In-Hospital Indemnity

We will pay a Daily Benefit for each Day You are an Inpatient in a Hospital due to Injury or Sickness subject to any applicable Deductible or Franchise shown in the Policy Schedule, or the Schedule of Benefits (refer to 'Schedule of Benefits' of this Policy) that occurs outside the Republic of India and commences while this Policy is in effect. The Period of Confinement must be Medically Necessary and recommended by a Physician. The total benefits provided for any One Period of Confinement are subject to the In Hospital maximum shown in the Policy Schedule or the Schedule of Benefits (refer to 'Schedule of Benefits' of this Policy).

Definitions

Daily benefit
The amount payable for each Day spent in the Hospital.

One period of confinement
A Hospital confinement due to the same Injury or Sickness unless separated by at least 90 days.

Period of confinement
A period of consecutive Days of confinement as an Inpatient caused by an Accident, Injury, Disease or Sickness. However, successive confinements as an Inpatient caused by or attributable to the same Accident, Injury, Disease or Sickness are considered to be part of the same Period of Confinement, unless the discharge date for the prior confinement is separated from the admission date for the next confinement by at least the number of days shown in the Policy Schedule or the Schedule of Benefits (refer to 'Schedule of Benefits' of this Policy).

Only one Daily Benefit is provided for any one Day of confinement, regardless of the number of covered Accidents, Injuries, Illnesses or Sicknesses for which the confinement is required.

Exclusions
In addition to the General Exclusions listed in this Policy this coverage section shall not cover:

  • hospitalization in India; or
  • pregnancy and resulting childbirth, miscarriage or Disease of the female organs of reproduction; or
  • routine physical exams; or
  • elective, cosmetic or plastic surgery, except as a result of an Injury caused by a covered Accident while our policy is in force; or
  • any mental, nervous or emotional disorders or rest cures

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