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New India Assurance

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Domiciliary Hospitalisation Benefit

Medical treatment for a period exceeding three days for such illness/disease/injury which in the normal course would require care and treatment at a hospital/nursing home but actually taken whilst confined at home in India under any of the following circumstances namely,

Highlights

Overseas
    Medical
    Insurance

Medi + Claim

The Citibank
    International
    Silver Card

	The condition of the patient is such that he/she cannot be removed to the hospital/nursing home or
	The patient cannot be removed to hospital/nursing home for lack of accommodation therein

Subject however that domiciliary hospitalization benefits shall not cover :-
Expenses incurred for pre and post hospital treatment and expenses incurred for treatment for any of the following diseases:

	Asthma
	Bronchitis
	Chronic Nephritis and Nephritic Syndrome
	Diarrhea and all type of Dysenteries including Gastroenteritis
	Diabetes Mellitus and Insipidus
	Epilepsy
	Hypertension
	Influenza, Couth and Cold
	All Psychiatric or Psychosomatic Disorders
	Pyrexia of unknown Origin for less than 10 days
	Tonsillitis & Upper Respiratory Tract Infection including laryngitis and  Pharyngitis
	Arthritis, Gout and Rheumatism

Note:

When treatment such as Dialysis, Chemotherapy, Radiotherapy etc. if taken in the Hospital/Nursing Home and the Insured is Discharged on the same day, the treatment will be considered to be taken under Hospitalization Benefit section. Liability of the company under this clause is restricted as stated in the schedule attached hereto.

Any one illness will be deemed to mean continuous period of illness and includes relapse within 45 days from the date of last consultation with the Hospital/Nursing Home where treatment may have been taken. Occurrence of same illness after a lapse of 45 days as stated above will be considered as fresh illness for the purpose of this policy.

Exclusions

The company shall not be liable to make any payment under this policy in respect of any expenses whatsoever incurred by any Insured Person in connection with or in respect of.

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