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Medical expenses are sky high these days, but were never cheap ever.

Even a small treatment or an appointment with a doctor might consume a lot of money. Health insurance is a must as it saves money and covers unexpected calamities. Health insurance comes in handy to meet emergencies of severe ailment or accident. Sometimes it is associated with covering disability and custodial needs. Life is unpredictable, insurance can make it safe and secure from bearing huge loss. Health insurance in India is affordable and carries the assurance and freedom from insecurities that threaten life now and then. Benefits Of Health Insurance Comparison We liaise with the leading health insurance companies in India and buying through us enables analyzing costs and benefits from the pool of health policies matching your requirements and of course not to forget the quality service offered by PolicyBazaar. Applying for health insurance in India with us is not only quick and convenient and cost-effective! No complex forms, some basic details are all we need to fetch you the best health policies covering pre and post hospitalization expenses, day care procedures, critical illness cover, cashless claims and tax benefits. Health insurance comparison will not only help you choose the insurer but the plan that suits you. Mediclaim Policies: Two types of medical insurance plans are there: Individual health insurance policies and Family Floater health insurance Individual health insurance policy - This is the policy where policyholder himself is covered in times of health problems.; Family floater health insurance - This is the policy where sponsor owns the policy and the people covered under it are called its members. You can protect your full family under this mediclaim policy.; Critical illnesses cover: Generally, most of the medical insurance products in India have a critical illness cover, though it comes with a waiting period. Also, when you purchase a comprehensive health insurance policy, there is generally a cap on the amount payable for critical illnesses cover. In a separate critical illness plan, the amount payable is lump sum. The main difference between a critical illness separate plan and a comprehensive plan is that while the first will give you a lump sum payment of your total sum assured in case you get admitted for a critical disease, the latter will pay only the amount spent on the treatment within the sum assured limits.

Tax benefits Under Medical Insurance: Health insurance helps to save tax under section 80(D) of income tax act. This way you get dual benefit with health insurance as you save on tax as well as save on medical expenses. Health Insurance Covers Different health insurer covers different features but here are some common features that are mostly covered in a health policy: Hospital room and boarding charges is covered in many health policy. Ambulance charges are also included in some health policies. Doctor's consultation charges, diagnostic charges, ICU charges & other medical material cost. Chemotherapy, Radiotherapy and Dialysis charges are also included; Pre and post hospitalization charges. Cashless Hospitalization in best hospitals is offered by most of the general Insurers. Along with Health Insurance India Forget about Medical Bills Mediclaim India has taken away medical bills worry from Indians. Now, when you or any of your loved one is ill then you can provide the best medical treatment in the best of hospitals available in your city. Mediclaim policy is a must today and to get the best Mediclaim policy we are there to help you. Medi claim individual plans or Mediclaim family floater plans must be compared from leading health insurance companies in India before you buy them to get the Mediclaim India that suits your requirement

Senior Citizen Health Insurance Senior citizen health insurance is a necessity especially when you are planning to retire and live on pension or interest income from savings. A sudden medical emergency can result in a financial crisis. To avoid this, it is prudent to take a comprehensive senior citizen mediclaim policy. According to the new guidelines by the IRDA, every health insurance provider has to offer coverage to individuals upto 65 years of age. These new guidelines will not only help individuals get coverage at later stages of their life but also will allow them to shift insurers in case they are not satisfied with their current health insurance provider.

These senior citizen health insurance policies have been designed for senior citizens and insurers cover people aged between 65 years and 80 years and are customized to cater to this group of people. The points of senior citizen health insurance comparison can be the max age at renewability, coverage of specific diseases and waiting periods. For example Varistha Medicalim policy covers Hospitalization and Domiciliary Hospitalization Expenses as well as expenses for treatment of Critical Illnesses,if opted for. The critical Illness covered are Coronary Artery Surgery, Cancer, Renal Failure and Stroke. This senior citizen mediclaim policy can be renewed upto 90 years of age. Senior Citizen Health Insurance Plans in India General insurance companies offer medical insurance for senior citizens in India and have niche products to cater to this segment in our society. Some of the senior citizen health insurance plans are Silver Health from Bajaj Allianz, Varistha Mediclaim offered by National Insurance, Red Carpet Health Insurance from Star Health Insurance, Optima Restore from Apollo Munich, Complete from ICICI Lombard and Gold from Max Bupa. These senior citizen mediclaim policy ensure that you are financially protected during your golden years and are able to keep pace with sky rocketing medical costs. What does the senior citizen health insurance plans cover? A senior citizen health insurance plan covers the following: Hospitalization Cover: Expenses incurred as an inpatient after admission of more than 24 hrs. The expenses include room charges, doctor fees, nursing fees, cost of medicine and drugs etc. Day care expenses which arise from use of special equipments or procedures like chemotherapy, dialysis etc. Medical expenses prior and post of hospitalization, the number of days will vary across insurers. Ambulance charges for transporting the insured subject to maximum limit. Pre existing diseases are also cover subject to terms and conditions of the insurer. Senior citizen health insurance comparison can be done online by comparing plans offering

