Call Us Free: 1800.577.770
Normal, Usual and Customary Charges means a reasonable charge, which is (a) usual and customary when compared with the charges made for similar services and supplies in the locality of the Insured Person
(b) made to persons having similar medical conditions in the locality of the Insured Person.
North America means Canada, United States of America, Mexico and the Caribbean Islands.
Optional Benefit means a benefit included in this policy document which is included at the option of the Policyholder with the agreement of the Company and in respect of which the relevant rider is attached to this policy document and which is described as an affirmed benefit and for which additional ...
Period of Insurance means the period stated on the Policy Schedule to be the period of insurance or subsequently any renewal thereof during which the policy is in effect.
Permanent Total Disablement means disablement which entirely prevents the Insured Person from attending to his business or occupation of any and every kind and which lasts 52 consecutive weeks and at the expiry of that period is beyond hope of improvement.
Persistent Vegetative Statea) a severe decrease of consciousness in which an Insured Person with neurologic damage is in a state of partial arousal rather than true awareness, though superficial signs such as eye opening, swallowing and spontaneous breathing and the like may persist
b) the state must have continued for at least ...
Physician means a person qualified by degree and licensed or registered to practice medicine under the relevant laws and regulations of the country in which he practices.
Policy means this policy document and includes the Application, the Policy Schedule, the Benefits Schedule and the Surgical Schedule and any Optional Benefits included in this policy document with the relevant rider attached to this policy document and any endorsements, amendments or riders thereto which have been approved by an ...
Policy Effective Date means 12:00 midnight (local time in the Country of Residence) on the first day of the Period of Insurance.
Policy Schedule means the policy schedule attached to this Policy.
Policy Year means a calendar year commencing on the Policy Effective Date or any anniversary of that date.
Policyholder means the person named in the Policy Schedule as the Policyholder and to whom this Policy has been issued in respect of insurance of the Insured Persons.
Pre-existing Condition(a) which existed before the Policy Effective Date of Insurance with respect to the Insured Person, and the natural history of such illness can be clinically determined to have started upon processing of this application prior to the Policy Effective Date of coverage, whether or not the Insured Person was ...
Professional Fees means the fees payable to licensed medical professionals such as occupational therapist, physiotherapist, acupuncturist, dietician, Attending Physician (except Surgeon), a pathologist and radiologist.
Public Conveyance means all public common carrier such as multi-engined aircrafts, buses, trains, ships, hovercrafts, ferries, and taxis that are licensed to carry fare paying passengers and coach being arranged by travel agency and is not a contractor or private carrier.
Public Place means any publicly accessible location (such as car park, street, park, environmental area, bus station, airport, sports stadium or shopping centre) including public transportation of any kind or any other similar place or location.
Rehabilitation means treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event which required inpatient treatment.
Renewal Date means the date specified in the Policy Schedule to be the renewal date.
Special Diseases means hemorrhoids, varicose veins, sinusitis, diabetes, all types of hepatitis. 
Specialist means a Physician who specializes in one particular area of medicine.