Dec
HEALTH INSURANCE POLICY IN INDIA – What it does not cover
Health Insurance Covers hospitalization when a patient is in hospital for more than 24 hours due to:
1) Surgery requirement
2) Illness
3) Accident
4) Symptoms, when diagnosis is been done
According to the Document of Cholamandalam MS General Insurance the costs covered are :
1. Room, Boarding Expenses in Hospital/Nursing Home
2. Nursing Expenses, intensive care unit expenses,
3. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees
4. Anesthesia
* Blood Oxygen,
* Operation Theater Charges,
* Surgical Appliances, Medicines,
* Drugs,
* Diagnostic Materials,
* X-ray,
* Dialysis,
* Chemotherapy,
* Radiotherapy,
* Pacemaker cost,
* Artificial Limbs,
* Cost of Organs.
5. Pre-Hospitalization Expenses
6. Post-Hospitalization Expenses
7. General Health and Eye Examination (Optional with extra premium)
8. Local Ambulance Services (Optional with extra premium)
9. Hospital Daily Allowance (Optional with extra premium)
Admissible Limits:
- Minimum 24 hrs. Hospitalization except Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Dental Surgery, Lithotripsy, D&C, Tonsillectomy (insured discharged on same day)
- Pre-Hospitalization Expense: Laboratory, X-ray or any other medically necessary diagnostic procedures ordered by a physician (60 days prior to Hospitalization in case of all type of covers)
- Post-Hospitalization Expenses: The medically necessary treatment ordered by a physician and readered (within a time period of the Insured person’s discharge from Hospital or Day Treatment) (90 days after hospitalization in case of all type of covers).
- General Health and Eye Examination: Radiology, Blood Diabetes, Liver, Renal/Kidney, Cardiac Lipid, Phospholids, Lung, Abdomen, Cancer, Optometry, Slit Lamp Examination, Direct Fungus Examination, Indirect Fungus Examination, Color Vision Testing, Prescription of Glasses if necessary.
- Local Ambulance Services; Emergency ambulance road transportation by a licensed ambulance service to the nearest Hospital.
- Hospital Daily Allowance: The Hospital Daily Allowance benefit is payable per day of Hospitalization in India for a limited period per person and policy period.
- Day care Surgeries: Microsurgical operations on the middle ear, other operations on the middle and internal ear, nose and the nasal sinuses, the eyes, the skin and subcutaneous tissues, the mouth and the face, Traumatological surgery and orthopedics, the breast, the digestive tract, the female sexual organs, the male sexual organs, the urinary system. For Applicants aged 45 and above a medical test is mandatory.

When selecting an affordable and cheap health insurance plan, think about the benefits you may need, and what level of protection you feel comfortable with in case the unexpected happens, and be sure the plan you choose includes them.
Buying the best individual health insurance requires some knowledge about health insurance companies and their plans. Most people have never been educated in Insurance. No company will pay benefits not covered in a policy, and the commissioner of insurance will uphold the company’s decision to decline benefits that are not specifically covered.
Health insurance is not very expensive when compared to the cover it gives you.
Swine Flu -Is it covered or not?




The bearded women in those yesteryear circuses never failed to evoke the interest of curious onlookers. Had these women been around today they, possibly, would have lived different lives.
World over people are drooling over ‘size zero’ damsels. Much has been written about their diet fads and their exercise regimes and how they go about making thousands swoon! While they swirl and twirl in their attempt to fascinate the public, and make tons of money in the process, there has been a group of people who have been feeling increasingly alienated—of course I am talking about the chronically obese!
We are as old as we look or, rather, our skin looks .
An Australian study has revealed that there is a definite rise in the number of couples seeking the aid of Artificial Reproductive Technique (ART) to produce children — the real good news is that the number of multiple gestations, resulting from this procedure, has steeply declined.
Actress Suzanne Somers made a recent statement that chemotherapy killed Patrick Swayze.
Lowering one’s blood pressure to reach ‘ normal’ values is known to have little clinical benefit according to Cochrane analysis.
There are over a million alcohol- related deaths each year, world wide. A considerable number of these deaths occur among the young, including students.
Endometriosis is a gynecological disorder that causes irregular, often painful menstrual periods and pelvic pain. It commonly occurs in women in the reproductive age group and is a cause of infertility in them.
Creativity springs from near-desperation it is said. Ransacking the imagination in a near-desperate situation does throw up an inimitable Mickey Mouse every once in a while. But imagine the marriage ceremony of a couple of frogs solemnized by a huge group of people, who then reverently looked heavenwards for rain! That is precisely what the villagers in Padapalli, a drought-hit village in the southern state of TamilNadu did to invoke the rain gods.
Hopes of arriving at a global consensus to tackle the serious challenge of climate change were dashed last week at L’Aquila, Italy, when the developed nations dragged their feet on arriving at concrete short term plans and a definite roadmap to reduce polluting emissions that can cause disastrous global climate change. Instead, the developed nations chose to pass the buck to the developing nations.
Have u come across anyone who is obsessively preoccupied with her dark skin or worried beyond redemption about his ‘larger than normal’ nose?
It may be a boon where the population is exploding but… the distant toll of humanity’s death bell can also be heard!


The bladder shows one example of the mind-body connection: many children lose bladder control when they are afraid, or in periods of stress like when a new brother or sister is born.
Everyone has some risk for mental illness, like everyone has some risk getting a disease. Today, scientists believe that mental illness is at least partly genetic but there are strong social and environmental triggers. So the risk may be higher for one person and lower for another.
Today (July 1) is Doctor’s Day in India, and, in the din of malpractice, side effects, and conflicts of interest, we often forget what a service many nameless doctors do. Look at these statistics:
We have heard of individuals who perennially complain of fatigue. A visit to the doctor does not usually bear fruit as no illness is diagnosed… and the person’s tired state continues.