medical insurance for senior citizens in India at policybazaar.com and other health insurance websites. Family Floater
With increasing health care costs in India, health cover for family has become a necessity. A common man always faces a dilemma of choosing the best family floater health insurance plans for himself and his family. Customers today are looking for best products from family health insurance companies for parents as with age the probability of age related illnesses also increases and therefore compare health care plans provided by insurers. Health insurance is available in India in two formats An Individual Health Policy which caters to a separate health insurance policy for each of the family members. And Family Floater Plans wherein the entire family is covered under one plan. The customer has the option to include himself, his spouse, children and parents, thus getting a full family medical insurance coverage. There is one floating sum insured for all the family members and nowadays a lot of family health insurance companies are offering such plans to the consumer. In order to evaluate the best family floater health insurance plans for you and your family you need to keep in mind certain parameters and benefits of family health insurance plans India
Advantages of Family Floater Plans:

Family health insurance plans India give a policyholder an edge by not only making it easy for him to manage one policy but also provide him family medical insurance with the following advantages: a) A family floater policy is also easier to manage than an individual plan. While renewing, you just need to remember a single date, instead of three or four dates in the case of individual plans and get a full health cover for family b) These plans are best health insurance for parents. Most family floater plans provide free health check up for senior citizens. c) In a family floater, it is easy to add a new family member. But, with individual cover, a fresh policy needs to be taken every time there is an addition to the family. In case of the unfortunate demise of the senior-most member of the family, other members of the family can continue with the floater without losing any benefits and health cover for family continues d) Option to include their parents in law with little extra cost, making it the best health insurance for parents of both side of family e) A continuous hassle free coverage without any increase in premium for 2 years. This feature varies

from company to company. f) Income tax benefits under Section 80D. Factors to consider: Family Floater Plans a) Family health insurance plans India are priced always keeping in mind the age of the senior most member of the family they may sometimes become expensive. b) Maximum age for renewability. This varies from company to company. c) A family floater policy carries a rare risk. If a family has a floater plan for a sum assured of Rs 2 lakh, and if the entire family suffers medical emergencies in an accident, for example, then in such a case the cover would be inadequate for the family, as each of them may require Rs 2 lakh for treatment. The individual will then have to shell out money from the pocket for treatment. In such a scenario, an individual cover will score better. d) Family floater mediclaim policy comparison should be done keeping in mind your coverage for pre existing diseases, insurance for maternity and exclusions during the first 30 days of the policy. Family floater mediclaim policy comparison can be done at policybazaar.com for your convenience as quotes from all leading insurers are available in one single platform.

MEDICLAIM

Mediclaim plans are hospitaliation benefit plans that are offered by general and health insurance companies. Mediclaim plans ensure that your medical expenses are expensed, or reimbursed by the insurance company, in case you have to incur those during the coverage period. The best mediclaim policy takes care of medical expenses following hospitalization in case of sudden illness or any surgery.
Benefits of Mediclaim Policy Comparison

Mediclaim policy comparison can be done keeping in mind how you can apply for the benefit under the policy in case of an emergency. Whether you can access cashless facility wherein bills are directly paid by the insurance company to the hospital or can pay your bills in the hospital and get a reimbursement afterwards by submitting the same to the insurance company. Out of the two cashless mediclaim insurance india is of great advantage during medical emergencies. a) Cashless health insurance facility reduces a customers financial burden and helps him recover with peace of mind.

