![Page 1: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/1.jpg)
Policy Wording – Health Protector Plus Page 1 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
![Page 2: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/2.jpg)
Policy WoUIN: IFFH
6.
7.
8.
9.
10.
11.
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.
Cashless facitreatment unmade to the n Condition Prepolicy is cond Congenital Areference to f
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
h in-patient huthorities, whedical Practiti
er in charge rons as require
be carried out;and making
mmunity Healuch health ceacilities for ca or both und
thout in-patie
Practitioner(s)s as requirecarried out; and making
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
d medical prac
ealthcare facherever applicioner and mu
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
Page 2
cility of any recable, and is uust comply wi
ck; as equipped
ible to Our a
CHC), Primarys registered wreatment prorvision of regnd must comp
s equipped
ble to Our a
hen the premiate or within
yments, of thconditions, arapproved.
urer's liability
which is abno
accessible pa
accessible pa
injuries or a wherever appmust comply
of 37
ecognized under the ith all the
operation
uthorized
y Health with the cedures gistered ply with
operation
uthorized
ium due 30 days
e costs of re directly
under the
rmal with
arts of the
rts of the
medical plicable, with all
![Page 3: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/3.jpg)
Policy WoUIN: IFFH
12.
13.
14.
15.
16.
17.
18.
19.
ording – Health HLIP21328V022
i. has qualii. has qualiii. has a fuliv. maintain
Day Care TreaI. Is un
(tweII. whic
Treatment no Deductible It is a cost-shnot be liablenumber of dapayable by thThe deductibbasis in case o Dental Treatfillings (where Domiciliary Hnormal courshome under a
i. the cohospit
ii. the pa
Emergency AEmergency Mfrom their de Floater BenefIt means the whole family policy for all tFloater policy Grace Periodwhich a paymbenefits suchthe period fo Hospital/ NuIt means anyinjuries and w
Protector Plus 2021
lified nursing lified medical lly equipped ons daily record
atment meanndertaken undenty-four) hrs.ch would have
ormally taken
aring requireme for a specifays/ hours in he Insurer. A dle shall be apof “Super Top
mentIt meane appropriate
Hospitalizatiose would requany of the foll
ondition of thal or tient takes tre
Assistance SeMedical Assisteclared place o
fit amount of Sucovered und
the covered fy.
means the spment can be h as waiting pr which no pr
rsing Home y institution ewhich has be
staff under itspractitioner (
operation theads of patients
ns medical treder General o. because of tee otherwise re
on an out-pa
ment under a fied rupee amcase of hospi
deductible doeplicable on a
p Up” policies.
s a treatmente), crowns, ext
on means meuire care and lowing circumhe patient is
eatment at ho
ervice Providance and Perof residence in
um Insured mder the policy family membe
pecified periomade to reneeriods and coemium is rece
established foeen registered
s employment(s) in charge; atre of its ow and shall ma
atment, and/r Local Anesthechnological aequired a hosp
tient basis is n
health insuramount in caseital cash polices not reduceper event bas.
t carried out tractions and
edical treatmtreatment at
mstances: such that he
ome on accou
er means thrsonal Servicen India
mentioned in twhich will be
ers put togeth
od of time immew or continoverage of Preeived.
or in-patient cd as a hospita
t;
n where surgike these acce
or surgical prohesia in a hosadvancementpitalization of
not included i
ance policy thae of indemnitcies which wile the suminsursis in case of “
by a dental psurgery.
ment for an a hospital bu
e/she is not i
unt of non-ava
e licensed ees to people t
the Policy Sche the maximuher, during th
mediately folloue the policye- existing dis
care and dayal with the lo
ical procedureessible to Our
ocedure whicspital/day care, and
f more than 24
n the scope o
at provides thty policies anl apply beforered. “Top Up” polic
practitioner in
illness/diseast is actually t
n a condition
ailability of roo
ntity which wtravelling mor
hedule which um amount pe policy perio
owing the prey in force withseases. Covera
y care treatmocal authoritie
Page 3
es are carried authorized pe
h: e centre in les
4 (twenty fou
of this definitio
hat the Insurend for a spece any benefit
cy and on per
ncluding exam
e/injury whicaken while co
n to be remo
om in a hospit
will provide re than 150 k
is common topayable underod if opted to
emium due dahout loss of cage is not ava
ent of illnesses under the
of 37
out ersonnel.
ss than 24
r) hours.
on.
r will cified s are
year
minations,
ch in the onfined at
oved to a
tal.
identified kilometres
o the r this be a
ate during continuity ailable for
s and/or Clinical
![Page 4: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/4.jpg)
Policy WoUIN: IFFH
*Follow(Regist
20.
21. It mphy
i.
ii
22.
ording – Health HLIP21328V022
EstablishmenSchedule of Si. has qualii. has at le
fifteen iniii. has qualiv. has a fulv. maintain
wing are thetration and Re
1.
2. 3. 4.
5. 6. 7. 8. 9.
Note: Any mand allowed
Hospitalizatio“In-patient Cafor a period o Illness
means a sickysiological fun. Acute Con
which aimdisease/ il
i. Chronic Ccharacteria) it ne
and /b) it nec) it reqd) it cone) it rec
Injury meansexternal, viole
Protector Plus 2021
ts (RegistratioSection 56(1) olified nursing east ten inpanpatient bedslified medical lly equipped ons daily record
e enactmentsegulation) Act
The AndhraRegulation)The BombaThe Delhi NThe Madhy
(RagistrikarThe ManipuThe NagalaThe Orissa CThe Punjab The West B
make-shift ord by the IRDA
on means admare” hours ex
of less than 24
ness or a diction and reqndition mean
ms to return tllness/ injury w
Condition meistics
eeds ongoing / or tests eds ongoing oquires rehabilntinues indeficurs or is likely
s accidental phent, visible an
on and Reguof the said Actstaff under itstient beds, in
s in all other ppractitioner (
operation theads of patients
s specified unt, 2010 as of O
a Pradesh Priv) Act, 2002. y Nursing Hom
Nursing Homesa Pradesh Upran Tatha Anuur Homes andnd Health CarClinical EstablState Nursingengal Clinical
r temporary hI under specif
mission in a Hxcept for spec4 (Twenty-fou
sease or patuires medicals a disease, ithe person towhich leads to
eans a diseas
or long-term
or long-term citation for theinitely y to recur
hysical bodily nd evident me
lation) Act, 2t, OR complies employment
n those townsplaces; (s) in charge ratre of its ow and shall ma
nder the SchOctober 2013
vate Medical C
mes Registrats Registrationcharya Griha
ugyapan) Adhid Clinics Registre Establishmeishments (Co
g Home RegistEstablishmen
hospital permfic situations s
Hospital for a mcified procedur) consecutive
thological con treatment. llness or injur
o his or her so full recovery
se, illness, or
m monitoring
control or reliee patient or fo
harm excludieans which is v
010 or unders with all mint round the cls having a po
ound the clocn where surgike these acce
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
ry that is likestate of healty.
injury that
through cons
ef of symptomor the patient
ng illness or dverified and c
r the enactmimum criterialock;
opulation of le
ck; ical procedure
essible to Our
ction 56 of cdments therements (Regist
.
har Sanbabdu
992. 7. gulation) Act, 1991.
arily by Centegarded as a h
riod of 24 (Twnts, where su
ng to the im
ly to responsh immediatel
has one or m
sultations, exa
ms to be special
disease solely ertified by a M
Page 4
ents specifieda as under:
ess than ten
es are carried authorized pe
clinical Estabeof. tration and
u Sthapamaue
1990.
ral/ State Govhospital.
wenty-four) couch admission
mpairment of
e quickly to tly before suff
more of the
aminations, c
trained to co
and directly cMedical Practi
of 37
d under
lakhs and
out ersonnel.
lishments
e
vernment
onsecutive n could be
normal
treatment fering the
following
check-ups,
pe with it
caused by itioner.
![Page 5: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/5.jpg)
Policy WoUIN: IFFH
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
ording – Health HLIP21328V022
Inpatient Car24 (twenty fo Insured Perso Intensive Caconstant supcontinuous msupport faciliintensive tha Medical Adviof any prescr Medical expefor medical tlong as theseand no moremedical treat Medically Nemedication, o
a. is reb. mus
medc. musd. Mus
prac Medical Pracor Medical CGovernment jurisdiction; Practitioner s Medical ServProvider duriconsultation Migration It means, thecover and meconditions an Network Proprovide medi
Protector Plus 2021
re means treaour) hours for
onThe Person
re Unit meanervision of a
monitoring anties and when in the ordin
ice means anyiption or follo
enses means ttreatment on e are no moree than other htment.
ecessary Treaor stay in hospquired for thet not exceed
dical care in sct have been p
st conform toctice or by the
ctitioner is a pCouncil of Inof India or a and is acting
should not be
vices: means ng a medical and evaluatio
e right accordembers of grond time bound
ovider means ical services to
atment for wha covered eve
n(s) named as
ns an identifdedicated me
nd treatmentre the level oary and other
y consultationow-up prescrip
those expenseaccount of Il
e than would hhospitals or d
atment–Medicpital or part ofe medical mand the level ofcope, durationprescribed by o the profes
e medical com
person who hndia or Coun
State Governg within the the Insured o
the stipulateemergency s
on, medical ref
ed to health oup Health insd exclusions, w
hospitals enlo an insured b
hich the insureent.
Insured Perso
ied section, wedical practit
t of patients of care and sur wards.
n or advice frption
es that an Insllness or Accihave been paoctors in the
cally necessarf a stay in hosnagement of tf care necessn, or intensity;a medical pra
ssional standmunity in Ind
olds a valid recil for Indiannment and is
scope and or close family
ed medical seituation whileferrals, medic
insurance polsurance policywith the same
listed by an iby a cashless f
ed person has
on(s) in the Sc
ward or wingioner(s), and who are in pervision is c
om a Medica
ured Person hdent on the ayable if the Insame locality
ry treatment spital which the illness or isary to provid;
actitioner, ards widely ia.
egistration fron Medicine o
thereby entijurisdiction o
y member
ervices offerede You are awacally supervise
icyholders (iny), to transfer
e insurer.
nsurer, TPA ofacility.
s to stay in a
chedule attach
g of a hospitwhich is speca critical cononsiderably m
l Practitioner
has necessariladvice of a Mnsured Persony would have
is defined as
injury sufferedde safe, adeq
accepted in
om the Medicor for Homeotled to practi
of license. Th
d by Emergeay from homeed repatriatio
ncluding all mr the credit ga
or jointly by
Page 5
hospital for m
hed to the pol
tal which is ucially equippendition, or remore sophistic
including the
y and actuallyMedical Practin had not beee charged for
s any treatme
d by the insurquate and ap
internationa
cal Council of opathy set uice medicine he registered
ncy Assistance, consisting on.
embers undeained for pre-
an insurer an
of 37
more than
licy.
under the ed for the equire life cated and
e issuance
y incurred tioner, as
en insured the same
ent, tests,
red; ppropriate
l medical
any State p by the within its
d Medical
ce Service of medical
er family -existing
nd TPA to
![Page 6: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/6.jpg)
Policy WoUIN: IFFH
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
ording – Health HLIP21328V022
The list of neplease check list of such ho Non- Networ
Notification recognized m Out-Patient associated faMedical Pract Personal SerProvider duritransmission,remains, pres Policy It means thesattaching to oInsured persoissued to The Policy Periodfor which the Policy Schedu Policy year -policy period years, policy policy year amentioned in Portability mmembers undexclusions, fr Post Hospital
It meaInsure
a)
b)
Pre-existing D
Protector Plus 2021
twork hospitaour website
ospitals before
rk Provider m
of Claim is tmodes of comm
(OPD) treatmacility like a ctitioner. The I
rvicesmeans tng a medical , care of minscription assis
se Policy woror forming paon, what is ex
e Insured pers
d/ Period of Ine Policy is issue
ule - It means
- It means a pand ending oyear shall me
and lapsing on the schedule
means the rigder family covom one insur
lization Medians Medical Exd Person is di Such Medi
Hospitaliza) The inpati
Insuranc
Disease
als is dynamicwww.iffcotoke admission.
eans any hosp
the process omunication
ment means consultation rnsured is not
the other ememergency si
nor children stance, and leg
rdings, the Port thereof. Thxcluded from on.
nsurance - It med.
the Policy Sch
period of twelon the last dayean a period on the last de.
ht accorded tver), to transfeer to another
cal Expenses xpenses incurscharged fromical Expenses
ation was requent Hospitalie Company.
c and hence mkio.co.in or co
pital/ day care
of intimating
treatment inroom for diagadmitted as a
mergency sertuation whileleft unattend
gal and interp
olicy Schedulehe Policy conta
the cover an
means period
hedule attach
ve months bey of such twelof twelve mo
day of such t
to an individer the credit g.
rred during prm the hospitas are for the uired, and ization claim
may change froontact our cal
e centre that
a claim to U
which the Ignosis and tra day care or i
vices offerede You are awaded due to mpreter referral
and any appains details of
nd the terms
d of one policy
hed to and for
eginning fromlve-month peonths commetwelve-month
ual health ingained for pre
re-defined nul, provided thsame conditi
for such Ho
om time to timl centre/ nea
is not part of
Us or our TP
nsured visits reatment basin-patient.
d by Emergeny from home,medical incids.
plicable endorf the extent o& conditions
y year as men
rming part of P
m the date of criod. For the pncing from thh period, till
surance police-existing cond
mber of daysat: ion for which
ospitalization
Page 6
me. We suggerest office for
the network.
