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Policy Wording – Health Protector Plus of 37 UIN: IFFHLIP21328V022021

HEALTH PROTECTOR PLUS UIN: IFFHLIP21328V022021

Policy Wording

This Policy is evidence of the contract between You and Us. The Proposal along with any written statement(s), declaration(s) of Yours for purpose of this Policy forms part of this contract. This Policy witnesses that in consideration of Your having paid the premium for the period stated in the Schedule or for any further period for which We may accept the payment for renewal of this Policy, We will insure the Insured Person(s) and accordingly We will pay to You or to Insured Person(s) or their legal representatives as the case may be, in respect of events occurring during the Period of Insurance in the manner and to the extent set-forth in the Policy including endorsements, provided that all the terms, conditions, provisions, and exceptions of this Policy in so far as they relate to anything to be done or complied with by You and/or Insured Person(s) have been met. The Schedule shall form part of this Policy and for purposes policy wording and schedule shall be read together. Any word or expression to which a specific meaning has been attached in any part of this Policy or Schedule shall bear such meaning wherever it may appear. The Policy is based on information which have been given to Us about Insured Person(s) pertaining to risk insured under the Policy and the truth of this information shall be condition precedent to Your or the Insured Person’s right to recover under this Policy. SECTION I DEFINITION OF WORDS

1. Accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means.

2. Age: It means age of the Insured person on last birthday as on date of commencement of the Policy.

3. Any One Illness meanscontinuous Period of illness and it includes relapse within 45 days from the

date of last consultation with the Hospital/Nursing Home where treatment was taken.

4. AYUSH Treatment refers to the hospitalization treatments given under ‘Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems..

5. AYUSH Hospital:

An AYUSH Hospital is a healthcare facility wherein medical/surgical/para-surgical treatment procedures and interventions are carried out by AYUSH Medical Practitioner(s) comprising of any of the following: a. Central or State Government AYUSH Hospital or b. Teaching hospital attached to AYUSH College recognized by the Central Government/Central

Council of Indian Medicine/Central Council for Homeopathy; or

Policy WoUIN: IFFH

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ording – Health HLIP21328V022

c. AYUSH Hsystem osupervisfollowini. Havii. Haviii. Hav

theiv. Ma

rep

AYUSH Day CAYUSH Day Centre (PHC)local authoritand medical AYUSH Medicall the followi

i. Haviii. Havi

theaiii. Main

repre

Break in PolicIt means the for renewal othereof.

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a. Intebody

b. Extebody

Daycare centIt means anysetup with a and is under sminimum crit

Protector Plus 2021

Hospital, stanof medicine, rsion of a qualg criterion: ving at least 5ving qualifiedving dedicate

eatre where saintaining daipresentative.

Care Centre Care Centre , Dispensary, ties, whereveor surgical/p

cal Practitioneing criterion: ng qualified ring dedicatedtre where surntaining dailyesentative.

cy period of gap

on a given pol

lity means a f

ndergone by tnetwork prov

ecedent shall ditional upon.

nomaly referform, structurrnal Congenity

ernal Congeniy.

tre y institution ehospital and wsupervision ofterion as unde

ndalone or coregistered witlified registere

5 in-patient be AYUSH Medi

ed AYUSH thurgical procedly records of

means and Clinic, Polycl

er applicable apara-surgical er (s) on day c

registered AYUd AYUSH thergical proceduy records of t

that occurs alicy is not paid

facility extendthe insured inider by the in

mean a policy

s to a conditire or positiontal Anomaly:

ital Anomaly:

established fowhich has beef a registered er:

o-located withth the local aed AYUSH Me

eds; cal Practitionerapy sectiondures are to b

the patients

includes Cominic or any suand having fainterventionscare basis wit

USH Medical Perapy sectionures are to be the patients

at the end of td on or befor

ded by Us to accordance wsurer to the e

y term or con

on(s) which is. Anomaly whi

: Anomaly wh

r day care treen registered and qualified

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be carried out;and making

mmunity Healuch health ceacilities for ca or both und

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the existing pore the premiu

the insured wwith the polic

extent pre-aut

dition upon w

s present sinc

ch is not in th

hich is in the

eatment of ilwith the loca

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ound the cloced and/or ha; them access

lth Centre (Centre which isarrying out trder the supe

ent services an

) in charge; d and/or ha

them accessi

olicy term, whm renewal da

where the paycy terms and cthorization is a

which the Insu

ce birth, and w

he visible and

visible and a

lness and/or l authorities,

ctitioner AND

cility of any recable, and is uust comply wi

ck; as equipped

ible to Our a

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hen the premiate or within

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ts (RegistratioSection 56(1) olified nursing east ten inpanpatient bedslified medical lly equipped ons daily record

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vate Medical C

mes Registrats Registrationcharya Griha

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hospital permfic situations s

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hedule of sec3 or any amenCare Establish

ion Act, 1949 Act, 1953. Tatha Rujopchiniyam, 1973. tration Act, 19ents Act, 1997ntrol and Regtration Act, 19

nts Act, 1950.

itted temporshall also be re

minimum perures/ treatmee hours.

ndition leadin

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essible to Our

ction 56 of cdments therements (Regist

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har Sanbabdu

992. 7. gulation) Act, 1991.

arily by Centegarded as a h

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pe with it

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d by Emergeay from homeed repatriatio

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ht accorded tver), to transfeer to another

cal Expenses xpenses incurscharged fromical Expenses

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ual health ingained for pre

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Protector Plus 2021

condition, ailmare diagnosed

by the insurer ch medical a48 months pement.

ization MedicMedical Expion of the Insedical Expenslization was re

patient Hospit

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ount mention

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reatened usecommission ofnment, with tcial or religios, primarily co

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errorist activitGovernment a

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ty. Terrorism as an act of te

r (TPA) meanswhatever namhealth service

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e inception oon of the perioewed without

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