b) It helps customers who do not have immediate liquid money for pay for their hospitalisation expenses. Thus, while you compare mediclaim policy always consider your overall limits under the plan, the depth of coverage and the hospitals so that you avail excellent health care facilities offered by mediclaim insurance companies. The other points to consider while buying best mediclaim policy are following: > Sum Insured: It is the total annual liability under the policy; you should look at a plan that gives you the maximum coverage in your budget. Use the mediclaim premium calculator to calculate your corresponding premium. > Copayment: It means you claim amount will be divided amongst you and your insurance company by a certain percentage. It is wise to check for this option beforehand. > Limits on specific treatments: Insurers put limits on certain specific treatments such as cataract or cardiac treatments. Make sure that you are ok with these limits > Waiting period: Check the policy conditions for the various policies and get a clear picture of the waiting periods of specific diseases. > Hospital room rent and Maternity cover: Keep in mind the upper limits here and see if this covers the costs in the hospital of your choice. Check for various sub-limits. > Empanelled Hospitals: Check if your hospital is empanelled under the insurer. This would make life easier while availing cashless facility. > Day Care Treatments: Compare the list of day care procedures covered and choose the best for you You can compare mediclaim plans offered by mediclaim insurance companies at policy bazaar.com and choose the best mediclaim policy as per your need

Critical Illness
The number of people suffering from critical illnesses such as cancer, heart attack, and stroke is ever increasing. The cost of treatment for such diseases are growing and has become too much to bear and people go bankrupt trying to fund such costs. Its not just the cost of treatment which will pinch your pocket but the out-of-pocket expense that will squeeze your hard-earned savings and would result in a

fanatical race for money arrangement for treatment. Hence it becomes all the more necessary to invest in Critical Illness plans to safeguard yourself from the unexpected financial burden.

Advantages of Critical Illness Plans


a) The best critical Illness policy provides you a lump sum benefit upto 25,00,000 on diagnosis of any of the pre-specified critical illnesses to compensate the financial loss or hardships that arise from your critical illness. b) Critical Illness cover the cost of care and treatment, recuperation aids and help you to maintain the same lifestyle that you had before by funding for a change in lifestyle c) And also you get tax benefit under section 80 D if invested in a critical illness cover d) Renewal Bonus: For every No claim bonus (NCB) insurance company entitles you to increase the sum insured by 5%, up to a maximum accumulation for 10 claim-free years. e) Medical test: Does not require the medical test upto a certain age limit. Critical Illnesses covered in Critical Illness insurance India Depending upon company to company critical illness plans cover broadly the following diseases: Cancer, Kidney failure, Organ transplant, Multiple sclerosis, Major burns, Coronary artery surgery, Coma, Arota graft surgery, First heart attack, Heart attack, Coronary artery bypass surgery, Paralysis, Primary pulmonary arterial hypertension and Stroke. Companies offering Critical Illness Plans Critical illness cover is provided by general insurance companies such as Bajaj Allianz, ICICI Lombard, HDFC Ergo, Max Bupa, Apollo Munich as individual policies whereas life insurers provide it as a critical Illness rider attached to the life insurance policy. Before buying a critical illness rider or cover from a life or non-life insurer, you should look at the illnesses covered by the policy. Buy the best critical illness policy that covers the maximum number of frequently occurring illnesses that run in your family. Remember critical illness plans are year-on-year contracts - which means that the insurer might refuse to renew your policy as you grow older and more infirm. Critical illness insurance comparison can be done at policybaaar.com which will help you to zero down on best plans related to critical illness insurance India.

MEDICLAIM POLICY INFORMATION What is covered in your Standard Mediclaim Policy & what is excluded? Insurance policy is for the protection of the insured against unforseen circumstances, which in mediclaim covers hospitalisation for illness / injury / diseases as well as for certain benefits. Listed below are one benefit - Domiciliary hospitalisation. Also mentioned below is the list of Standard Exclusions (that is not covered) of a Standard Mediclaim Policy. Please note, this is only an extract of the standard policy. All terms and conditions as per the policy document issued to you by your insuing Insurance Company is final for all purposes. Domiciliary hospitalisation benefit Domiciliary hospitalisation means medical treatment for a period exceeding three days for such illness/disease/injury which in the normal course would require care and treatment at a hospital/nursing home but actually taken whilst confined at home in india under any of the following circumstances namely:

The condition of the patient is such that he/she cannot be removed to the hospital/nursing home The patient cannot be removed to the hospital/nursing home for lack of accommodation therein

Subject however that domiciliary hospitalisation benefits shall not cover:

Expenses incurred for pre and post hospital treatment and expenses incurred for treatment for any of the following diseases

Asthma Bronchitis Chronic Nephritis and Nephrotic Syndrome Diarrhoea and all type of Dysenteries including Gastroenteritis Diabetes Mellitus and Insipidus Epilepsy Hypertension Influenza, Cough and Cold All Psychiatric or Psychosomatic Disorders Pyrexia of unknown origin for less than 10 days Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis Arthritis, Gout and Rheumatism

Note: When treatment such as Dialysis, Chemotherapy, Radiotherapy etc, if taken in the hospital /Nursing home and the insured is discharged on the same day, treatment will be considered to be taken under Hospitalisation Benefits section. More so fully explained under your policy terms and conditions.