PA through an
a clinic / hoed on the ad
ncy Assistanc, consisting of
dent, return o
rsements or ef cover availaon which the
ntioned in the
Policy.
commencemepurpose of suhe end of the
the policy p
cy holder (incditions and tim
s immediately
h the Insured
is admissibl
of 37
est you to r updated
ny of the
ospital or dvice of a
ce Service f message of mortal
extensions ble to the e Policy is
e schedule
ent of the ubsequent e previous period, as
cluding all me bound
y after the
d Person’s
e by the
![Page 7: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/7.jpg)
Policy WoUIN: IFFH
44.
45.
46.
47.
48.
49.
50.
51.
52.
ording – Health HLIP21328V022
It meansany ca) That is/a
issued bb) For whi
within 4reinstate
Pre-Hospitali
It means hospitalizata) Such M
Hospitalb) The In-p
Proposal mestatements a
Qualified Nuthe Nursing C Reasonable standard chageographical involved. Renewal defiwith a provisfor pre-existin Room rent It include the as
Sum Insuredlimit of indemmaximum liab Surgery or Suof an illness osuffering andpractitioner.
Terrorism/Tecausing damaproperty, agapursuing ecoare declared arising prima
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
eans any signnd any inform
rse means a Council of any
and Customaarges for thearea for iden
ines the termion of grace png diseases, t
means the amssociated med
means the mmnity availabbility under a
urgical Procedor injury, corred prolongatio
errorist Incideage, injury, haainst any indinomic, ethnicor not. Robberily from prio
ment, injury od by a physicior its reinstatdvice or trea
prior to the
cal Expenses penses incurured Person, ses are incurequired,and alization claim
ned proposalmation in addit
person who hstate in India
ary Charges e specific prtical or simila
ms on which tperiod for treaime-bound ex
mount chargedical expense
monetary amoble to any of
claim and all
dure means mection of defoon of life, p
entmeans anyarm or disrupividual, propec, nationalisticeries or other
or personal re
or disease ian within 48 tement or atment was r
effective da
red during provided that
rred for the s
m for such Hos
by filing uption thereto s
holds a valid a
means the crovider and r services, tak
the contract oating the renexclusions and
ed by a hospitas.
ount mention
the Insured claims in the
manual and / oormities and derformed in
y actual or thption, or the certy or governc, political, rar criminal actselationships b
months prio
ecommendedte of the po
pre-defined t: same conditi
spitalization is
p the questiosupplied to Us
registration f
charges for seconsistent wking into acco
of insurance cewal continuofor all waiting
al towards roo
ed in the schPersons seveaggregate in t
or operative pdefects, diagno
a hospital o
reatened usecommission ofnment, with tcial or religios, primarily co
between perp
r to the effec
d by, or receiolicy issued
number of
on for which
s admissible b
onnaires ands by You.
rom the Nurs
ervices or suwith the prevount the natur
can be renewous for the pug periods.
om and board
hedule as Sumerally or jointthe Period of
procedure (s) osis and cure or day care
e of force or vf an act dangthe stated orus interests, w
ommitted for etrator(s) and
Page 7
ctive date of t
ived from, a by the insur
days prece
h the Insured
byUs.
declarations
sing Council o
upplies, whichvailing chargere of the illne
wed on mutuaurpose of gain
ding expenses
m Insured whly and represInsurance.
required for tof diseases, rcentre by a
violence direcerous to hum
r unstated obwhether suchpersonal gain
d victim(s) sh
of 37
the policy
physician rer or its
eding the
Person’s
s, written
of India or
h are the es in the ss / injury
al consent ning credit
s and shall
ich is the sents Our
treatment elief from
a medical
cted at or man life or bjective of h interests n and acts all not be
![Page 8: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/8.jpg)
Policy WoUIN: IFFH
53.
54.
55.
56.
57. SECTIONA. COVER
WHAT If the sustain(includto incexpenCustomHospit
1. Roo
exp
2. SurgConconprevwhe/ su
3. Exp
OpeMeddiagChePac
ording – Health HLIP21328V022
considered tethe relevant G
Third Party Ainsurer, for aagreement, fo Unproven/Exbased on esta Waiting PerioIt means a penot covered. has been con We/Our/Us/
You/Your me
II RAGE
IS COVERED Insured Perso
ns any Injuding any act ocur Medicallyses, then Wemary Chargtalization expe
om Rent (incluense etc.)
geon, Anesthnsultants, Spsultation thrvailing Telemether paid dir
urgeon or to th
enses on Aeration Theadicines and Dgnostic imagemotherapy, emaker, Ar
Protector Plus 2021
errorist activitGovernment a
Administratora fee or by wor providing h
xperimental tablished medi
od eriod from thOn completiotinuously ren
Insurer mean
eans the Perso
on contracts ary due to
of terrorism) ay Necessary e will pay Reges of thenses:
uding Boarding
hetist, Medicapecialist Feerough teleme
medicine Practrectly to the the hospital.
Anesthesia, Batre, SurgicaDrugs, Diagnoging modal
radiotheraprtificial Lim
ty. Terrorism as an act of te
r (TPA) meanswhatever namhealth service
treatment is ical practice in
e inception oon of the perioewed without
ns IFFCO-TOKI
on(s) named a
any Disease oany acciden
and he/she haHospitalizatioeasonable anhe followin
g and Nursing
al Practitionees (includin
edicine as petice Guidelinetreating docto
Blood, Oxygeal Applianceostic Materiaities, Dialyspy, Cost bs, Cost
shall also incerrorism.
s a Company rme called ans.
treatment inn India, is trea
of this Policy dod, diseases/tt any break.
O GENERAL IN
as Insured in t
WHATor nt as on nd ng
g
r, ng er e) or
en, es, ls,
sis, of of
1. An
2. Prea)
b)
c)
d)
clude any act
registered witd as may be
cluding drug atment experi
during which treatments sh
NSURANCE CO
the Schedule,
T IS NOT COVEny payment
Expenses e
e-Existing Dis Expenses r
existing Dcomplicatioexpiry of 4after the dwith us.
) In case of exclusion ssum insureIf the Incovered withe portab(Health Insperiod for the extent
) Coverage uof 48 monsubject to time of app
, which is ver
th the Authore mentioned
experimentaimental or un
specified disehall be covere
OMPANY LIM
including all I
ERED unless the
exceeding the
eases(Code- Erelated to theDisease (PEDons shall be
48 months of date of incepti
enhancementshall apply afred increase. nsured Persoithout any brebility norms surance) Regu
the same wof prior cover
under the poths for any pthe same be
plication and a
Page 8
rified or reco
rity, and engagin the health
l therapy whproven.
eases/treatmed provided th
MITED.
nsured Perso
admissible MDeductible.
Excl01) e treatment oD) and its
excluded uncontinuous coion of the firs
t of sum insuresh to the ex
on is contieak as definedof the extan
ulations, then would be redu
rage. olicy after there-existing diseing declaredaccepted by u
of 37
gnized by
ged by an h services
ich is not
ents are he Policy
ns
Medical
f a pre-direct
ntil the overage st policy
red the xtent of
nuously d under t IRDAI waiting
uced to
e expiry sease is
d at the us.
![Page 9: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/9.jpg)
Policy WoUIN: IFFH
transim
4. AYU
AYUCovand
5. Am
Rs.3whi
6. An
equthe defr
7. The
forcHosReamax(Tw
Note:
(a) Ho
antralimPethetowex
(b) Pre
exresalsafothePeanonadfor
Note
ording – Health HLIP21328V022
nsplantation ilarexpenses.
USH hospitalizUSH Hospitals verage also ind post hospita
bulance Cha3000/- (Threchever isless.
additional uivalent to 0.1
duration oraying of misc
e above statedclause 5 and spitalisation, ifasonable and ximum aggre
wenty percent)
ospitalization e organ dur
ansplant will amit of overall
rson or floatee Donor, nwards Pre penses.
e-Hospitalizatpenses for 60spectively as dso be reimoresaidHospite overall Sumrson. Any Nud Post Hospit
nly if Qualifiedvice of the attr the duration
2: The expen
Protector Plus 2021
of
zation expensor AYUSH Da
ncludes pre- lizationexpen
arges: As pee Thousand
Daily Allow10% of the Sof Hospitalizcellaneous exp
d relevant ex6), incurred f Medically NeCustomary C
egate sub- ) of the SumIn
expenses of pring the coualso bepayable
Sum Insureder Sum Insureno payment
and Post
ion and Post 0(Sixty) and 9defined unde
mbursed alotalization expe
m Insured limitursing expenstalization willd Nurse is emtending Medi
n specified
nses that are
Organsan
ses Incurred y Care Centrehospitalizatio
ses.
per actual d) per claim
wance amouum Insured fation towardpenses.
xpenses (excefor Domiciliaecessary and
Charges up tolimit of 20
nsured.
person donatiurse of orge subject to t
dof the Insureed of family. F
willbe madHospitalizatio
Hospitalizatio90(Ninety) dayr the Policy wng with thensessubject tt of the Insureses during P be considere
mployed on thcal Practitione
not covered
nd
in es. on
or m;
nt for ds
pt ry at a
0%
ng an he ed
For de on
on ys
will he to ed re ed he er
in
3. Firi.
ii.
iii.
4. Sp
a
b
c)
d
e
f) 2
rst Thirty Days. Expenses
illness witcommenceexcept claprovided t
. This excluthe InsuCoverage f
. The withinapplicablethe eventsubsequen
ecific Waiting) Expenses
following surgeries/tthe expirycoverage, of inceptioexclusion arising due
) In case of exclusion ssum insure
) If any of falls undepre-existintwo waitin
) The waitishall applpolicy or dspecific ex
) If the Incovered wunder thestipulated the same wprior cove
) List of spe
24 Months wai. Cataract
ii. Benign Proiii. Hysterecto
tocarcinomMyomecto
s Waiting Perrelated to th
thin 30 days ement date aims arising dthe same are csion shall no
ured Personfor more thann referred wa to the enha of granting
ntly.
g Period: (Codrelated to th
listedtreatments shy of 24 moas may be th
on of the firstshall not be ae to an accideenhancemenshall apply afed increase. the specified
r the waiting ng diseases, thng periods shang period foly even if codeclared and
xclusion. nsured Persowithout any
e applicable nby IRDAI, the
would be redurage. cific diseases/
aiting period
ostaticHypertomy (for othema), omy,Endomet
Page 9
riod(Code- Exche treatment from the firs
shall be exdue to an accovered.
ot, however, an has Conn twelve montaiting period inced sum inshigher sum
de- Excl02) he treatmentd conhall be exclud
onths of cone case after tt policy with Uapplicable for
ent. t of sum insuresh to the ex
d disease/properiod speci
hen the longeall apply. or listed conontracted aftaccepted wi
on is contibreak as
norms on poen waiting peuced to the ex
/procedures
rophy, er than due
triosis
of 37
cl03) of any
t policy xcluded ccident,
apply if tinuous ths. is made sured in insured
of the nditions, ed until tinuous he date Us. This r claims
ured the xtent of
ocedure fied for
er of the
nditions ter the thout a
nuously defined rtability riod for xtent of
![Page 10: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/10.jpg)
Policy WoUIN: IFFH
this pA. TsubsuchargList-Irespe
ording – Health HLIP21328V022
policy are placThe list of umed into roges or costs ofI, List-III anectively.
Protector Plus 2021
ced under Listexpenses thoom chargesf treatment and List-IV o
t-I of Annexurhat are to , or procedure placed undof Annexure
re-be
ure der e-A v
v
x
x
xx
5. Wa
occhoinsseide
6. Cirof as unino
7. CoExptrerecCatrehecocer
8. Coaid
9. Dereq
iv. Hernia,Hyv. Fissures &
pilonidalsvi. Sinusitis &vii. Stones in
viii. Gastric anix. Dilatation x. Joint Repla
caused byxi. Arthritis, G
SpinalDisoxii. Chronic Re
RenalFailuxiii. Any type o
includingbbenigngro
xiv. Varicose Vxv. Interverte
causedby
ar (whether currence or istilities, civi
surrections, mizure, captutainment of a
rcumcision, una disease noa result of acless forming
oculation.
osmetic or plapenses for co
eatment to construction fncer or as
eatment to ralth risk to nsidered a rtified by the
st of spectacds.
ental treatmequiring Hospit
drocele &/or Fistula insinus & relateddisor
the urinary ad DuodenalUandCurettage
acement (othan accident)
Gout, Rheumaorders enal failure orure. of Cysts/Nodubreast lumps aowth Veins / Varicosebral disc disea
an accident)
declared or nvasion, acts il war, reb
mutiny, militarure, arrest
all kinds
nless necessat otherwise e
ccidental bodig part of p
stic Surgery: Cosmetic or plchange appfollowing an
part of mremove a dir
the insuremedical necattending Me
cles and cont
nt or surgerytalization.
