The proposal form in a personal accident policy elicits information related to personal details, physical condition, habits and pastimes.
Health insurance policy provides for reimbursement of hospitalisation / domiciliary hospitalisation expenses for illness / disease suffered or accidental injury sustained during the policy period.
The normal exclusions under health policies include pre-existing diseases, expenses on treatment of diseases such as Cataract, war and kindred perils etc.
The insured shall be entitled to reimbursement of medical check up once in every four underwriting years subject to no claim preferred during this period.
The sum insured normally available varies from Rs.50000/- up to a maximum of Rs.500000/- Many Companies now grant cover upto a SI of Rs.10 lacs.
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