STANDARD EXCLUSIONS Unless the policy under which you are covered provides otherwise, this insurance policy will not pay any claims arising from: 1. All diseases/ injuries which are pre existing when the cover incepts for the first time. 2. Any disease other than those stated in the third exclusion below contracted by the insured person during the first 30 days from the commencement date of the policy. This exclusion shall not however apply if in the opinion of the Panel of Medical Practitioners constituted by the Company for this purpose, the insured person could not have known of the existence of the disease or any symptoms or complaints thereof at the time of making the proposal for insurance to the Insurance company. This condition shall not however apply in case of the insured person having been covered under this scheme or group insurance with any of the India Insurance companies for a continuous period of preceding 12 months without any break. 3. During the first year of the operation of Insurance cover, the expenses on treatment of disease such as Cataract, Benign Prostate Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital internal disease/defect, Fistula in anus, piles, Sinusitis and related disorders are not payable. If these diseases (other than congenital internal diseases/defect) are pre existing at the time of proposal they will not be covered even during subsequent period of renewal. If insured is aware of the existence of congenital internal diseases/defect before inception of policy it will be treated as pre-existing. 4. Injury or disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign enemy, war like operations (whether war be declared or not). 5. Circumcision unless for treatment of a disease not excluded hereunder or as may be necessitated due to an accident, vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness. 6. Cost of spectacles and contact lenses, hearing aids.

7. Any dental treatment or surgery which is a corrective, cosmetic or aesthetic procedure, including wear and tear, unless arising from disease or injury and which requires hospitalisation for treatment. 8. Convalescence, general debility, "Run-down" condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self-injury and use of intoxicating drugs/ alcohol. 9. All expenses arising out of condition directly or indirectly caused to or associated with human T cell lymphotropic virus type III (HTLB III) or lymphadinopathy associated virus (LAV) or the mutants derivative or variations deficiency syndrome or any syndrome or condition of a similar kind commonly referred to as "AIDS". 10. Charges incurred at hospital or nursing home primarily for diagnostic, X-Ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any ailment, sickness or injury for which confinement is required at a hospital/ nursing home. 11. Expenses on vitamins or tonics unless forming part of treatment for injury or disease as certified by the attending physician. 12. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons or materials 13. Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion or complications of any of this, including caesarian section. 14. Naturopathy treatment. Please note, the above are Standard exclusions only. Please contact the local TTK office or your Insurance Agent/Company for details on Specific exclusions along with your policy copy.

EXPENSES THAT ARE NOT PAYABLE


SL NO 1 2 3 4 5 6 7 DESCRIPTION of Medical / Non-Medical Billing heads AMBULANCE CHARGES HOSPITAL REGISTRATION CHARGES HOSPITAL CERTIFICATE CHARGES HOSPITAL MEDICAL REPORT/CD/CASSETTE CHARGES XEROX CHARGES TELEPHONE CHARGES/FAX CHARGES E-MAIL/INTERNET CHARGES

8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

FOOD & BEVERAGES CHARGES FOR ATTENDENTS/VISITORS PRIVATE NURSES CHARGES DURING HOSPITALISATION PRIVATE NURSES CHARGES DURING PRE & POST HOSPITALISATION PERIOD ATTENDENTS / AYAHS CHARGES TELEVISION CHARGES DOCUMENTATION CHARGES UNEXPLAINED MISCELLANEOUS CHARGES BARBER CHARGES LUXURY TAX MORTURY CHARGES EXTRA CHARGES FOR BED FOR ATTENDENT / DUAL BED CHARGES ADDITIONAL ROOM CHARGES FOR ATTENDENTS CAMERA/CD/VIEDO CHARGES DONER SCREENING CHARGES ENTRANCE CHARGES WASHING/LAUNDRY/DHOBI CHARGES ATTENDANCE CHARGES IN THE HOSPITAL FOR THE FAMILY DOCTORS INVESTIGATION & TREMENT CHARGES FOR AILMENTS/DEFECTS PREEXISTING CPAP MACHINE BIPAP MACHINE SPECTACLES CONTACT LENSES HEARING AIDS ONE-TOUCH STRIP(DM) AMBULATORY DEVICES LIKE CRUTCHES/WALKERS WHEEL CHAIR