Page 10
anus, Piles,
ders nd billiarysystlcers e er than
atism and
r End Stage
ules/Polyps and any other
seUlcers ases (other th
not) and wof foreign en
bellion, revory or usurped , restraints
ry for the treexcluded or rly Injury, vacc
post-bite trea
Code- Excl08 astic surgery earance unleAccident, Bu
medically nerect and immd. For this
cessity, it medical Practitio
tact lens or
y of any kind,
of 37
tems
r
han
war like nemies,
olutions, power,
s and
eatment equired cination atment,
or any
ess for rn(s) or
ecessary mediate
to be must be
oner.
hearing
, unless
![Page 11: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/11.jpg)
Policy WoUIN: IFFH
ording – Health HLIP21328V022
Protector Plus 2021
10. Re
Exca)
11. Tre
abco
12. BreExpcoor cri
13. Tredeint
14. Inva)
b)
15. Ma
i.
ii.
16. Ste
E
est Cure, rehacl05 Expenses r
for enforcetreatment.
i. Custodnursinghelp wbathingby skilskilled
ii. Any sterminemotio
eatment for, use or annsequences t
each of law: Cpenses for trnsequent upoattempting t
minal intent
eatment of, fects or an
tentional self-
vestigation & Expenses refor diagnostAny diagnorelated or diagnosis an
aternity ExpeMedical trechildbirth (and caesarhospitalizatiexpenses toan accidentof pregnanc
erility and InfExpenses rela
bilitation and
related to anyed bed rest a. This also incl
dial care eithg facility for p
with activities og, dressing, mlled nurses opersons.
services for ally ill to add
onal and spirit
Alcoholism, ny addictivhereof. Code
Code- Excl10 reatment direon any Insuredto commit a
external connomalies, veInjury
Evaluation(Clated to any a
tics and evaluaostic expense
not incidentnd treatment.
nses (Code - Eeatment expincluding comrean sectionion) except ec
owards miscar) and lawful
cy during the p
ertility: (Codeted to sterilit
Page 11
d respite care
y admission pand not for reudes: er at home
personal care of daily living
moving aroundor assistant o
people whdress physicaltual needs.
drug or subve condition- Excl12
ectly arising fd Person combreach of la
ngenital Diseenereal Dise
Code- Excl04) admission primation purposees which aretal to the cu
Excl18): penses traceamplicated dens incurred ctopic pregnanrriage (unlessmedical term
policy period
e- Excl17) ty and infertili
of 37
e- Code-
rimarily eceiving
or in a such as such as
d either or non-
ho are , social,
bstance n and
from or mmitting aw with
ease or ase or
marily es. e not urrent
able to eliveries
during ncy;
s due to mination
ity. This
![Page 12: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/12.jpg)
Policy WoUIN: IFFH
ording – Health HLIP21328V022
Protector Plus 2021
i
i
iiiv
17. Nu
caucauanFo
a
18. An
19. Un
Expserantresigthe
20. Anincma
21. HaExpduhazlimmoracde
22. Expduha
includes: i. Any type
ii. Assisted artificial reproducZIFT, GIF
ii. Gestatiov. Reversal
uclear attackused by, resuse or eventy other sequer the purpose
a) Nuclear atof any nuor combuemission, escape of level of raIllness, inc
ny Medical Exp
nproven Treapenses relatervices and suy treatmen
eatments, prognificant medeir effectivene
ny expense cluding acuagnetic.
azardous or Adpenses relatee to particzardous or ad
mited to, ountaineeringcing or scubaep-sea diving
penses relatee to participzardous or ad
e of contracepReproductio
inseminatioctive techno
FT, ICSI nal Surrogacy of sterilizatio
k or weaponsulting from t contributingence to the loe of this exclusttack or weapclear weaponustion of nu
discharge, dfissile/ fusiondioactivity ca
capacitating d
pense on OPD
tments: Codeed to any uupplies for ort. Unprovenocedures or
dical documeess
on proceduupressure,
dventure spoed to any trecipation as dventure sporpara-jumping
g, rafting, ma diving, hand
ed to any trepation as a dventure spor
Page 12
ption, sterilizaon services inon and adlogies such
y on
ns, contributor from any
g concurrentlss, claim or esion: pons means tn or device ouclear fuel dispersal, relen material empable of causisablement or
DTreatment.
e- Excl16 unproven trear in connection treatment
supplies thentation to s
ure and treacupuncture
orts: Code- Excatment necesa professio
rts, including g, rock cl
motor racing,d gliding, sky
atment necesnon-professi
rts, including
of 37
tion ncluding dvanced as IVF,
ted to, y other y or in xpense.
the use r waste or the
ease or mitting a sing any r death.
atment, on with ts are at lack support
eatment and
cl09 ssitated
onal in but not imbing, horse diving,
ssitated onal in but not
![Page 13: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/13.jpg)
Policy WoUIN: IFFH
ording – Health HLIP21328V022
Protector Plus 2021
limmoracde
23. Exteqhosol
24. Allcosimaya
25. ObExobco1)
2)
3)
4)
26. Ch
Expsurof
27. Pre
28. Anari
mited to, ountaineeringcing or scubaep-sea diving
ternal/Durabluipment of ame subsequelutions requir
non-medicamfort and co
milar incidentaah/ barber, co
besity/ Weighxpenses relatebesity that onditions: ) Surgery to
of the Doct) The surger
supported ) The memb
older and ) Body Mass
a) greatb) great
conjuseverof leloss:
i.
ii. iii. iv.
ange-of-Gendpenses relatergical managethe body to th
e-natal and po
ny consequensing out of or
para-jumpingg, rafting, ma diving, hand
e many kind wh
ently except ted for the tre
al expenses onvenience iteal expenses oosmetics and
ht Control: Coded to the sudoes not fu
be conductetor ry/Procedure cby clinical pro
ber has to be
s Index (BMI); ter than or eqter than orunction with re co-morbidiess invasive
Obesity-relacardiomyopCoronary hSevere SleeUncontrolle
der treatmented to any tement, to chhose of the op
ost-natal expe
tial or indirer related to th
Page 13
g, rock clmotor racing,d gliding, sky
medical/non-mich can be u
the medicinesatment.
including pems or servic
or servicing innapkins.
de- Excl06 urgical treatmulfil all the
d is upon the
conducted shotocols e 18 years of
ual to 40 or
r equal to any of the foities followingmethods of
ated pathy eart disease
ep Apnea ed Type2 Diab
ts: Code- Excltreatment, inhange charactpposite sex
enses.
ect loss or exe Hospitalizat
of 37
imbing, horse diving,
medical used at s or the
personal ces and ncluding
ment of below
e advice
ould be
age or
35 in ollowing g failure
weight
betes
l07 ncluding teristics
xpenses tion.
![Page 14: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/14.jpg)
Policy WoUIN: IFFH
ording – Health HLIP21328V022
Protector Plus 2021
29. AnMeliceme
30. Anthe
31. Anfor
(i)(ii(ii(iv
(v(v(v(v(ix
(x
(x(x(x
32. ExcExhootdispocaacstacla(Ndytimwefoad
33. ReEc
ny treatment edical Practitiense or regisedical Council
ny kind of Servehospital.
ny expense ur
Treatment) Asthma ) Bronchitis i) Chronic Ne
v) Diarrhea including G
v) Diabetes Mvi) Epilepsy vii) Hypertensiviii) Influenza, Cx) Pyrexia of
days ) Tonsillitis
infection ini) Arthritis, Gii) Dental Treaiii) Critical illne
cluded Providxpenses incurospital or by her provider sclosed in O
olicyholders ase of life threcident, expabilization areaim. ote: The list
ynamic and hme. Hence weebsite or contr updated list
dmission.)
efractive ErrorExpenses recorrection of
charges or fioner acting ostration gran.
vice charges,
under Domici
t of following
ephritis and Nand all ty
Gastro-enteritMellitus
ion Cough and Counknown ori
and Upper ncluding Laryn
Gout and Rheuatment or Suress
ders: Code- Exrred towardsany Medical specifically e
Our website are not admiseatening situaenses up e payable bu
of such exchence may che suggest youtact our call cof such exclu
r:Code- Excl15lated to teye sight du
Page 14
fees charged outside the sc
nted to him
Surcharges,le
iliary Hospita
Diseases:
ephritic Syndpe of Dyseis
old igin for less t
Respiratoryngitis and Phaumatism rgery
xcl11 s treatment
Practitioner excluded by
/ notified ssible. Howetions or followto the sta
ut not the co
cluded providhange from t to please ch
centre/nearesuded hospitals
5: he treatmee to refractiv
of 37
by any cope of by any
evied by
alization
rome enteries
than 15
y Tract ryngitis
in any or any
Us and to the
ever, in wing an age of omplete
der(s) is time to eck our
st office s before
nt for ve error
![Page 15: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/15.jpg)
Policy WoUIN: IFFH
SECTIONB. OPTIO WAIVER The dedudeductibcondition a) The c
(Fifty b) The c
sched
ording – Health HLIP21328V022
II ONAL COVERA
OF DEDUCTIBuctible is waile at inceptio
ns:
cover is applicFive) years of
cover shall bedule.
Protector Plus 2021
AGE
BLE: ved in case o
on in consider
able only for if age and thei
subject to a
of loss or charation of addi
insured persoir dependents
maximum pe
le
34. AnEY
35. CytMaExtTh
36. IntinjChDoFoInt
37. Trecupriattaddo
38. Diepulimsubpracar
ange of emptional premiu
ons who are ins
eriod of Waive
ess than 7.5 d
ny other type oE which can b
totron Theraagnetic Resonternal Counteerapy, Hyperb
terferon injections / Intremotherapy
octor Supervisr example: travenous Me
eatments recre clinics, spivate beds tached to smission is amestic reason
etary supplemrchased witho
mited to Vibstances unactitioner as pre procedure.
loyment, if thum. The provi
n service (not
er of Deducti
dioptres
of Laser treatbe performed
apy, Rotationnance (RFQMer Pulsation) beric Oxygen T
ections /Infra-articularinj
where no sion is require
Intravenous thotraxamate
ceived in hepas or similaregistered assuch establisarranged whns. Code- Excl
ments and subout prescriptitamins, minless prescrib
part of hospita Code- Excl14
he policy is eiso shall be su
for self emplo
ble (WOD) pe
Page 15
ments / surgeon OPD basis
nal Field QuMR), EECP (En
Therapy, ChTherapy
fliximab anections. Intra
monitoring d in Hospital
Cyclophosphe ,etc.
alth hydros, r establishmes a nursing shments or holly or parl13
bstances thaton, including
nerals and bed by a alization claim4
endorsed to wubject to the
oyed) and are
eriod mention
of 37
eries for
uantum nhanced helation
d like avenous
under Setting. hamide,
nature ents or
home where
rtly for
can be but not organic medical
m or day
waive the following
below 55
ned in the
![Page 16: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/16.jpg)
Policy WoUIN: IFFH
c) In cadurin
d) Lette
relievresigni. Ad
au ii. In
daun
e) The w f) The c
i. exii. Re
RequEmplofailurno fu
g) WOD h) All ot SECTION 1. Basis I. TOP-U
a) Baduth
b) Ea
spFivInw
c) In d) Al
us
ording – Health HLIP21328V022
se of multiplg all such bre
r of intent forving from thnation/termindvance Noticeuthority on ca
case notice iate of notice,nderwriter on
waiver shall be
cover will ceasxpiry of Waiveequest for ter
est for termioyee Health Be to give suchrther waiver b
D cover for dep
her terms and
III
of Payment: UP COVER: asis of claim puring each pohe Schedule of
ach event (hospecified Deduve) days, as dsured Personhole family
no case we sh
l the Bills, Recs.
