Shikhar Insurance Co. Ltd.

Health Insurance

Health Insurance covers a whole range of expenses and offers Cashless Treatments in 28 listed hospitals in Nepal and over 5,800 hospitals all over India. In case the hospital is a part of the provider network, a cashless facility will be granted otherwise, reimbursement facilities will be applicable. It can be taken by individuals, couples, families, and corporate employees.

The benefits of this insurance are:

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

1. 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 pacemakers, artificial limbs and organs, etc.

Conditions:

In-Patient Treatment requires hospitalization for a minimum period of 24 hours and an Intravenous (IV) should be open.
And more.

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

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

Conditions:

Should be Operation Theatre (OT) treatment.
And more.

Some of the treatments covered are:

Cardiac catheterization
Cataract
Oral Chemotherapy
Dialysis
Dilation and Curettage
Eye Surgery
Hernia Repair
Lithotripsy (Kidney Stone)
Radiotherapy
Tonsillectomy, and many more.

3. Pre-Hospitalization and Post-Hospitalization Expenses

Pre-hospitalization Medical Expenses incurred by the Insured for a 30-day period immediately prior to Hospitalization
Post-hospitalization Medical Expenses incurred by the 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-medical expenses (i.e. Sanitary napkins, towels, toothbrush, birth certificate, thermometer, etc.)
Ambulance Charges
Higher Category Room (i.e. suites, however, this does not apply to single standard AC Room/ Cabin)

Issued Date: 2013-07-19