Shikhar Insurance Co. Ltd.

Health Insurance

Shikhar Insurance Company Ltd. (SICL) is an established General Insurance Company promoted by a young team of reputed Industrial and Business Houses involved in various fields like Aviation, Banking, Manufacturing, Trading, Travel Trade, Media Houses etc.

Health Insurance covers a whole range of expenses and offers Cashless Treatments in 28 listed hospitals in Nepal and over 4,000 hospitals all over India. In case the hospital is a part of the provider network, cashless facility will be granted otherwise, reimbursement facilities will be applicable. It can be taken by individuals, couples, family and corporate employees.

The benefits of this insurance are:

In-Patient Treatment
150 Day Care Procedures/Treatments
From 30 Days Pre-Hospitalization Medical Expenses
To 60 Days Post–Hospitalization Expenses

In-Patient Treatment (Hospitalization)

Covers hospitalization expenses incurred as an in-patient in a Hospital which will include:

Room, Boarding and Operation Theatre charges
Fees of Surgeon, Anesthetist, Nurses, Specialists
The cost of diagnostic tests, medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs etc.

In-Patient Treatment requires a hospitalization for a minimum period of 24 hours.

2. Day Care Procedures/Treatments (Hospitalization less than 24 hrs.)

Due to advancement of technology, hospitalization expenses for certain treatments / diseases (150 daycare surgeries ) are also covered, even though the hospitalization is for less than 24 hours.

3. Pre-Hospitalization and Post-Hospitalization Expenses

Pre-hospitalization Medical Expenses incurred by Insured for a 30-day period immediately prior to Hospitalization
Post-hospitalization Medical Expenses incurred by Insured for a 60-day period immediately post Hospitalization.

Exclusions

Permanent Exclusions
4 Years for Pre Existing Diseases
2 Years Waiting Period for Certain Treatment
Medical Expenses Incurred Within 30 Days of Inception of the Policy
Non medicalexpenses (i.e Sanitary napkins, towels, Tooth brush, Birth Certificate, Thermometer e.t.c)
Ambulance Charges
Higher Category room (i.e. suites however this does not apply to single standard AC room/ Cabin)