Common use of Benefits under the Policy Clause in Contracts

Benefits under the Policy. The Benefits available under this Policy are described below. The Benefits will be available to the Insured Person, only if that particular benefit is specifically mentioned in the Policy Schedule/ Certificate Of Insurance, subject to a) availability of Sum Insured b) the terms, conditions and exclusions of this Policy c) Sub-limits/ Deductible/ Co-payment, if any Our maximum, total and cumulative liability in respect of an Insured Person for all Claims arising under a Benefit during the Period of Insurance shall not exceed the benefit amount specified against the applicable Benefit in the Policy Schedule/Certificate of Insurance and subject to the availability of the Sum Insured of the respective Benefit. Sum Insured specified for Benefits opted under same Section can be applicable individually to that Benefit or as a sub-limit to a specified Benefit Sum Insured as mentioned in the Policy Schedule/ Certificate of Insurance. Company’s liability shall not exceed the Sum Insured or sub limit as specified against the Benefit/ Section in the Policy Schedule/ Certificate of Insurance. Each Claim in respect of an Insured Person shall be payable subject to any applicable Deductible or Co-payment as specified against that Benefit in the Policy Schedule/Certificate of Insurance or as opted and in force. Claims made under this Policy will be paid on reimbursement basis only unless specifically approved by Us or Our Assistance Service Provider or as may be specifically provided for in the subsequent sections. If the Geographical Scope specified in the Policy Schedule/Certificate of Insurance is out of India, Country of Residence is to be considered and if the Geographical Scope specified in the Policy Schedule/Certificate of Insurance is restricted to India, City of Residence is to be considered. Coverage shall be restricted to the Geographical Scope in force for the Insured Person. The Policy Schedule/ Certificate of Insurance will specify the currency in which claims under the Benefit will be made.