25 26 27 28 29 30 31 32 33

34 35 36 37 38 39 40 41 42 43 44 45

SPINT BRACES SLINGS SPIROMETER COSY SHEETS WARMING BLANKETS THERMOMETER BED PAN URINE CAN TRACTION KIT/ WEIGHTS WEIGHING SCALE WATER BED / ALFA BED TOILERY ITEMS LIKE DETTOL/SAVLON/ MOUTH-WASH/SOAP/ EU DE COLOGNE AIR FRESHNERS/ MOSQUITO REPELLANTS/ DISINFECTANTS BELTS- ABDOMINAL/COLLAR LINEN CHARGES IN OT FILTER CHARGES IN OT ANY MEDICAL EQUIPMENT WHICH IS USED SUBSEQUENTLY AT HOME CREPE BANDAGE GLUCON D ENEMA PRE & POST MEDICAL EXPENSES HORLICKS / BOOST (BEVERAGES) GLUCOMETER UROMETER UNDERPADS

46 47 48 49 50 51 52 53 54 55 56 57 58 59

60 61 62 63 64 65 66 67 68 69 70

BAND AID SCRUBING CHARGES CRADLE CHARGES DIET CHRGES / DIETICIAN CHARGES MINERAL WATER PLASTER (DYNA) EYE SHIELD / EYE CUP / EYE PATCH IMMUNIZATION (VACCINATION )CHARGES NEBULIZER KIT KOOCHI'S / DYPERS / SANITORY PADS / TISSUE PAPERS VISITOR'S PASS CHARGES / TOOTH PASTE/ POWER/ SHAVING SET etc

All the above charges to be paid by the patient

This is an exhaustive list of non-payable items but cannot be considered complete or include everything. In case of any uncertainty, please collect the amount from the patient before discharge

HOSPITAL STAY of 24 hours NOT MANDATORY for Insurance Patients in all cases where technological advances allow faster recovery and make it safe to send patient home after a few hours. Such procedures as listed below:

Day Care Surgeries Payable By Insurance With Less Than 24 hrs Hospitalizations

Operation on the Ears MICROSURGICAL OPERATIONS ON THE MIDDLE EAR Stapedotomy Stapedotomy Revision of a Stapedotomy Other operations on the auditory ossicles Myringoplasty(Type 1 tympanoplasty) Closure of an eardrum perforation and reconstruction of the auditory of a tympanoplasty) Revision of a tympanoplasty Other microsurgical operations on the middle ear

OTHER OPERATIONS ON MIDDLE AND INTERNAL EAR Paracentesis(myringotomy) removal of a tympanic drain incision of the mastoid process & middle ear Mastoidectomy reconstruction of middle ear other excision of middle ear & inner ear Fenestration of the inner ear

revision of fenestration of the inner ear incision & destruction (elimination) of the inner ear other operation on middle & inner ear

OPERATION ON THE NOSE & THE NASAL SINUSES Excision & destruction of diseased tissue of the nose Operation on the turbinate ( nasal concha) Other operation on the nose Nasal sinus aspiration

OPERATION ON THE EYES Incision of tear glands Other operation on the tear ducts Incision of diseased eyelids Excision & destruction of diseased tissue of the eyelids Operation on the canthus & epicanthuss Corrective surgery for entropies & ectropion Corrective surgery for blepharaptosis Removal of a foreign body from the cornea Incision of the cornea Operation for pterygium Other operations on the cornea Removal of a foreign body from the lens of the eye Removal of a foreign body from the posterior chamber of the eye Operation for Glaucoma Operation of cataract with IOL

TRAUMATOLOGICAL SURGERY AND ORTHOPAEDICS Incision on bone, septic & aseptic Closed reduction and internal fixation on fracture Suture and other operations on tendons and sheath Reduction of dislocation under GA Arthroscopic knee aspiration

OPERATION ON THE BREAST Incision of the breast abscess Operation on the nipple

OPERATION ON THE DIGESTIVE TRACT Incision & excision of tissue in the perianal region Surgical treatment of hemorrhoids Dilation of the anal sphincter ( spinterectomy) Other operations on the anus Ultrasound guided aspirations Sclerotherapy etc

OPERATIONS ON THE FEMALE SEXUAL ORGANS Incision of the ovary Intubation of the Fallopian tubes Other operations on the Fallopian tube Dilation of the cervical canal Contraction of the uterine cervix Other operations on the uterine cervix Incision of the uterus (hysterectomy)

