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Health Insurance 425 views May 22, 2021
Chola MS Baroda Swasthya Parivar Plan covers your medical expenses and ensures hassle-free medical treatments for you and your family. This policy is available for the customers of Bank of Baroda whose age is 18-65 years. Under this policy, you can cover your spouse and up to 4 dependent children. Chola MS Baroda Swasthya Parivar Plan is issued as a group policy to you and individual certificates may be issued to the beneficiaries. Read this page further to know more about the coverage and exclusion of the Chola MS Baroda Swasthya Parivar Plan.
Table of Contents
The insurer shall cover the following medical expenses under this plan –
In-patient Hospitalization Expenses – Under this, the insurer will cover all the medically necessary in-patient treatment expenses such as –
Pre-hospitalization Expenses: You’ll get coverage for the medical expenses incurred 30 days before the date of hospitalization, provided such medical expenses are incurred for the same condition for which you are hospitalized.
Post-hospitalization Expenses: The insurer shall cover the medical expenses up to 60 days post the date of discharge from the hospital, provided the expenses are related to the same condition for which you have been hospitalized.
Day Care Procedures/Treatment Expenses: Under this policy, 141 Day Care Procedures/Treatment are covered up to the sum insured. In case you receive daycare treatment/procedure in a non-network hospital, the same must be pre-authorized by the insurer. Pre-authorization for daycare treatment/procedure must be sent 72 hours before the date of admission in case of planned admission, otherwise, within 24 hours of the admission. Payment under this benefit will reduce the policy sum insured.
Ambulance Expenses: The insurer shall reimburse the ambulance expenses that have incurred during your transfer to the nearest hospital. Ambulance expenses will be reimbursed to you on submission of original bills, and are covered up to INR 2,500 per hospitalization.
AYUSH Coverage Expenses: You will get coverage for the hospitalization expenses when you are admitted for more than 24 hours for non-allopathic treatments under Ayurveda, Unani, Siddha and Homeopathy systems. The treatment is admissible for the claim if you have received it in a central or state government AYUSH hospital, teaching hospital attached to AYUSH college recognized by Central Government/Central Council of Indian Medicine/Central Council for Homeopathy, AYUSH Hospital, standalone or co-located in-patient healthcare facility of any recognized system of medicine registered with the local authorities.
Note: Naturopathy treatment is not covered under the policy. And payment under this benefit will reduce the sum insured.
Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be covered under this policy after the expiry of a 36-month waiting period, provided the policy is renewed without any break. The following specific disease/procedure has a 24-month waiting period in this policy:
Nothing shall be payable in respect of the treatment of an illness within 30 days from the date of the policy commencement date except claims arising due to an accident.
Under Chola MS Baroda Swasthya Parivar Plan, you don’t get coverage for any losses caused directly due to the following: