Senior Citizen’s ‘BAHUMANA’ Insurance

1.1 Personal Accident Benefits

1.1.1 Accidental Death or Permanent Total/Partial Disablement

This section covers personal accident benefits. If, within 90 days of an accident, it is proven to us that the Policyholder’s death or Permanent Total/Partial Disablement was solely and directly caused by that accident, we will provide compensation as stated in the Policy’s terms and conditions. Please note that for the same accident, you cannot claim more than one benefit available under this section.

1.1.2 Hospitalization due to Accidental Injury

If you are admitted to a hospital due to an accidental injury, we pay the eligible expenses as stated in the Policy Schedule. This includes charges such as admission fees, room and intensive care charges, administrative costs, and various medical expenses. We also cover surgeon’s, anesthetist’s, and consultant’s fees, as well as specialist services like X-rays and physiotherapy. All of this is subject to the terms and conditions mentioned in your policy.

1.1.3 Mobility Assistance Cover

We provide financial assistance to buy a wheelchair, crutches, or an artificial limb if a consultant physician recommends it for a period of six months or more due to an accident that happened during the Policy period. You are not entitled to claim more than once for the same accident.

1.2 Medical and Surgical Supportive Benefits

If any or more of the following events take place, we are not liable to pay expenses that arises directly or indirectly.

1.2.1 Drugs and Diagnostic Investigation Benefit

We cover the expenses for drugs and diagnostic tests, including scans and X-rays, incurred during your stay in an approved hospital due to illness or sickness.

1.2.2 Hospital Cash Benefits

We provide a daily allowance if you are hospitalized in a registered private or government medical institution for up to 30 days due to illness or sickness.

1.3 Funeral Expenses Benefits

In the unfortunate event of death, we offer a lump sum payment irrespective of the cause. Please be aware that certain age limits defined in the Policy are applicable.

Specific Exclusions Applicable to Medical and Surgical Supportive Benefits:

If any or more of the following events take place, we are not liable to pay expenses that arises directly or indirectly.