Therapeutic curettage culdotomy Incision of the vagina Local excision and destruction of diseased tissue of the vagina Douglas Incision of the vulva Operations on the Bartholin glands (cyst)

OPERATIONS ON THE MALE SEXUAL ORGANS OPERATIONS ON THE PROSTATE AND SEMINAL VESICLES Incision of the prostate Transurethral excision and destruction of prostate tissue Transurethral and percutaneous destruction of prostate tissue Open surgical excision and destruction of prostate tissue Radical prostate vasiculectomy Other excision and destruction of prostate tissue Operations on the seminal vesicles Incision and excision of peri prostate tissue Other operations on the prostate

OPERATIONS ON THE SCROTUM AND TUNICA VAGINALIS TESTIS Incision of the scrotum and tunica Operation on a testicular hydrocele Excision and destruction of diseased scrotal tissue Plastic reconstruction of the scrotum and tunica Other operations on the scrotum and tunics

OPERATIONS ON THE TESTES Incision of the testis Excision and destruction of diseased tissue of the testis Unilateral orchidectomy Bilateral orchidectomy Orchidopexy Abdominal exploration in crypto orchidism Surgical repositioning of an abdominal testis Reconstruction of the testis Implantation, exchange and removal of a testicular prosthesis Other operations on the testis

OPERATIONS ON THE SPERMATIC CORD, EPIDIDYMIS AND DECTUS DEFERENS Superficial treatment of a varicocele and a hydrocele of the Spermatic cord Excision in the area of the epididymis Epididymectomy Reconstruction of the spermatic cord Reconstruction of the ductus deferens and epididymis Other operations on the spermatic cord, epididymis and ductus Deference

OPERATIONS ON THE PENIS Operations on the foreskin Local excision and destruction of diseased tissue of the penis Amputation of the penis Plastic reconstruction of the penis Other operations on the penis

OPERATIONS ON THE URINARY SYSTEM Cystoscopical removal of stones

OTHER OPERATIONS & PROCEDURES Lithotripsy, Diaysis, Raditherapy, Chemotherapy Coronary angiography

OPERATIONS ON THE SKIN & SUBCUTANEOUS TISSUES Incision of a pilonidal sinus incisions of the skin & subcutaneous tissues wound debridment & removal of diseased tissue of the skin & subcutaneous tissues local excision of diseased tissue of the skin & subcutaneous tissue Simple restoration of surface continuity of the skin & subcutaneous tissues Free skin transplantation, donor site Free skin transplantation, recipient site revision of skin plasty Other restoration & reconstruction of the skin & subcutaneous tissues Chemosurgery to the skin Destruction of diseased tissue in the skin & subcutaneous tissues

OPERATIONS TO THE TONGUE Incision, excision & destruction of diseased tissue of the tongue Reconstruction of the tongue Other operations on the rouge Partial glossectomy

ERATIONS ON THE SALIVARY GLANDS & SALIVARY DUCTS Incision & lancing of a salivary gland & a salivary duct

Excision of diseased tissue of a salivary gland & a salivary duct Resection of a salivary gland Reconstruction of a salivary gland & a salivary duct Other operations on the salivary gland & a salivary duct

OTHER OPERATION ON THE MOUTH & FACE External incision & drainage in the region of the mouth ,jaw & face Incision of the hard & soft palate Excision & destruction of diseased hard & soft palate Incision , Excision & destruction in the mouth Plastic surgery to the floor of the mouth Palatoplasty

OPERATIONS ON THE TONSILS & ADENOIDS Trans oral incision & drainage of a pharyngeal abcess Tonsillectomy without adenoidectomy Tonsillectomy with adenoidectomy Excision & destruction of the lingual tonsils

** Kindly Note that All treatment Possible on Out Patient Basis cannot be converted to Inpatient treatment with a 24 hour admission for the purpose of claiming from Insurance

IMPORTANT

1. PLEASE NOTE THAT SIMPLE PROCEDURES USUALLY DONE AS OUT PATIENT TREATMENT ARE NOT PAYABLE BY INSURANCE EVEN IF CONVERTED TO DAY CARE SURGERY.

2. MATERNITY RELATED HOSPITALISATION, TUBECTOMY, VASECTOMY, INFERTILITY TREATMENT AND MTP ARE NOT PAYABLE BY INSURANCE

3. ANY HOSPITALISATION FOR TREATMENT OF AN AILMENT RELATED TO DRUG OR ALCOHOL ABUSE AND AIDS OR HIV STATUS ARE NEVER PAYABLE BY INSURANCE.