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National Student Insurance |
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c). Definitions
1. Hospital/Nursing Home means any institution in India established for indoor care and treatment of sickness and injuries and which either
(a) has been registered either as a Hospital or Nursing Home with the local authorities and is under the supervision of the registered and qualified medical practitioner OR
(b) should comply with minimum criteria as under:
• It should have at least 15 inpatient beds. In Class “ C ” towns condition of number of beds may be reduced to 10
• Fully equipped Operation Theatre of its own wherever surgical operations are carried out.
• Fully qualified nursing staff under its employment round the clock
• Fully qualified Doctor(s) should be in charge round the clock
The term, ‘Hospital/Nursing Home’, shall not include an establishment which is a place of rest, a place for the aged, a place for drug addicts or place of alcoholics, a hotel or a similar place.
2. Surgical Operation means manual and/or operative procedures for correction of deformities and defects, repair of injuries, diagnosis and cure of diseases, relief of suffering and prolongation of life
3. Expenses of Hospitalization for minimum period of 24 hours are admissible. However, this time limit is not applied to specific treatments i.e. day care treatment for stitching of wound/s, close reduction/s and application of POP casts, Dialysis, Chemotherapy, Radiotherapy, Arthroscopy, Eye surgery, ENT surgery, Laparoscopic surgery, Angiographies, Endoscopies, Lithotripsy (Kidney stone removal), D & C, Tonsillectomy 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. This condition will also not apply in case of stay in Hospital of less then 24 hours provided -
a) the treatment is such that it necessitates hospitalization and the procedure involves specialized infrastructural facilities available in Hospitals.
and
b) due to technological advances hospitalization is required for less then 24 hours only.
4. Any One Illness will be deemed to mean continuous period of illness and it 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.
5. Pre Hospitalisation: Relevant Medical Expenses incurred during period up to 30 days prior to hospitalisation on disease/illness/injury sustained will be considered as part of claim mentioned under item 1.0 above
6. Post Hospitalisation: Relevant Medical Expenses incurred up to 60 days after hospitalisation/ domiciliary hospitalisation on disease/illness/injury sustained will be considered as part of claim mentioned under item 1.0 above
7. Medical Practitioner means a person who holds a degree/diploma from a recognised institution and is registered by Medical Council or respective State Council of India. The term Medical Practitioner would include Physician, Specialist and Surgeon.
8. Qualified Nurse means a person who holds a certificate of a recognised Nursing Council and who is employed on the recommendations of the attending Medical Practitioner.
9. TPA means a Third Party Administrator, who, for the time being, is licensed by the Insurance Regulatory and Development Authority, and is engaged, for a fee or remuneration, by whatever name called as may be specified in the agreement with the Company, for the provision of health services.
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 Top Providers |
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ICICI Prudential Life |
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SBI Life Insurance |
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Life Insurance Corp. |
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Bajaj Allianz Insurance |
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United India Insurance |
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