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Hospital Cash Allowance - In case the Insured / Insured Person is hospitalized for treatment of any disease / illness / injury / critical illness for which a valid claim is admissible under the Policy and if the hospitalisation exceeds a specified number of days mentioned in the Schedule to this Policy, this benefit provides for payment to the Insured/Insured Person of a daily hospital allowance up to the specified limits as mentioned in the Schedule to this Policy. This benefit is applicable irrespective of the number of occurrences during the Policy period subject to overall Sum Insured
Hospital/Nursing Home - “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 as a hospital or nursing home with the local authorities and is under the supervision of a registered and qualified medical practitioner OR (b) should comply with minimum criteria as under: (i) It should have at least 15 inpatient Beds* (ii) Fully equipped operation theatre of its own wherever surgical operations are carried out (iii) Fully qualified Nursing Staff under its employment round the clock (iv) Fully qualified Doctor(s) should be in charge round the clock (N.B.: *In Class ‘C’ town’s condition of number of beds be reduced to 10) The term “Hospital/ Nursing Home” shall not include an establishment, which is a place of considered to be taken under Hospitalisation Benefit section.
Hospitalisation expenses - "Hospitalisation expenses" mean expenses on hospitalization incurred in India for minimum period of 24 hours incurred in India, which are admissible under this Policy. However, this time limit will not apply for specific treatments defined under Day Care treatment taken in a Hospital / Nursing Home.