Protector Plus 2021
e job changeaks shall be su
r utilization ohe existing jonation/ relievie of 15 days f
ase to case bas
is given after , subject to c
n case to case
e effective fro
se on the occuer of Deductibrmination of c
nation of WOBenefit with th notice to thebe allowed du
pendents will
d conditions w
payment shallicy year payaf the Policy
spitalization), ctible mentiodefined unde has a separa
hall be liable t
ceipts, Report
es during the ubject to max
f WOD periodob. Intent leng letter or anfor Letter of ise, provided t
date of relievconfirmation basis.
om the next da
urrence of anyble period cover for WOD
OD cover shothe new emple company, th
uring the polic
simultaneous
will be applica
ll be Medical able under ’W
if more than ned in the Sc
er Any One Illte Sum Insure
to pay any sum
ts and Dischar
same policy ximum of WOD
d should be getter should ny other similintent to covethe notice is g
ving within a of loss of jo
ay of date of r
y of the follow
D by the insure
uld be given oyer or a newhe entire WOcy period.
sly cease alon
ble as per the
expenses incWhat is covered
one, during thhedule of theness, this wil
ed as well as f
m in excess of
rge summary e
period, aggrD period men
iven at least be supporte
ar document.er may be wa
given on or be
reasonable tib and of dat
relieving from
wing events, w
ed.
by the insurw Health InsuD period shal
g with the cov
e coverage.
curred for ead’ and which e
he Policy perie Policy excepll be applicabfor Policy bas
f the Sum Insu
etc in respect
egate numbetioned in the
15 (Fifteen) ded with rele. aived on merifore the date
me, WOD mate of relieving
m the existing j
whichever sha
ed as soon arance policy cl be deemed
ver of propose
ch event (hoexceed the De
od shall be sept in case of reble for Individed on single f
ured during th
of the claim s
Page 16
er of days of schedule.
days before thevant docum
its by the undof relieving.
ay be grantedg, at the disc
job.
ll occur first:
s the cover ucommences. to have exhau
er.
spitalization) eductible men
eparately subjelapse within
dual Policy whfloater Sum In
he period of th
should be sub
of 37
coverage
he date of ments like
derwriting
from the cretion of
under the In case of usted and
incepting ntioned in
ect to the 45 (Forty
here each nsured for
he Policy
bmitted to
![Page 17: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/17.jpg)
S
Policy WoUIN: IFFH
II. SUa) Ba
inm
b) De
unapIn
c) In d) Al
agal
2. Optio
We wproduof de
In sucof devirtueto any
SECTION IV: ADD
1. MODERN
The folloDomiciliapolicy pe
A. B. C. D. E. F. G. H. I. J. K.
ording – Health HLIP21328V022
UPER TOP-UP asis of claim cepting durin
mentioned in th
eductible shalnder ‘What ispplicable on psured person
no case we sh
l the Bills, Reggregate incluong with the
on to buy Stanwill offer the uct) without dductible opteo the Top U
years of ao Continuou
ch case you wductible opte
e of continuityy other health
DITIONAL BENEF
N TREATMENTwing procedu
ary Hospitalizaeriod:
Uterine ArteBalloon SinuDeep Brain sOral chemotImmunotherIntra vitreal Robotic surgStereotactic Bronchial ThVaporisationIONM - (Intra
Protector Plus 2021
COVER: payment sh
ng each policyhe Schedule o
ll be separates covered’ foper year basis in case Sing
hall be liable t
ceipts, Reportuding claims fclaim to US w
ndard Health Insured with
deductible witd under this P
Up/ Super Topge and usly renewed
will be offereded under this y of coverage h insurance Po
FITS
T METHODS Aures will be coationor as par
ery Embolizatiplasty
stimulation therapy rapy- Monocloinjections
geries radio surgerie
hermoplasty n of the prostra Operative N
all be aggregy year payablof the Policy
ely applicable r each Insureis on aggregale floater Sum
to pay any sum
ts and Dischafalling within
whenever YOU
Policy with coh the option th continuity oPolicy providep up health p
without brea
d continuity oPolicy. In all oin the event o
olicy with Us
AND ADVANCovered (wherert of day care
on and HIFU (
onal Antibody
es
rate (Green laNeuro Monito
gate of Mede under ‘Wha
on per year bed person in ate of Medica
m Insured is op
m in excess of
arge summarythe deductib
U are making a
ontinuity of bto buy the sof coverage in
ed product has be
k for a period
f coverage in other cases, nof discontinua
CEMENT IN TEever medicallytreatment in
(High intensity
y to be given a
ser treatmentring)
dical expensesat is covered’
basis on aggrcase of Indiv
al expenses ppted for the w
f the Sum Insu
y etc in respecble should bea claim under
benefits: standard Healn terms of wa
een purchase
of at least 4(
terms of waino benefits shation of this P
ECHNOLOGIESy indicated) eia hospital upt
y focused ultr
as injection
t or holmium
s incurred fo’ and which e
egate of Medvidual Policy payable in ‘Wwhole Family.
ured during th
ct of all the c carefully preSuper Top Up
lth policy (Indiver of waitin
ed for the firs
Four) years.
ver of waitinghall accrue to Policy at any p
S: ther as in patto 50% of Sum
rasound)
laser treatme
Page 17
or all hospitaexceeds the D
dical expensesor Deductible
What is covere
he period ofth
laims adding eserved and sp Cover.
dividual/floatg periods to t
st time before
g periods to tany Insured P
point of time o
ient or as parm Insured, dur
ent)
of 37
alization/s Deductible
s incurred e shall be ed’ for all
he Policy
up to the submitted
er Health the extent
e 50(Fifty)
he extent Person by or shifting
t of ring the
![Page 18: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/18.jpg)
Policy WoUIN: IFFH
L.
2. DAY CAR
the policy(Note: Thto please
3. EMERGE 1. This
assipersresireimenteto ayou
a) Med
withMed
b) Eme
medwhewiththe
c) Med
phypolicarrcon14(fmaymay
d) Tran
ecohosreqrepfamdoc
e) Care
una
ording – Health HLIP21328V022
Stem cell tconditions to
RE TREATMENy document, whe list of suche check our we
NCY ASSISTA
s policy provistance and emson(s) is/are dential addre
mbursement ertained unle
ascertain if thu in respect of
dical consultah multilingualdical personn
ergency meddical facility isere insured ph medical suprequired care
dical repatriatysician, repatricy schedule rier, provideddition. If thefourteen) dayy be arrangedy also be prov
nsportation tonomy, roundpitalisation, puired to be horesentative w
mily member cumentary req
e and/or traattended as a
Protector Plus 2021
herapy: Hemo be covered.
NT:) Day carewill be payabl treatments isebsite/ contac
NCE SERVICES
vides, at no amergency pertraveling wit
ess as mentioof expenses ss agreed by e reported sit
f the insured p
ation, evaluatil medical stafel are availab
ical evacuatios not availabl
person(s) is/arpervision, by e.
tion: When mriation under at such time the repatriate time perioys from the dd by us/our rvided, if neces
o join patientd-trip, commoprovided insuospitalized fo
will also provor the friend
quirements fo
nsportation o result of ins
matopoietic st
e medical treale even if the s dynamic andct our nearest
S
additional corsonal servicehin India 150oned in the p
incurred fous or our authtuation was aperson.
ion and referrff on duty 24(le for medica
on: If insuredle (as determre located, wan appropriat
medically necemedical supe as insured ption can be ac
od to receiveate of discharepresentativessary.
t: We will proon carrier trured person r more than side assistanc
d. It is the reor the travel an
of minor chilsured person
tem cells fo
atments listedduration of hod hence may t office for up
ost, whatsoeves as described0(one hundrepolicy schedu
or services ahorized repren emergency
ral: Insured p(twenty four) l consultation
d person(s) hained by phys
we/our represte means to t
essary, as detervision to insu
person(s) is/ ccomplished w
e medical clerge from the e, such as an
ovide a designansportation (s) has/ haveseven consecue with regardsponsibility ond accommod
dren: When (s) medical s
r bone marr
d in Annexureospitalization change from dated list of s
ver, a host od below. The
ed and fifty) kule for less thrranged by sentative. Whor not, the b
erson(s) has/hhours a day,
n, evaluation a
as/have a meician and the entative will the nearest m
ermined by uured person(sare medicallywithout compearance to thospital, an a air ambulan
nated family to the majo
e travelled alutive days. Atds to arrange
of the family dation costs.
insured persituation, we/
row transplan
e – “List of Dais less than 2time to time.
such treatmen
f value addeservices are p
kilometers orhan 90(ninetyinsured/insur
herever, it is nbenefit of dou
have access t throughout t
and referrals t
edical emergeconsultant parrange an e
medical facilit
s / our physics)/your addrey cleared for promising insuravel by comappropriate mce. Medical o
member or por airport clolone and insut insured persements for tmember or t
son(s)’s mino/our represen
Page 18
nt for haem
ay Care Proce4 (Twenty-fouHence we su
nts.)
ed emergencyprovided wher more away y) days. No cred person(snot reasonablybt shall be av
o an operatiothe policy peto qualified ph
ency and an physician) proemergency evty capable of
cian and the css as mentiontravel via co
ured person(smmon carriermode of transor non-medic
personal frienosest to the ured person(son (s) requeshe accommothe friend to
r child(ren) itative will pr
of 37
atological
edures” of ur) hours. ggest you
y medical en insured
from the claims for ) will be y possible
vailable to
ons center riod year. hysicians.
adequate ximate to
vacuation, providing
consulting ned in the ommercial s) medical r exceeds sportation al escorts
d with an place of
s) is/ are st, we/our odation of o meet all
s/are left ovide the
![Page 19: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/19.jpg)
Policy WoUIN: IFFH
chilthe
f) Eme
to/f g) Ret
andthe dispcleaconrece
h) Eme
eme
Con
1. 2.
Exclusion
Eme
We/
Spe
ording – Health HLIP21328V022
d with transpsame city as
ergency messfrom home.
urn of mortad pay for the r
transport inposition facilitarances, provtainer, as weeiving funeral
ergency cashergency cash.
nditions:
The Emergen
The provisionInsurance doe
ns: The emergbelo
ergency assista) Travel ub) Servicesc) Injuries d) Commise) Attemptf) Incidentg) Transfer
capabilit
/our represena) Withoutb) With mi
treated returnin
c) With a pd) With me
ecific exclusiona) Trips exc
assistan
Protector Plus 2021
portation to hinsured perso
sage transmiss
l remains: In return of morncluding locaty to prepare
viding death ell as transpo home.
h coordinatio Source of fun
cy Assistance
n of the Emeres not necessa
gency assistanow:
tance service ndertaken sp
s sought outsidresulting fromsion of unlawt at suicide /sets involving thr of the insurties and provi
ntative will not medical authld lesions, simby local doct
ng home pregnancy terental or nervo
ns: ceeding 90(nice service pro
ome or to thon (s) address.
sion: we/our
the event of rtal remains. wating a local,e the body fo
certificates, porting the rem
on: We/our nds is solely yo
Services-Med
rgency Medicaarily mean tha
nce services a
will not be precifically for sde India.
m participationwful act(s) with
elf inflicted ine use of drugs
red person froding a similar
ot evacuate orhorization mple injuries stors and do
m of over six6ous disorders u
nety) days froovider.
e home of a . If appropriat
representativ
death of insuwe/our repre, emergency r transport, cpurchasing thmains, includi
representativour responsib
dical and Pers
al or Personaat the hospita
are available
ovided in the securing medi
n in acts of wah malafide intjuries s, unless presom one med
r level of care
r repatriate an
such as sprainnot prevent
6) months unless hospita
om declared r
person designte, an attenda
ve will receive
ured person, esentative will
assistance fcompleting allhe minimally ing retrieval f
ve will assistbility
onal are not a
l Assistance Salization claim
subject to ce
following instcal treatment
ar or insurrectent.
cribed by a phical facility to
n insured pers
s, simple fracinsured perso
alized.
residence with
nated by insuant will escort
e and transmi
we/our reprel render any afuneral homel documentat
necessary cafrom site of
t in coordina
available on re
Services to Yom is admissible
rtain limited
tances: t
tion
hysician o another me
son in the follo
tures, or mildon (s) from c
hout prior not
Page 19
red person (sthe child.
t emergency
esentative wiassistance nece, mortuary tion, obtainingasket or air death and d
ating the tra
eimbursemen
ou during the e under the Po
exclusions as
edical facility
owing instanc
d sickness whicontinuing yo
tification to e
of 37
s) living in
messages
ll arrange cessary in or direct g all legal transport elivery to
ansfer of
nt basis.
Period of olicy.
set forth
of similar
ces:
ch can be ur trip or
mergency
![Page 20: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/20.jpg)
Policy WoUIN: IFFH
CLAIM PRO
a.
b.
c.
d.
e.
ording – Health HLIP21328V022
b) Students
Legal actionwithin one ( While assistto the locatservices or including byconditions, service is limAll consultiWe/our reprendering se
OCEDURE AND R
Notificationas soon asnotification
A written stextreme cawhich You /any one of Y
i. Hospitdate o
ii. Post Hfrom twithin
If IFFCO-TOprovided arequiremen
In case of cDeductible submitted immediately
For cashlesleast 48(FoParty Admin
Necessary informationrequired by
Protector Plus 2021
s at home/sch
ns arising he(1) year from
tance servicestion/jurisdictiofor delays in ty way of exam
availability omited or prohng physicians
presentative aervices to you
REQUIREMENTS:
n of Claim: An possible, bu of claim is ma
tatement of tses of hardsh/ Insured PersYou to give no
talization andof discharge frHospitalizationthe hospital. H 90(ninety) da
KIO seeks anylong with all
nt from IFFCO-
covered Hospbut were subalong with dy on knowing
s Hospitalizatrty eight) hounistrator/Com
documents: n and evidency Us in the m
hool campus a
reunder shallthe date of ev
s are availableon where an ethe delivery o
mple and not bof hyperbaric ibited by locas and attorneare not responu.
event which ut not later tandatory, eve
the claim willhip where it ison or his/heotice or file cla
Pre Hospitalom the Hospi
n claim shoulHospitalizatioays from the d
y further clarifl supporting -TOKIO.
pitalization, thbsequently fodetails of inti
that the Ded
tion, the insuurs before a
mpany should
The Insured es from the a
manner and fo
address (as th
l be barred uvent giving ris
e all over Indiaevent occurs. of services cauby limitation, chambers, c
l law or edict.eys are indepnsible or liable
might becomethan 7(Seven
en for claims f
l be required s proved to Or personal repaim within the
lization claim tal d be filed witn and Post H
date of discha
fication or docdocuments w
he costs of wund likely to mation madeuctible is likel
ured must conplanned Hospbe contacted
Person musattending Medorm as We m
hey are not co
unless writtense to such lega
a, transportatWe shall not
used by strikeweather cond
communicatio.
pendent contre for any malp
e a claim unden) days from falling within t
and the claimOur satisfactiopresentative we prescribed t
should be fi
thin 90(ninetospitalization
arge at the opt
cuments in suwithin 15(Fift
which were noexceed the D
e to the othey to be excee
ntact the Thirpitalization. Inwithin 24(twe
st give all odical Practitioay prescribe.
nsidered to b
n notice theral action.
tion response be responsib
es or conditioditions, availa
ons systems o
ractors and npractice comm
er the Policy mthe date of
the deductible
m must be fion that undewere placed, time limit.
led within 30
y) days from n claims may tion of the ins
upport of the teen) days fr
ot initially estDeductible, theer insurer/rei
eded
rd Party Admn an emergenenty four) hou
original bills, ner/Hospital/ In such claim
Page 20
e in travel sta
reof is receive
time is directle for failing tns beyond ou
ability of airpoor where ren
not under oumitted by pro
must be reporf Hospitalizate.
led as under r the circumsit was not po
0(thirty) days
the date of be submittedsured.
claim, the samrom the date
timated to exe intimation simbursement
ministrator/Concy situation urs of Hospita
receipts, ce/Chemist/Laboms, Our repre
of 37
atus).
ed by us,
tly related to provide ur control, orts, flight ndering of
r control. fessionals
rted to Us ion. Such
except in stances in ossible for
from the
discharge d together
me should e of such
xceed the should be provider
mpany at the Third
alization.
ertificates, oratory as esentative
![Page 21: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/21.jpg)
Policy WoUIN: IFFH
Not
ording – Health HLIP21328V022
shall be allorequiring Ho
The claim syour claim be submitte
i. Claim signed
ii. Copy oiii. Dischaiv. Hospitv. Hospitvi. Investivii. Investiviii. Pharmix. Bills inx. All prexi. All the
claimsclaim t
xii. Copy/Cxiii. Regist
medicaRegist
xiv. KYC (kxv. Any ot
te: 1) When o
other inorganiza
2) If originInsured from thsubmitte
(a) NotificatioUs as soon asof the claim wdays from thcases of hardInsured Persoto give noticeFor all claims
i. Claim signed
ii. Copy o
Protector Plus 2021
owed to carryospitalization
should be fileas required b
ed along with
Form duly fild by the Hospiof Photo ID / Parge Summarytal Bill (Originatal Receipt (Origation Reporigation Bills (O
macy Bills (Origcluding the re
evious treatmee above in res falling withinto US whenevCopies of prevration Certifical establishmration with CMnow your custher documen
original bills, rnsurer or to tation/provideal bills, receipPerson requie Insured Peed by the Insu
on of Claim: As possible, butwill be requirehe date of disdship where iton or his/her e or file claim
(cashless/reimForm duly fille
d by the Hospiof Photo ID / P
y out examinaif and when W
d along with by the compan
the claim.
lled in and sigtal authorities
Proof y (Photo Copyal Only) riginal Only) ts with suppo
Original Only) ginal Only)witelevant stickeent papers relspect of the pn the deductibver YOU are mvious insuranccate of the Homents. PleaseMO etc. are ntomer) form,
nts in support
receipts, prescthe reimburser have to be spts, prescriptires same for
erson We wilured Person.
An event whict not later thaed and a Claimscharge from t is proved topersonal reprwithin the prembursement)ed in and signtal authorities
Proof
ation and obtWe may reaso
duly filled in ny.Following
gned – As pes under seal)
in case of cla
orting prescrip
h supporting rs for Implantlated to Ailmeprevious hospble should be
making a claimce policies if nospital under e note regisot sufficient tif claim is moof the claim (
criptions, repement providsubmitted. tions, reports r claiming frol provide att
ch might becoan 7 days fromm Form will be
the Hospital Our satisfact
resentative weescribed time) the followingned – As per ps under seal)
tain informationably require
claim form ais an indicativ
er prescribed
im for Pre/Po
ptions
prescriptions ts ent. pitalizations adcarefully pres under Super
not provided aClinical Estab
stration undeo meet the re
ore than 1(OnePl Specify)
ports and otheer, verified p
and other dom other orgaested copies
ome a claim um the date of e completed a
or completiotion that undeere placed, it limit.
g documents arescribed form
on on any alle.
and all other ve list of “Nec
format (Form
ost Hospitaliza
dding up to tserved and suTop Up Cover
already blishment Act er Shops anequirements oe) lakh
er documentsphotocopies a
ocuments areanization/prov
of the bills
nder the PolicHospitalizatio
and the claim on of treatmeer the circumwas not poss
are required: mat (Form B t
Page 21
leged Injury o
documents scessary docum
m B to be fille
ation only)
he aggregate bmitted alongr.
or similar stand Establishmof policy.
s are submittattested by su
e submitted tvider, then oand other do
cy must be reon. A written smust be filed
ent, except instances in wh
sible for any o
to be filled in
of 37
or Disease
upporting ments” to
ed in and
including g with the
ate act for ment Act,
ed to the uch other
to Us and n request ocuments
eported to statement within 30
n extreme hich You / one of You
and
![Page 22: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/22.jpg)
Policy WoUIN: IFFH
General C
1. Themis*Mpround
ording – Health HLIP21328V022
iii. Dischaiv. Hospitv. Hospit
vi. Investivii. Investi
viii. Pharmix. Bills inx. All pre
more txi. Copy/C
xii. RegistmedicaRegist
xiii. KYC (kxiv. Any ot
Our represenInjury or Dise
(b) Claim Setti. We s
of lasii. ln th
policclaim
iii. Howshalldaysrejecwith
iv. ln capolicdocu**"Bthe f
Note : provisi
Conditions
Disclosure ofe Policy shallsrepresentatioaterial facts f
oposal form aderwriting the
Protector Plus 2021
arge Summarytal Bill (Originatal Receipt (Origation Reporigation Bills (O
macy Bills (Origcluding the re
evious treatmethan 4 years rCopies of prevration Certifical establishmeration with CMnow your custher documen
ntative shall bease requiring
tlement (provshall settle orst necessary d
he case of delcyholder fromm at a rate 2%wever, where t
initiate and from the dat
ct the claim in 45 days fro
ase of delay becyholder at a ument to the dBank rate" shafinancial year This Clause s
ions of Protec
f Information l be void anon, mis-descrifor the purpond other con
e risk.
y (Photo Copyal Only) riginal Only) ts with suppo
Original Only) ginal Only)witelevant stickeent papers relrecord if requivious insuranccate of the Hoents. Please nMO etc. are ntomer) form,
nt if insured w
be allowed to c Hospitalizatio
vision for Pen reject a claim
document. ay in the pay
m the date of % above the ba
the circumstacomplete sucte of receipt
om the date ofeyond stipularate 2% abov
date of paymeall mean the rain which claimhall always coction of Policy
nd all premiu
ption or non-ose of this ponected docum
in case of cla
orting prescrip
h supporting rs for Implantlated to Ailmeired) ce policies if r
ospital under Cnote registratiot sufficient tif claim is mo
wants to furnis
carry out examon if and whe
nal Interest) m, as the case
ment of a clareceipt of last
ank rate** ances of a clach investigatioof last necess
f receipt of lasted 45 days, tve the bank rent of claim. ate fixed by th
m has fallen dorrespond wityholder's lnter
um paid ther-disclosure of olicy shall mements to enab
im for Pre/Po
ptions prescriptions ts ent of last 4 ye
required (in caClinical Establion under Shoo meet the re
ore than 1(Onesh in support
mination and n We may rea
e may be, with
im, We shall t necessary d
aim warrant aon at the earsary documen
st necessary dthe Company rate** from th
he Reserve Baue) h the amendm
rests Regulatio
reon shall beany material f
ean all relevanble it to take
ost Hospitaliza
ears. (In some
ase not providishment Act ops and Establ
equirements oe) lakh of the claim (
obtain informasonably requ
hin 30 days fr
be liable to pocument to t
an investigatiorliest, in any nt- ln such ca
document. shall be liable
he date of re
ank of India (R
ment(s), if anyons, 2017.
e forfeited tofact* by you/nt informatioinformed dec
Page 22
ation only)
e cases, we ma
ded earlier) or similar stateishment Act,
of policy.
Pl Specify)
mation on anyuire at Our cos
rom the date
pay interest tothe date of pa
on in Our opcase not late
ases, We shall
e to pay intereceipt of last
RBl) at the beg
y, to the relev
o us, in the policyholder.
on sought by cision in the c
of 37
ay ask for
e act for
alleged st.
of receipt
o You/the ayment of
inion, We r than 30 l settle or
est to the necessary
ginning of
vant
event of
Us in the context of
![Page 23: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/23.jpg)
Policy WoUIN: IFFH
(Notaksurf
2. ConThepay
3. Rec
TheUs oWe time
4. Com
Anyrepa va
5. Mu
i.
ii.
iii.
iv.
6. Frau
lf deinunAnshjo
ording – Health HLIP21328V022
ote: We, at oing any otherface during th
ndition Precede terms and coyment for claim
cords to be Me Insured Persor Our represmay require
e limit specifie
mplete Dischay payment toresentative oralid discharge
ltiple Policiesln case of muindemnify treclaim in termshall be obligterms of the cYou/lnsured pfor the amouThen the inspolicy. lf the amounthave the rightWhere You/Iindemnity bawith the term
ud any claim m
eclaration is msured person
nder this policny amount alhall be repaidointly and seve
For the purpoYou/the insurof the insureda) the suggesbelieve to be
Protector Plus 2021
ur discretion, measures in
he course of th
dent to Admisonditions of thm(s) arising un
aintained son shall keepsentatives to ifor settlemened in the Polic
arge o You/the por assignee or ttowards paym
s ltiple policies
eatment costsms of any of hged to settle tchosen policyperson havingnts disallowedurer shall ind
t to be claimet to choose innsured persosis, You/the i
ms and conditi
ade by the inmade or usedn or anyone acy and the preready paid ag
d by all recipierally liable foose of this clared person ord person, withstion, as a factrue;
, might choossuch an evenhe policy cont
ssion of Liabilhe policy mustnder the polic
p an accurate inspect such rnt of any claimcy.
olicyholder/into the Hospitament of claim
taken by Yous, the insured his/her policiethe claim as .
g multiple pold under any odependently s
ed exceeds thnsurer from won has policiensured persoons of the cho
nsured persod in support thcting on his/h
emium paid shgainst claims ient(s)/policyh
or such repaymause, the exprr by your/his h intent to decct of that whic
se to continut of non-declatract.)
lity t be fulfilled b
cy.
record contarecords. You/
m under the P
sured personal, as the case by Us to the
u/ insured perperson shall
es. ln all such long as the c
icies shall alsoother policy / settle the cla
he sum insurehom he/she wes from morn shall only bosen policy.
n, is in any rhereof, or if aher behalf to hall be forfeitemade under
holder(s), whment to Us. ression "fraudagent or the ceive Us or toch is not true
e the policy baration/ mis-r
by You /the in
ining all relevInsured Pers
olicy, within r
n or your/hise may be, for aextent of that
rson during a phave the righcases the ins
laim is within
o have the rigpolicies even
aim subject to
ed under a sinwants to claime than one i
be indemnified
respect fraudany fraudulenobtain any b
ed. this policy buo has made
d" means any hospital/doct
o induce Us toe and which Y
by imposing arepresentatio
sured person
vant medical ron shall furnireasonable tim
s/ her nominany benefit unt amount for t
period from oht to require asurer chosen n the limits of
ght to prefer cif the sum ins
o the terms
ngle policy, thm the balance insurer to cod the treatme
ulent, or if ant means or denefit under
ut which are that particula
of the followtor/any other issue an insu
You/the insure
Page 23
a waiting pern of material
for Us to mak
records and ssh such inform
me limit and w
nees or his/ nder the policthe particular
one or more ina settlement oby the insuref and accordi
claims under tsured is not eand condition
he insured peamount.
over the sament costs in ac
ny false stateevices are usthis policy, al
found frauduar claim, who
wing acts comparty acting rance policy:
ed person do/
of 37
riod or by facts that
ke any
hall allow mation as within the
her legal cy shall be r claim.
