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Official Policy Wording Viewer (POL-06.T2)

Kavach Standard Individual Health

Code: KV-H1-STD-IND · Wording Version: v1.0.0 · Effective: 2026-11-01

§-1

Section 1: Operating Clause & Policy Scope

[DEMO]

1.1 The Company hereby agrees, subject to the terms, conditions, exclusions and definitions contained herein, to indemnify the Insured Person for medically necessary hospitalisation expenses up to the Sum Insured of ₹5,00,000.

1.2 Coverage applies across India during the Period of Insurance specified in the Schedule.

§-2-1

Section 2.1: Room Rent and Boarding Expenses

[MKT]

2.1.1 Daily room boarding and nursing expenses are payable up to 2% of the Sum Insured per day, subject to a maximum of ₹5,000 per day.

2.1.2 If the Insured occupies a room with a tariff higher than the eligible limit, the Insured shall bear a proportionate share of all associated medical expenses.

§-2-2

Section 2.2: Intensive Care Unit (ICU) Expenses

[REG]

2.2.1 Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses are payable up to 5% of the Sum Insured per day, subject to a maximum of ₹10,000 per day.

§-2-3

Section 2.3: Pre- and Post-Hospitalisation Medical Expenses

[REG]

2.3.1 Pre-Hospitalisation medical expenses incurred up to 30 days immediately preceding the date of hospitalisation are covered.

2.3.2 Post-Hospitalisation medical expenses incurred up to 60 days immediately following the date of discharge are covered.

§-3-1

Section 3.1: Pre-Existing Diseases (PED) Waiting Period

[REG]

3.1.1 Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the inception date.

§-4-1

Section 4.1: Claims Notification and Intimation

[REG]

4.1.1 Emergency Hospitalisation: Notice with full particulars must be given to the Company/TPA within 48 hours of admission.

4.1.2 Planned Hospitalisation: Notice must be delivered at least 72 hours prior to scheduled admission.

§-6-1

Section 6.1: Grievance Redressal and Insurance Ombudsman

[REG]

6.1.1 In case of grievance, the Insured may contact the Insurer's Grievance Redressal Officer at grievance@kavach-demo.in.

6.1.2 If unresolved within 30 days, dispute may be referred to the Insurance Ombudsman under the Insurance Ombudsman Rules, 2017.