Hospital Cash. If We have accepted an Inpatient Care Hospitalization claim under Section 2.1 (Inpatient Care), We will pay the Hospital Cash amount specified in the Product Benefits Table up to a maximum 30 days of Hospitalization during the Policy Year for the Insured Person for each continuous period of 24 hours of Hospitalization from the first day of Hospitalization provided that:
a. The Insured Person has been admitted in a Hospital for a minimum period of 48 hours continuously.
b. We will not make any payment under this option for Section 2.6 (Domiciliary Hospitalization).
Hospital Cash. If We have accepted an Inpatient Care Hospitalization claim under Section 2.1 (Inpatient Care), We will pay the Hospital Cash amount specified in the Product Benefits Table up to a maximum 30 days of Hospitalization during the Policy Year for the Insured Person for each continuous period of 24 hours of Hospitalization from the first day of Hospitalization provided that:
a. The Insured Person has been admitted in a Hospital for a minimum period of 48 hours continuously.
b. We will not make any payment under this option for Section 2.6 (Domiciliary Hospitalization), Section 2.7 (Maternity Benefit) and Section 2.8 (New Born Baby).
Hospital Cash. In the event of Accidental Bodily Injury or Sickness first occurring or manifesting itself during the Policy Period and causing the Insured’s or the Named Insured’s Hospitalization within the Policy Period, the Company will pay:
1. the Daily Allowance for each continuous and completed period of 24 hours of Hospitalization necessitated solely by reason of the said Accidental Bodily Injury or Sickness, or
2. two times the Daily Allowance for each continuous and completed period of 24 hours required to be spent by the Insured or Named Insured in the Intensive Care Unit of a Hospital during any period of Hospitalization necessitated solely by reason of the said Accidental Bodily Injury or Sickness for a maximum period of 7 days for each hospitalization. The maximum daily allowance under this section payable to the Insured or his family members individually or collectively is as shown in the schedule of this policy. The maximum period for which the daily allowance would be paid individually or collectively would not exceed Thirty days during any one policy period. This period would be inclusive of the period of stay in Intensive care unit of a Hospital during the policy period. EXCLUSION SPECIFIC TO SECTION HOSPITAL CASH We will not pay for claims arising out of or howsoever connected to the following:
1. Pre-existing disease: Any pre-existing disease, for which care, treatment or advice was sought, recommended by or received from a Physician or for which a claim has or could have been made under any earlier policy.
2. Any treatment not performed by a Physician or any treatment of a purely experimental nature.
3. Any and all variants of the condition commonly referred to as Cancer, except in case of invasive malignant melanoma.
4. Any routine or prescribed medical check up or examination. Medical Expenses relating to any hospitalization for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or accidental Bodily Injury for which hospitalization is required.
5. Any Sickness that has been classified as an Epidemic by the Central or State Government.
6. Sickness requiring Hospitalization within the first 30days from the commencement date of the Policy Period unless the Policy is renewed without interruption and with the Company.
7. Without prejudice to Exclusion 1 above, the treatment of cataracts, benign prostatic hypertrophy, hysterectomy, menorrhagia, ...
Hospital Cash. The Company will pay a fixed amount, as specified against this Benefit , up to a maximum 7 days of Hospitalization during the Policy Year for each continuous and completed period of 24 hours of Hospitalization of the Insured Person, subject to the conditions specified below:
1. The Hospitalization period exceeds 3 continuous days.
2. The Company will be liable to pay from the 4th day till the 10th day for a block of continuous Hospitalization arising from Any One Illness or Accident.
3. The Company has accepted the Insured Person’s claim under Benefit 3.1 (Hospitalization Expenses).
4. The fixed amount limit per day applicable for different variants under this policy are as follows: Silver Rs.500/-, Gold Rs.1000/- and Platinum Rs.1500/-
Hospital Cash. 3.1.2.1. Benefit per consecutive night for the INSURED PERSON that stays as inpatient for more than 48 hours in a HOSPITAL. The benefit is limited to 30 nights per policy year.
3.1.2.2. The benefit per night according to the dispositions of article 3.
1.2.1 will be doubled in case of a coma;
Hospital Cash. The Insurer will pay twice the Benefit Amount specified in section 1 in the Policy Schedule if during any Period of Insurance, the Insured Person sustains Bodily Injury or Illness, which results in admission to an Intensive Care Unit on the recommendation of a Medical Practitioner. The benefit payable for an Intensive Care Unit allowance is subject to a maximum of sixty (60) days as a result of any one accident or Illness to an Insured Person in the same insurance year of the Policy. For days of hospitalization beyond sixty (60) days, The Insurer will only pay the benefit under Section1.
Hospital Cash. If the Insured Person has multiple policies which contain Accidental Death cover issued by the Company, the maximum liability of the Company in respect of Accidental Death cover shall not exceed HK$5,000,000 in aggregate and each relevant policy shall bear a proportionate share of the total loss. In the event of no claim being made or arising under this Policy for any period of three (3) consecutive years, thirty percent (30%) of the premiums received during this period by the Company will be refunded to You without interest. Further refund will only be paid for another period of three (3) consecutive years from the date of the previous refund. In no circumstance the refund will be paid before the end of a period of three
