Hospitalization Medical Aid Insurance Policy

NLG Insurance Company Ltd. offers health insurance coverage designed to provide financial protection against eligible medical expenses arising from hospitalization and specified medical treatments. The coverage is subject to the applicable Sum Insured, terms, conditions, exclusions, and waiting periods of the policy.

Key Benefits & Coverage:

• In-Patient Treatment: Covers eligible medical expenses for hospitalization on the advice of a medical practitioner, subject to the Sum Insured.

• Day Care Treatment: Covers eligible procedures requiring hospitalization for less than 24 hours, subject to policy terms and the approved list of day-care procedures.

• Pre & Post-Hospitalization: Covers eligible medical expenses incurred 30 days before and 60 days after hospitalization, provided the related hospitalization claim is admissible.

• Floater Cover: The Sum Insured can be utilized collectively by the insured, spouse, and up to three dependent children up to 21 years, subject to the policy terms.

• Domiciliary Treatment: Available where opted for under the policy, subject to applicable conditions, including the required hospitalization period.

• Waiting Periods: Pre-existing conditions are generally covered after 48 months of continuous coverage. Certain specified illnesses have a 2-year waiting period.

• Cataract Treatment: After the applicable waiting period, coverage is limited to NRs. 20,000 per eye per year, subject to policy terms.

• Key Exclusions/Restrictions: Coverage is subject to the policy's terms, conditions, exclusions, waiting periods, and applicable Sum Insured limits.