nsurers to of his/her ed person ng to the
this policy xhausted. ns of this
rson shall
e risk on ccordance
ement, or ed by the ll benefits
ulent later o shall be
mitted by on behalf
/does not
![Page 24: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/24.jpg)
Policy WoUIN: IFFH
7. Can
a)
b)
8. MigYouprorenIf suheain wFor
https://w
9. PorYouinsubut If suheaaccr
ording – Health HLIP21328V022
b) the active c) any other ad) any such a
We shall not insured persoand there wsuppression o
ncellation You/the PoWe shall redetailed bel
Notwithstanrespect of Cbeen availe
We may canfacts, fraudpremium ofraud.
gration u/the Insuredducts/plans oewal date as puch person is
alth insurancewaiting period
Detailed Guid
www.irdai.gov
tability u/the Insured urer to port th
not earlier thuch person is
alth insurancerued continuit
Protector Plus 2021
concealment act fitted to dect or omission
repudiate thon / beneficia
was no delibeof material fac
licy holder maefund premiulow.
nding anythinCancellation wd by any Insu
ncel the Polic by the Insuren cancellatio
d Person wiloffered by Usper IRDAI guids presently co product/plans as per IRDA
delines on mig
v.in/ADMINCM
Person will he entire polihan 60 days frs presently coe plan with anty benefits in
Period o13 6
6 to
of a fact by theceive; and n as the law sp
he claim and /ary can prove erate intentioct are within t
ay cancel this um on short t
ng contained hwhere, any clared person un
cy at any timeed Person, byn on ground
ll have the s by applying delines on Migovered and hn offered by UI guidelines ogration, kindly
MS/cms/what
have the optcy along withom the policyovered and hn Indian Genewaiting perio
of cover upto month months months 12 months
he insured pe
pecially decla
/ or forfeit ththat the miss
on to supprethe knowledg
Policy by giviterm rates fo
herein or othaim has been nder the Policy
e on grounds oy giving 15 das of mis-repr
option to mfor migration
gration. as been cont
Us, the Insuren migration. y refer the link
sNew_Layout
tion to port t all the memb
y renewal dateas been cont
eral/Health inods as per IRDA
o Refun
rson having kn
res to be frau
he policy benestatement waess the fact e of the insur
ing 15 days’ wor the unexpi
erwise, no readmitted or
y.
of mis-represays’ written nresentation, n
migrate the n of the polic
tinuously coveed Person will
k
t.aspx?page=P
the Policy to bers of the fae as per IRDAItinuously covensurer, the prAI guidelines
nd of Annual PRate (%) 75.00% 50.00% 25.00% 0.00%
nowledge or b
dulent
efits on the gas true to the
or that sucher.
written noticeired Policy Pe
efunds of premhas been lod
entation, nonotice. There wnon-disclosur
Policy to otcy atleast 30
ered without get the accru
PageNo3987&
other insurermily, if any, aI guidelines reered without roposed insuron portability
Premium
Page 24
belief of the f
ground of Frabest of his k
h misstateme
e, and in such eriod as per
mium shall beged or any be
n-disclosure ofwould be no e of materia
ther health days before t
any lapses uued continuity
&flag=1
rs by applyinat least 45 dayelated to porta
any lapses ured person wiy.
of 37
act;
aud, if the nowledge ent of or
an event, the rates
e made in enefit has
f material refund of l facts or
insurance the policy
under any y benefits
g to such ys before, ability. under any ill get the
![Page 25: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/25.jpg)
Policy WoUIN: IFFH
For https://whttps://w
10. RenTheinsui.
ii.
iii.
iv.
v. vi.
vii.
11. Wit
i.
ii.
12. Mo
Afteeighthe enhheain tded
13. PosWe,rate
14. Free
Theof p
ording – Health HLIP21328V022
Detailed Guid
www.irdai.govwww.irdai.gov
newal of Police policy shall ured person.
The Compaobligation tRenewal shthe precediRequest forof the policyAt the end Period of 3available duNo loading sThe PremiuHowever no
Sum Insurereports willenhanced s
thdrawal of Poln the likelihoabout the samYou/ lnsured Us at the timewaiting perio
ratorium Perier completionht years is cal
first policy ahancement ofalth insurancethe policy coductibles as pe
ssibility of Rev, with prior a
es. You shall b
e look periode Free Look Peporting/ migra
Protector Plus 2021
delines on por
v.in/ADMINCMv.in/ADMINCM
cy ordinarily be
any shall endo give any notall not be deng policy year
r renewal alony period of the policy
30 days to muring the graceshall apply onm applicable
o loading shald can be enhl be requireduminsured
olicy ood of this prme 90 days prPerson will hae of renewal wd as per IRDA
iod n of eight conled as morato
and subsequef sums insured claim shall bntract. The per the policy c
vision of Termapproval of IRbe notified thr
eriod shall be ating the polic
rtability, kindl
MS/cms/frmGMS/cms/what
e renewable e
deavor to givtice for renewnied on the grs ng with requis
y period, the maintain conte period.
n renewals basfor renewal sl be applied o
hanced at the to be subm
oduct being wrior to expiry oave the optiowith all the ac
AI guidelines, p
ntinuous yearorium period.ently completd only on the
be contestablepolicies wouldcontract.
ms of the PolicRDAI, may revree months be
applicable at cy.
ly refer the lin
eneral_LayousNew_Layout
except on gro
e notice for wal. ground that th
site premium
policy shall ttinuity of ben
sed on individshall be based
on individual ce time of reneitted. Howev
withdrawn in of the policy. n to migrate tccrued continprovided the p
s under the p The moratorion of 8 cont
e enhanced lie except for pd however be
cy Including thvise or modifyefore the chan
the inception
nk
ut.aspx?page=t.aspx?page=P
ounds of frau
renewal. Ho
he insured pe
shall be recei
erminate andnefits withou
dual claims exd on the ratinlaimsexperienewal for whicer the waitin
future, We w
to similar heauity benefits spolicy has bee
policy no lookrium would betinuous yearsmits. After th
proven fraud ae subject to
he Premium Ry the terms onges are affec
n of the Policy
=PageNo2908&PageNo3987&
ud, misrepres
wever, the C
erson had ma
ved by the Co
d can be renet break in p
perience. ng factors likence. ch fresh propng periods wi
will intimate Y
lth insurance such as cumu
en maintained
k back to be ae applicable fs would be aphe expiry of Mand permaneall limits, su
Rates of the policy icted.
y and not on r
Page 25
&flag=1 &flag=1
sentation by Y
Company is n
de a claim or
ompany befor
ewed within tolicy. Covera
Age, Sum Ins
osal form andll apply afres
You/the insure
product avaiulative bonus, d without a br
applied. This for the sums ipplicable fromMoratorium Pent exclusionsb limits, co-p
including the
renewals or at
of 37
You/the
not under
r claims in
re the end
the Grace ge is not
sured etc.
d medical sh for the
ed person
lable with waiver of
reak.
period of nsured of
m date of Period, no specified
payments,
premium
t the time
![Page 26: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/26.jpg)
Policy WoUIN: IFFH
YoureviIf th
i.
ii
ii
15. Nom
The paymshalthe Policlegadisch
16. Noti.
ii.
iii.
17. No
Any persaffec
18. NotWe othan e
19. Ter
All msha
20. Ter
All conand
21. Aut
The c
ording – Health HLIP21328V022
u/the insured iew the termshe insured has. a refund
insured pei. where the
insured peii. Where on
commens
mination policyholder
ment of claiml be communpolicy is madcy Schedule/Pl heirs or legaharge of its lia
tice & CommuAny notice, in writing. Such commthe Policy SWe shall comode ment
Constructive knowledge o
on(s), in possct us notwiths
tice of Chargewill not be bo
er dealings weffective disch
ritorial Limit medical treatll be payable
ritorial Jurisddisputes or dstruct, limitat
d according to
tomatic changcoverage for t
Protector Plus 2021
shall be allows and conditios not made anof the premiuerson and thee risk has alreerson, a dedunly a part ofurate with the
is required ams under the p
icated to Us ie. ln the even
Policy Certificaal representatability under t
unication direction, ins
unication shachedule.
ommunicate wtioned in the s
Notice or informatiosession of anystanding subse
e ound to take ith or relatingharge to us.
ment for the in Indian curr
iction differences untions and/or Indian law.
ge in Coveragthe Insured Pe
wed a period oons of the Poliny claim durinum paid less
e stamp duty ceady commenction towards
f the insurane insurance co
at the inceptpolicy in the en writing andnt of death ofate/Endorsemtives of the p
the policy.
struction or an
all be sent to O
with You/ Insschedule.
n of any circy of our officiaequent accep
cognizance org to this policy
purpose of thency.
nder or in relexclusions co
e under the person(s) shall
of fifteen daycy, and to ret
ng the Free Loany expenses
charges; or nced and the s the proportice coverage overage durin
tion of the poevent of deat such changef the policyho
ment (if any)} apolicyholder w
ny other com
Our address o
sured person
cumstance(s) al shall not be
ptance of the p
r be affected y. Your receip
his insurance
ation to the ntained in th
policy automatically
ys from date ourn the same ok Period, thes incurred by
option of retuonate risk prehas commen
ng such period
olicy to makeh of the polic shall be effec
older, We willand in case thwhose dischar
munication re
r through any
at the addre
or conditione the notice tpremium.
by any notice pt or receipt o
will have to b
interpretatione Policy shall
y terminate:
of receipt of tif not accepta
e insured shaly Us on medic
urn of the Poemium for pernced, such prd.
e a nominatiocyholder. Any ctive only whl pay the nom
here is no subsrge shall be tr
elated to the
y other electro
ess or throug
in connectioo or be held
of trust, charf insured pers
be taken in In
n of the termbe determin
Page 26
the Policy docable. l be entitled tcal examinati
licy is exercisriod of cover oroportionate
on for the puchange of no
en an endorsminee {as nam
sisting nominreated as full
Policy should
onic modes sp
h any other e
on with you to bind or pre
rge, lien, assigson shall in al
ndia only and
ms, conditionsed by the Ind
of 37
cument to
to on of the
ed by the or premium
urpose of omination ement on
med in the ee, to the and final
d be made
pecified in
electronic
/ insured ejudicially
gnment or l cases be
all claims
s, validity, dian court
![Page 27: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/27.jpg)
Policy WoUIN: IFFH
a)
b)
22. End
i.
ii
23. Cha
Youabo
24. IncrIf Ydedrela
25. Ter
Thethe
26. Pay
The
27. ElecYou presthrodatathertelecotheadhe
ording – Health HLIP21328V022
In the case Insured Perpolicy. In caof his/her nperson (inclthe applicatof the insurperiod of thUpon exhausubject to re
dorsements (C. This polic
anyone (ievidenced
i. The policylegal heir/payment without bThe policyhim/her m
anges in Circuu must informout insured pe
rease in Sum ou renew wit
ductible, then ation to the am
ms and condie terms and c
Policy and sh
yment of Prempremium pay
ctronic Transa/insured perscribe from tiugh facilities
a interchangeeof)or by mecommunicatioer products aerence to and
Protector Plus 2021
of his/ her (Insons till the e
ase, the otheratural guardialuding his/hertion. Providedred person, phe policy will bustion of sumenewal on the
Changes in Pocy constitutesncluding an
d by a written yholder may b/immediate fof premium reak. yholder may
moving out of
mstances us, as soon a
erson(s) which
Insured or Reth Us or transthe waiting p
mount by whi
itions of the Ponditions conall be read to
mium: yable shall be
action son(s) agree(sime to time for conductin
e, call centereans of electroon establishedand services,d in complian
nsured Personend of Policy Pr insured persan or guardianr relationship d no claim hasro-rata refund
be effective. m insured and
e due date as
olicy) s the completinsurance ageendorsement
be changed ofamily membe
(if any). The
be changed India.
as reasonably h may affect th
eduction in Desfer from anyperiods mentich the Sum In
Policy ntained hereinogether as one
paid in advan
s) to adhere tand hereby
ng remote trars, teleserviconic, computd by or on be shall constice with our t
n) demise. HoPeriod. The oton is minor, tn appointed bwith the insu
s been made, d of premium
cumulative bper the applic
te contract oent or broket signed and snly at the timer. Such chan
e renewed Po
during the P
possible of anhe insurance c
eductible y other Insureioned under E
nsured has bee
n and in the Pe document.
ce before com
to and complagree(s) and ansactions ince operationser, automate
ehalf of us foritute legally terms and con
wever the cother insured pthe policy shaby court. All reured person) m
and terminatm of the decea
bonus, for thecable terms a
of insurance. r) except Us.stamped.
me of renewalnge would beolicy shall be
Policy Period
ny change in icover provide
er and increaExclusion numen increased
Policy Schedu
mmencement
ly with all succonfirm(s) t
cluding the ins (whether vd machines nr and in respebinding and
nditions for s
ver shall contpersons may all be renewed
elevant particmust be submtion takes placased insured
e policy year. nd conditions
This Policy c Any change
. The new poe subject to ae treated as
only in case
nformation yoed.
se the Sum Inmbers 2, 3 andor Deductible
ule shall be de
of risk.
ch terms and hat all transa
nternet, worldvoice, video, network or thect of the pol
valid transasuch facilities,
Page 27
tinue for the ralso apply to rd only throughulars in respe
mitted to Us ace on accountperson for th
However, thes.
annot be mo made by Us
olicyholder muacceptance bhaving been
of his/her d
ou have provi
nsured or redd 4 shall appl
e has been red
eemed to for
conditions aactions effectd wide web, e
data or comhrough other licy or its term
actions when , as may be p
of 37
remaining renew the h any one ct of such
along with t of death e balance
e policy is
odified by s shall be
ust be the by Us and
renewed
demise or
ided to us
duce Your ly fresh in duced.
m part of
s we may ted by or electronic mbination means of
ms or our done in
prescribed
![Page 28: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/28.jpg)
Policy WoUIN: IFFH
fromstatu
28. ReaYouto m
29. DiscIf wesuit be d
30. Arbi.
ii.
iii.
