Bronchitis,
- Chronic Nephritis and Nephritic Syndrome,
- Diarrhoea and all types of Dysenteries including Gastro-enteritis,
- Diabetes Mellitus and Insipidus,
- Epilepsy,
- Hypertension,
- Influenza, Cough and Cold,
- All Psychiatric or Psychosomatic Disorders,
- Pyrexia of unknown origin for less than 10 days,
- Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharingitis,
- Arthritis, Gout and Rheumatism.
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| 2.5 AMBULANCE SERVICES: Means ambulance service charges reasonably and necessarily incurred in case the insured person is to be shifted from residence to hospital or from one hospital to another hospital. The ambulance service charges are payable only if the hospitalisation expenses are admissible. Further the ambulance service charges are admissible only if such expenses are paid to registered ambulance services providers. |
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