Special Conditions:

1. These benefits are admissible only if the expenses are incurred in a hospital/nursing home as in-patients in India.
2. A waiting period of 9 months is applicable for payment of any claim relating to normal delivery or caesarean section or abdominal operation for extra uterine pregnancy. The waiting period may be relaxed only in case of delivery, miscarriage or abortion induced by accident or other medical emergency.
3. Claim in respect of delivery for only first two children will be considered in respect of any one insured person. Those insured persons who already have two or more living children will not be eligible for this benefit.
4. Expenses incurred in connection with voluntary medical termination of pregnancy during the first 12 weeks from the date of conception are not covered.
5. Pre-natal and post-natal expenses are not covered unless admitted in hospital/nursing home and treatment is taken there.

Details of Insured Person

• The insured is required to furnish a complete list of insured persons according to sum insured in the prescribed format
• Any additions and deletions during the currency of the policy should be intimated in the same format
• No change of sum insured is permitted within the currency of the policy
• No refund of premium is allowed for deletion of insured person if he has recovered a claim under the policy

Cancer Policy (CPAA)

We have seen that cancer is not covered under mediclaim policies.

However, members of the Cancer Patients Aid Association (CPAA) can take up a policy to cover cancer.

Let us see the details relating to the cancer policies.