31. Pro
SepClaiCou
32. RedIn cWeTollE-mCou Insugrie
ording – Health HLIP21328V022
m time to timutory regulatio
asonable Precu/insured persminimize claim claimer Clause shall disclaimin a court of leemed to hav
bitration If any disputeotherwise addecision of a upon a singleto a panel of to the dispuarbitration shConciliation A2016). It is clearly agherein beforethe policy. It is hereby eaction or suitshall be first o
vision for Senparate channe
ms/ Grievancurier: Chie IFFC IFFC Sect
dressal Of Griease of any gribsite: http free: 1800
mail: suppurier : Chie IFFC IFFC Sect
ured person mevance. The lis
Protector Plus 2021
me. However, ons including
caution son(s) shall ta
ms.
e m our liabilityaw within 12(ve been aband
e or differencdmitted) such
sole arbitrato arbitrator withree arbitratte/difference
hall be conduAct 1996, as a
greed and une provided, if
expressly stipt upon the poobtained.
nior Citizens l to address th
ce: seniorcitef Grievance OO-Tokio GeneO Tower, Plotor -29, Gurga
evance evance, the ins://www.iffco0-103-5499 port@iffcotokef Grievance OO-Tokio GeneO Tower, Plotor -29, Gurga
may also approst of branches
the terms ofprovisions of
ake all reason
y for any claim(twelve) montdoned and sh
ce shall arisedifference sh
or to be appothin thirty dators, comprisi
and the thiucted under aamended by A
derstood thatthe Company
ulated and deolicy that awa
he related claizengrievance
Officer eral Insurancet no. 3 on - 122001
nsured personotokio.co.in/c
kio.co.in Officer eral Insurancet no. 3 on - 122001 oach the grievs with address
f the conditioIRDA regulati
able precauti
m and such clths from dateall not therea
as to the quhall independ
ointed in writiys of any partng two arbitrrd arbitrator
and in accordArbitration an
t no differency has dispute
eclared that iard by such a
ims and [email protected]
e Co Ltd
n may contactustomer-serv
e Co Ltd
vance cell at ases are availab
on shall not oions for prote
on to prevent
laim shall not of disclaimerfter be recove
uantum to bedently of all ong by the party invoking arators, one to to be appoi
ance with thnd Conciliatio
ce or dispute d or not acce
it shall be a carbitrator/arb
vances of senioco.in
t Us through: ices/grievanc
any of the comble athttps://w
override proviection of policy
t injury, illnes
t have been mr, then the claerable under t
e paid by theother questiorties here to obitration, the be appointedinted by suce provisions n (Amendme
shall be prefeepted liability
condition preitrators of th
or citizen are
e-redressal
mpany’s brancwww.iffcotok
Page 28
isions of any y holder's inte
ss, and disease
made subject im shall for althis policy.
e Policy, (liabions, be referror if they cansame shall be
d by each of thh two arbitraof the Arbitrnt) Act, 2015
erable to arbiunder or in r
ecedent to ane amount of
mentioned be
ches with the kio.co.in/conta
of 37
law(s) or erests.
e in order
matter of ll purpose
ility being ed to the not agree e referred he parties ators and ation and (No. 3 of
tration as respect of
y right of expenses
elow:
details of act-us
![Page 29: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/29.jpg)
Policy WoUIN: IFFH
If Ininsu For http lf lnpersof goffic Grie- htt
AHMOfficJeevTilakAhmTel.: Ema
BENGOfficJeevGrouJP NBengTel.: Ema
BHOOfficJana6, MNearBhopTel.: Fax: Ema
BHUOffic62, FBhubTel.: Fax:
ording – Health HLIP21328V022
nsured personured person m
updated detaps://www.iffc
nsured personson may also
grievance as pces have been
evance may atps://igms.ird
MEDABAD - Shce of the Insurvan Prakash Buk Marg, Relief
medabad – 380079 - 255012il: bimalokpal
GALURU - Smce of the Insurvan Soudha Buund Floor, 19/agar, Ist Phasgaluru – 560 0080 - 266520il: bimalokpal
OPAL - Shri Guce of the Insurk Vihar Comp
Malviya Nagar, r New Marketpal – 462 0030755 - 276920755 - 27692il: bimalokpal
UBANESHWARce of the InsurForest park, bneshwar – 750674 - 259640674 - 25964
Protector Plus 2021
n is not satismay contact th
ails of grievanotokio.co.in/c
n is not satisfapproach the
per lnsurance n provided as
also be lodgedda.gov.in/
Office Detai
hri Kuldip Singrance Ombuduilding, 6th floRoad,
0 001. 201/02/05/06 l.ahmedabad@
mt. Neerja Sharance Ombuduilding, PID No/19, 24th Maie,
078. 048 / 2665204l.bengaluru@
uru Saran Shrirance Ombud
plex, 2nd FloorOpp. Airtel O
t, .
201 / 2769202203 l.bhopal@eco
R - Shri Sureshrance Ombud
51 009. 461 /2596455 429
sfied with thehe grievance o
ce officer, kincustomer-serv
fied with thee office of lnsu
Ombudsman below
d at IRDAI lnte
ils
gh sman, oor,
@ecoi.co.in
ah sman,
o. 57-27-N-19n Road,
49 ecoi.co.in
vastava sman, r,
Office,
2
oi.co.in
h Chandra Pansman,
e redressal ofofficer atchief
ndly refer the vices/grievanc
redressal of urance Ombud
Rules 2017. T
egrated Griev
nda
f grievance thfgrievanceoffic
link ce-redressal
grievance thdsman of the The contact d
vance Manage
JurUnio
Gujarat, Dadra & NagDaman and
Karnataka.
Madhya PraChattisgarh.
Orissa.
hrough one ocer@iffcotoki
hrough above respective ar
details of the I
ement System
risdiction of Oon Territory, D
gar Haveli, Diu.
adesh .
Page 29
of the above o.co.in
methods, thea/region forInsurance Om
m
Office District)
of 37
methods,
e insured redressal
mbudsman
![Page 30: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/30.jpg)
Policy WoUIN: IFFH
Ema
CHAOfficS.C.OBatrChanTel.: Fax: Ema
CHENOfficFatimAnnaCHENTel.: Fax: Ema
DELHOffic2/2 AAsafNewTel.: Ema
GUWOfficJeevNr. PGuwTel.: Ema
HYDOffic6-2-4LaneA. C.HydeTel.: Fax: Ema
JAIPOfficJeev
ording – Health HLIP21328V022
il: bimalokpal
ANDIGARH - Dce of the InsurO. No. 101, 10a Building, Sendigarh – 160 0172 - 270610172 - 27082il: bimalokpal
NNAI - Shri Mce of the Insurma Akhtar Coua Salai, TeynaNNAI – 600 01044 - 243336044 - 243336il: bimalokpal
HI - Shri Sudhce of the InsurA, Universal Inf Ali Road,
w Delhi – 110 0011 - 232324il: bimalokpal
WAHATI - Shrice of the Insurvan Nivesh, 5tPanbazar over
wahati – 781000361 - 26322il: bimalokpal
DERABAD - Shrce of the Insur46, 1st floor, "e Opp. Saleem. Guards, Lakderabad - 500 0040 - 675041040 - 233765il: bimalokpal
UR - Smt. Sance of the Insurvan Nidhi – II B
Protector Plus 2021
Office Detai
l.bhubaneswa
r. Dinesh Kumrance Ombud02 & 103, 2ndctor 17 – D, 017.
196 / 2706468274 l.chandigarh@
M. Vasantha Krance Ombudurt, 4th Floor,mpet, 18. 668 / 2433528664 l.chennai@ec
ir Krishna rance Ombudnsurance Build
002. 481/[email protected]
Kiriti .B. Saharance Ombudh Floor, r bridge, S.S. R01(ASSAM). 204 / 2602205l.guwahati@e
ri I. Suresh Barance Ombud"Moin Court",
m Function Paldi-Ka-Pool, 004. 123 / 2331212599 l.hyderabad@
ndhya Baliga rance OmbudBldg., Gr. Floo
ils
mar Verma sman, Floor,
8
@ecoi.co.in
rishna sman, , 453,
84
oi.co.in
sman, ding,
4 co.in
a sman,
Road,
5 ecoi.co.in
abu sman, , ace,
22
@ecoi.co.in
sman, r,
JurUnio
Punjab, Haryana, Himachal PrJammu & KaChandigarh.
Tamil Nadu,PondicherryKaraikal (whPondicherry
Delhi.
Assam, Meghalaya, Manipur, Mizoram, Arunachal PNagaland an
Andhra PradTelangana, Yanam and part of Terri
Rajasthan.
risdiction of Oon Territory, D
radesh, ashmir, .
, y Town and hich are part oy).
Pradesh, nd Tripura.
desh,
itory of Pondi
Page 30
Office District)
of
cherry.
of 37
![Page 31: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/31.jpg)
Policy WoUIN: IFFH
BhawJaipuTel.: Ema
ERNAOffic2nd OppErnaTel.: Fax: Ema
KOLKOfficHind4, C.KOLKTel.: Fax :Ema
LUCKOffic6th FNawLuckTel.: Fax: Ema
MUMOffic3rd FS. V.MumTel.: Fax: Ema
ording – Health HLIP21328V022
wani Singh Maur - 302 005. 0141 - 27403il: Bimalokpal
AKULAM - Msce of the InsurFloor, Pulinat. Cochin Shipy
akulam - 682 00484 - 235870484 - 23593il: bimalokpal
KATA - Shri P.ce of the Insurdustan Bldg. AR. Avenue, KATA - 700 07033 - 221243
: 033 - 221243il: bimalokpal
KNOW -Shri Jce of the InsurFloor, Jeevan
wal Kishore Roknow - 226 00
0522 - 223130522 - 22313il: bimalokpal
MBAI - Shri Mce of the InsurFloor, Jeevan Road, Santac
mbai - 400 054022 - 261065022 - 261060il: bimalokpal
Protector Plus 2021
Office Detai
arg,
363 l.jaipur@ecoi.
s. Poonam Borance Ombudt Bldg., yard, M. G. Ro015. 759 / 2359338336 l.ernakulam@
. K. Rath rance Ombud
Annexe, 4th Flo
72. 339 / 2212434341 l.kolkata@eco
ustice Anil Kurance OmbudBhawan, Phasad, Hazratgan1.
330 / 2231331310 l.lucknow@ec
Milind A. Khararance OmbudSeva Annexe,
cruz (W), 4. 552 / 2610696052 l.mumbai@ec
ils
.co.in
odra sman,
oad,
8
@ecoi.co.in
sman, oor,
40
oi.co.in
umar Srivastasman, se-II,
nj,
1
coi.co.in
at sman, ,
60
coi.co.in
va
JurUnio
Kerala, LakshadweeMahe-a part
West BengaSikkim, Andaman &
Districts of ULaitpur, JhanBanda, ChitrMirzapur, SoPratapgarh, Jalaun, KanpSitapur, LakBarabanki, RFaizabad, AmBalrampur, Sultanpur, MSantkabirnaGorkhpur, DChandauli, B
Goa, Mumbai Meexcluding N
risdiction of Oon Territory, D
ep, t of Pondiche
al,
& Nicobar Islan
Uttar Pradeshnsi, Mahoba, rakoot, Allahaonbhabdra, FaJaunpur,Vara
pur, Lucknow,himpur, BahraRaebareli, Sramethi, KaushaBasti, Ambed
Maharajgang, agar, AzamgarDeoria, Mau, GBallia, Sidhara
etropolitan Reavi Mumbai &
Page 31
Office District)
rry.
nds.
h : Hamirpur,
abad, atehpur, anasi, Gazipur, Unnao, aich, vasti, Gonda, ambi, karnagar,
rh, KushinagarGhazipur, athnagar.
egion & Thane.
of 37
r,
r,
![Page 32: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/32.jpg)
Policy WoUIN: IFFH
NOIDOfficBhag4th FNayaDisttU.P-Tel.: Ema
PATNOffic1st FBazaBahaPatnTel.: Ema
PUNOfficJeevC.T.SN.C. PuneTel.: Ema
Insuranc
SECT 1. The
ording – Health HLIP21328V022
DA - Shri Chance of the Insurgwan Sahai PaFloor, Main Roa Bans, Sectort: Gautam Bud201301. 0120-251425il: bimalokpal
NA - Shri N. Kce of the InsurFloor,Kalpana ar Samiti Roadadurpur, na 800 006.
