Vision and Dental Expenses including external aids / supportives

Cost of spectacles, contact lenses, hearing aids

External supporting kits such as spectacles and contact lenses for long-sightedness and/or short sightedness are not reimbursable by Insurance.

In the same manner, hearing aids for deafness or partial deafness on account of old age or trauma does not qualify for reimbursement of Insurance.

Similarly crutches, knee-caps, neck collar, knee braces, abdominal belt etc. being external supportive/treatment aids are not eligible for reimbursement of claim.

Dental treatment or surgery of any kind unless necessitated by accident and requiring hospitalization.

Dental treatment is not payable under normal circumstances by Insurance. Just admitting a patient for dental treatment/surgery without proper justification does not qualify for medical reimbursement.

Dental treatments undertaken in connection to Road Traffic Accidents (RTA) only, may be reimbursable by Insurance, but that too, depends on an independent case study. Having suffered from a RTA with no injury signs on the face of an individual does not become eligible for reimbursement of the amount on dental treatment. Simply collecting dental surgeon’s consultation fees is liable for deduction in claim amount.

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ila_upadhya

what are ENT daycare procedures?

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rajmiba2001

Hi, My father [Age-62yr] underwent Cardiac by-pass surgery in 2006 and after that he undergoes annual cardiac check-up every year. He is in good health now. I want to take a Mediclaim policy for him which covers him for any possible future hospitalization (for all generally covered diseases including his pre-existing condition). Please recommend me good options which is also not very expensive.

sameerbh

Hi, I reside in a Metro city and my child is admitted in a Child Care Centre / Nursing Home last night due to illness last night. However the Nursing Home is a small one and has 5-6 beds only. But it is registered one under the regulatory authorities. I seek clarification on below: "HOSPITAL/NURSING HOME: means any institution in India established for indoor care and treatment of sickness and injuries and which either Is duly licensed and registered as a Hospital or Nursing Home with the appropriate authorities and is under the supervision of a registered and qualified Medical Practitioner. OR In areas where licensing and registration facilities with appropriate authorities are not available, the institution must be one recognised in locality as Hospital / Nursing Home andshould comply with minimum criteria as under: [1] It should have at least 15 in-patient medical beds in case of Metro cities, A Class cities......................." Will I be able to claim for reimbursement? Regards, Sameer

VinodLudhiana

My Wife was Pregnant and was in 9th month. All was normal but one night we finish our dinner and went to our bed. But suddenly at midnight my wife found Heavy Bleeding. We immediately run for our Doctor treating her. She refer us to one of the Big n Best Hospital of our city. The problem raised is called Ante partrue Hemarhage [APH] according to Doctor. As due to heavy bleeding my wife was almost in shock. And to save the life of both (Baby n Mother) a Emergency LSCS was done. A baby born via Cesarean. So, I submit a file for claim against my Medical Policy with United India Insurance Co. but that was rejected by saying "Treatment arising from or traceable to Pregnancy (including Caesarean) not covored. But as per me, as My Wife have no Labour Pain nor the whole process was done because of or for Delivery. So, kindly guide me for the same. Should I go to Insurance Ombudsman???

bchandra

I am 26 years old and I would like to undergo Lasik Operation. My sight is -7 in both eyes. Can I get free operation in Hospitals?