The reason for this being
- The patient was too ill to be transferred to a hospital, or
- Hospitalization was not possible due to lack of accommodation therein. Domiciliary Hospitalization excludes certain diseases such as Asthma, Bronchitis, Hypertension, Psychiatric Disorders etc.
Post Hospitalization care is included for 60 days after Hospitalization by way of medical expense coverage.
The claim does not cover pre existing diseases. A few diseases other than those mentioned in the clause which occur during the first 30 days from the commencement date of the policy like cataract, hydrocele, hernia etc. are not covered during the first year of insurance cover.
The policy does not provide coverage during pregnancy. The same may be obtained however, by group coverage with a loaded premium of about 20-25%
Family coverage is applicable for a family with two children only.