0612-268095il: bimalokpal
NE - Shri Vinayce of the Insurvan Darshan BS. No.s. 195 toKelkar Road,
e – 411 030. 020-4131255il: bimalokpal
e is the subje
TION VI LOAD
Loading for P
loading struct
Protector Plus 2021
Office Detai
ndra Shekharrance Ombudalace oad, r 15, ddh Nagar,
50 / 2514252 /l.noida@ecoi.
K. Singh rance OmbudArcade Buildi
d,
52 l.patna@ecoi.
y Sah rance Ombudldg., 3rd Floo
o 198, Narayan Peth
ect matter of s
DINGS
Predisposing F
ture for differ
P
(A) D> 6 a>= 7Mor
ils
r Prasad sman,
/ 2514253 co.in
sman, ing,,
.co.in
sman, r,
h,
co.in
solicitation
Factors (PDF)
rent PDFs is as
Predisposing
Factor Diabetes : Raand < 7
7 and <= 8 re than 8
s follows:
L
nge of HbA1C
JurUnio
State of UttaDistricts of UAgra, AligarhBudaun, BulMainpuri, MMoradabad,Pilibhit, EtawFirozbad, GaGhaziabad, Hapur, ShamSambhal, AmKanshiramn
Bihar, Jharkhand.
MaharashtrArea of Navexcluding MRegion.
Loading on Baea
memC Level
10% (Ten15% (Fifte
25% (Twenty
risdiction of Oon Territory, D
aranchal and Uttar Pradeshh, Bagpat, Barlandshehar, E
Mathura, Mee, Muzaffarnagwah, FarrukhaautambodhanHardoi, Shahj
mli, Rampur, Kmroha, Hathraagar, Saharan
a, i Mumbai and
Mumbai Metro
ase premium fach mber
n percent) een percent) y Five percent
Page 32
Office District)
the following h: reilly, Bijnor, tah, Kanooj, rut, gar, Oraiyya, abad, nagar, ahanpur,
Kashganj, as, npur.
d Thane opolitan
for
t)
of 37
![Page 33: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/33.jpg)
Policy WoUIN: IFFH
2. men NoteIf thload •
•
•
DISC 1.
2.
ording – Health HLIP21328V022
In case of Adntioned above
e: here is more ing will apply
Loadings as mconditions arcontinue to bHowever, Nopolicy with th
Loadings for (
a) 50%
b) 35%
Range of Hbalready applie
In case therereduced accoworsening of
COUNTS
In case of Indinsured perso• For 2• For 3
This family dprobability of
For online puin lieu of agen
Protector Plus 2021
(B) H
(C)O> 28>= 3Mor
dverse Medice- up to 20% lo
than one meon base prem
mentioned inre pre-existinbe charged at o loading will he Company.
(1) and (2) for
of the basic p
of the basic p
A1C Level aned for these f
e is an improording to thethe situation
dividual basis,ons covered u2 (Two) Family3 and more Fa
discount is of anti- selectio
urchase, a discncy commissio
Hypertension
Obesity : Rang8 and < 32 32 and <= 35 re than 35
cal History / oading will be
ember havingmium separate
(1) and (2) ag at the timeevery renewabe charged,
r all factors pu
premium per
premium per
nd BMI will bactors at the t
vement in Hbe value of p.
, a Family discnder the policy Members- 5amily Membe
offered on aon.
count of 15% on.
n
ge of Body Ma
Pre-existing D applicable on
g PDF or Advely for each m
above will bee of inceptional.
if these con
ut together wi
person for an
person for a F
be reviewed atime of incept
bA1C level anparameters. H
count on totacy at the incep5% discount ors- 10% disco
account of sa
will be given
10% (Ten
ass Index (BM5% (Five10% (Ten
25% (Twenty
Diseases othen base premiu
verse Medicamember.
e applicable on of the first
ditions manif
ill not exceed:
Individual Su
Floater Sum In
after every thtion of policy
nd BMI, thenHowever no
al premium, dption of the con total premiuunt on total p
avings in ma
on the total p
n percent)
MI) e percent) n percent) y Five percent
er than Pre-dum separately
al history/Pre
only if any of policy with
fest after the
:
m Insured po
nsured policy.
hree renewalfor the first ti
the loading further loadi
epending upoover is permisum.
premium.
anagement e
premium com
Page 33
t)
disposing facty for each mem
-existing dise
the above mthe Company
e inception of
olicy and
s, wherever ime with the C
may be withing shall be
on the total nssible as below
expenses and
mputed. This d
of 37
tors (PDF) mber.
eases, the
mentioned y and will
f the first
loading is Company.
hdrawn or done for
number of w:
reduced
discount is
![Page 34: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/34.jpg)
Policy WoUIN: IFFH
Anne
List I – Li Sl. No 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41
ording – Health HLIP21328V022
exure - A ist of non-pay
Item BABY FOODBABY UTILITBEAUTY SERBELTS/ BRACBUDS COLD PACK/CARRY BAGSEMAIL / INTFOOD CHARLEGGINGS LAUNDRY CMINERAL WSANITARY PTELEPHONEGUEST SERVCREPE BANDDIAPER OF AEYELET COLSLINGS BLOOD GROSERVICE CHATelevision CSURCHARGEATTENDANTEXTRA DIET BIRTH CERTCERTIFICATECOURIER CHCONVEYANCMEDICAL CEMEDICAL REPHOTOCOPMORTUARYWALKING AOXYGEN CYSPACER SPIROMETRNEBULIZER STEAM INHAARMSLING THERMOME
Protector Plus 2021
yable Items
TIES CHARGESRVICES CES
/HOT PACK S
TERNET CHARGRGES (OTHER T
HARGES WATER
AD E CHARGES VICES DAGE ANY TYPE LAR
OUPING AND CARGES WHER
Charges ES T CHARGES OF PATIENT (IFICATE E CHARGES HARGES CE CHARGES ERTIFICATE ECORDS IES CHARGES
Y CHARGES IDS CHARGESLINDER (FOR
RE KIT ALER
ETER
S
GES THAN PATIEN
CROSS MATCHRE NURSING C
(OTHER THAN
USAGE OUTSI
T's DIET PROV
HING OF DONHARGE ALSO
N THAT WHICH
IDE THE HOSP
VIDED BY HOS
ORS SAMPLESCHARGED
H FORMS PART
PITAL)
SPITAL)
S
T OF BED CHA
Page 34
ARGE)
of 37
![Page 35: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/35.jpg)
Policy WoUIN: IFFH
List II – It
42 43 44 45 46 47 48
49 50 51 52 53 54
55 56 57 58 59 60 61 62 63 64 65 66 67 68
Sl No. 1 2 3 4 5 6 7 8 9 10 11 12 13
ording – Health HLIP21328V022
tems that are
CERVICAL COSPLINT DIABETIC FOKNEE BRACEKNEE IMMOLUMBO SACNIMBUS BED
AMBULANCAMBULANCABDOMINAPRIVATE NU SUGAR FRECREAMS POpayable) ECG ELECTRGLOVES NEBULISATIANY KIT WITKIDNEY TRAMASK OUNCE GLAOXYGEN MAPELVIC TRACPAN CAN TROLLY COVUROMETER,AMBULANCVASOFIX SA
Item BABY CHARGHAND WASH SHOE COVER CAPS CRADLE CHARCOMB EAU-DE-COLOFOOT COVERGOWN SLIPPERS TISSUE PAPERTOOTH PASTETOOTH BRUS
Protector Plus 2021
to be subsum
OLLAR
OOT WEAR ES (LONG/ SH
OBILIZER/SHOCRAL BELT D OR WATER
CE COLLAR CE EQUIPMENT
L BINDER URSES CHARGE
E Tablets OWDERS LOT
RODES
ON KIT TH NO DETAIL
AY
ASS ASK CTION BELT
VER , URINE JUG
CE FETY
ES (UNLESS SP
RGES
OGNE / ROOM
R E
SH
med into Room
ORT/ HINGEDULDER IMMO
OR AIR BED C
T
ES- SPECIAL N
TIONS (Toiletr
LS MENTIONE
PECIFIED/IND
M FRESHNERS
m Charges
D) OBILIZER
CHARGES
NURSING CHAR
ries are not
D [DELIVERY K
ICATED)
RGES
payable, onl
KIT, ORTHOKIT
ly prescribed
T, RECOVERY
Page 35
medical pha
KIT, ETC]
of 37
armaceuticalss
![Page 36: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/36.jpg)
Policy WoUIN: IFFH
List III – I
14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37
Sl No. 1 2 3 4 5 6
7 8 9 10
11 12 13 14 15 16 17
ording – Health HLIP21328V022
tems that are
BED PAN FACE MASK FLEXI MASK HAND HOLDESPUTUM CUPDISINFECTANLUXURY TAX HVAC HOUSE KEEPIAIR CONDITIOIM IV INJECTICLEAN SHEETBLANKET/WAADMISSION KDIABETIC CHADOCUMENTADISCHARGE PDAILY CHARTENTRANCE PAEXPENSES REFILE OPENINGINCIDENTAL EPATIENT IDENPULSEOXYME
Item HAIR REMOVDISPOSABLESEYE PAD EYE SHEILD CAMERA COVDVD, CD CHA
GAUSE SOFT GAUZE WARD AND TARTHROSCOP
MICROSCOPESURGICAL BLSURGICAL DREYE KIT EYE DRAPE X-RAY FILM BOYLES APPA
Protector Plus 2021
e to be subsum
ER P
NT LOTIONS
NG CHARGESONER CHARGEON CHARGES
T ARMER BLANKKIT ART CHARGESATION CHARGPROCEDURE CT CHARGES ASS / VISITORLATED TO PRE
G CHARGES EXPENSES / MNTIFICATION BETER CHARGE
VAL CREAM S RAZORS CHA
VER ARGES
THEATRE BOOPY AND ENDO
E COVER LADES, HARMORILL
ARATUS CHAR
med into Proc
S ES
S
KET
S ES / ADMINIS
CHARGES
RS PASS CHARGESCRIPTION O
MISC. CHARGEBAND / NAMES
ARGES (for site
OKING CHARGOSCOPY INSTR
ONICSCALPEL
RGES
edure Charge
STRATIVE EXPE
GES ON DISCHARG
S (NOT EXPLAE TAG
e preparation
ES RUMENTS
L,SHAVER
es
ENSES
E
AINED)
ns)
Page 36 of 37
![Page 37: ADDRESS OF ISSUING OFFICE · (where appropriate), crowns, extractions and surgery excluding any form of cosmetic surgery/implants. 12. Disclosure to information norm . The Policy](https://reader035.vdocuments.us/reader035/viewer/2022070916/5fb61eb83ab698691a4673d8/html5/thumbnails/37.jpg)
Policy WoUIN: IFFH
ht
ht
For quon yo
List IV – I
18 19 20 21
22
23
Sl No. I1 A2 H3 U4 B5 B6 C7 I8 H
9 N10 H11 A12 L13 M14 V15 A16 S17 G18 U
18
Call ou
hhh
h
You c
ording – Health HLIP21328V022
ttps://play.goo
ttps://apps.ap
uick access to ur mobile from
Items that are
COTTON COTTON BANSURGICAL TAAPRON
TORNIQUET
ORTHOBUND
Item ADMISSION/RHOSPITALISATURINE CONTABLOOD RESERBIPAP MACHICPAP/ CAPD EINFUSION PUMHYDROGEN PE
NUTRITION PLHIV KIT ANTISEPTIC MLOZENGES MOUTH PAINTVACCINATIONALCOHOL SWASCRUB SOLUTGlucometer &URINE BAG
800-103-5499
ur toll free nu
ttps://www.fttps://www.linttps://twitter.c
ttps://www.in
an also follow
Protector Plus 2021
ogle.com/stor
pple.com/in/a
policy servicem -
e to be subsum
NDAGE APE
DLE, GYNAEC B
REGISTRATIONTION FOR EVAAINER RVATION CHARNE
EQUIPMENTS MP– COST EROXIDE\SPIR
LANNING CHA
MOUTHWASH
T N CHARGES ABES
TION/STERILLI& Strips
9
mber -
facebook.comnkedin.com/cocom/iffco tokio
nstagram.com
w us on our So
re/apps/detai
pp/iffco-tokio-
es, claim intim
med into costs
or
BUNDLE
N CHARGES ALUATION/ DIA
RGES AND AN
RIT\ DISINFECT
ARGES - DIETIC
UM
/iffcotokio ompany/iffco--o
m/iffcotokiooffi
ocial Media pa
ls?id=com.iffc
-customer/id1
mation and set
s of treatmen
AGNOSTIC PU
NTE NATAL BO
TANTS ETC
CIAN CHARGE
-tokio-general-
fficial/
ages for regula
cotokio.Custo
1346469176#
ttlement kind
t
URPOSE
OOKING CHARG
ES- DIET CHAR
-insurance-co-
ar updates on
omerApp or
#?platform=ip
ly download o
GES
GES
--ltd-/
our new serv
Page 37
phone
our Customer
vices or featur
of 37
App
res -