Guidelines on Covid Standard Health Policy

~ -A-... " " • .p,_,_,.., ~ 0 'lffiolq ~II-ii lcll..Ji.114cfi 3ffi 1qq,1t1 ).IIIUcR'UT cnm INSURANCE REGULATORY AND irJai DEVELOPMENT AUTHORITY OF INDIA Ref: IRDAI/HL T/REG/CIR/163 /06/2020 26th June, 2020 Guidelines on Individual Covid Standard Health Policy SI.No 1. 2. 3. 4. INDEX Item Page No. Guidelines on Covid Standard Health Policy 2-8 Annexure-1 :Policy Terms and Conditions of the Covid Standard 9-27 Health Policy Annexure-2: Format for Customer Information Sheet Annexure-3: Form for filing the Covid Standard Health Policy Sy no 115/1 , Financial District, Nanakramguda, Hyderabad 500 032 www.irda.gov.in 28-29 30-40 Page 1 of 40 To All General and Health Insurers {except ECGC & AIC) Guidelines on Covid Standard Health Policy A. Preamble: 1. In view of the global pandemic Covid 19, the Authority has decided to mandate all general and health insurers to offer Individual Covid Standard Health Policy with the following objectives: • To have a Covid specific product addressing basic health insurance needs of insuring public related to Covid. • To have a standard product with common policy wordings across the industry 2. Towards this, the following Guidelines on Covid Standard Health Policy are issued under the provisions of Section 34 (1) (a) of Insurance Act, 1938. 3. All general and health insurers shall offer the Covid Standard Health Policy by duly complying with the following guidelines. 4. The Covid Standard Health Policy shall have One Basic mandatory cover as specified in these Guidelines which shall be uniform across all General and Health Insurers. 5. One Optional Cover specified in these Guidelines, shall be offered along with the Covid Standard Health Policy within the sum insured. The total amount payable in respect of Covers B (I) (11) (12) (13) (14) (15) and B(II) (18) shall not exceed 100% of the Sum Insured during a policy period. The premium payable towards this Optional Cover shall be specified separately so as to enable policyholders to choose and pay based on the need. 6. The insurer may determine the price keeping in view the covers proposed to be offered subject to complying with the norms specified in the IRDAI (Health Insurance) Regulations, 2016 and Guidelines notified there under. 7. The Base Cover of Covid Standard Health Policy shall be offered on Indemnity basis whereas Optional Cover shall be made available on Benefit Basis. 8. The Covid Standard Health Policy shall offer a policy tenure of three and half months (3 ½ months), six and half months (6 ½ months), and nine and half months (9 ½ months) including waiting period. 9. Every General and Standalone Health Insurer, who has been issued a Certificate of Registration to transact General and/or Health Insurance Business, shall 2 mandatorily offer this product. However, if any insurer is currently not offering health insurance products at all, the above stipulation will not apply to those. 10. The Covid Standard Health Policy shall comply with all the provisions of Insurance Regulatory and Development Authority of India (IRDAI) (Health Insurance) Regulations, 2016, all other applicable Regulations, Guidelines on Standardization in Health Insurance (Ref: IRDA/HLT/REG/CIR/146/07/2016) dated 29th July, 2016, Guidelines on Product Filing in Health Insurance Business (Ref: IRDA/HL T/REG/CIR/150/07/2016) dated 29th July, 2016, Guidelines on Standardization of Exclusions in Health Insurance Contracts (Ref: IRDAI/HL T/REG/CIR/177/09/2019) dated 27thSeptember, 2019 and other applicable Guidelines as amended from time to time. B. Construct of Covid Standard Health Policy: The Covid Standard Health Policy shall offer the following: I. Base cover: 11. COVID Hospitalization Expenses: The Hospitalization expenses incurred by the insured person for the treatment of Covid on Positive diagnosis of Covid in a government authorized diagnostic centre. This section shall cover the following: a) Room, Boarding, Nursing Expenses as provided by the Hospital/ Nursing Home. b) Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees (including consultation through telemedicine as per Telemedicine Practice Guideline of 25th March 2020) whether paid directly to the treating doctor / surgeon or to the hospital. c) Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such other similar expenses (Expenses on Hospitalization for a minimum period of 24 hours are admissible.) d) Intensive Care Unit (ICU)/ Intensive Cardiac Care Unit (ICCU) expenses. e) Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization. 12. Home Care Treatment Expenses: Insurer shall cover the costs of treatment of COVID incurred by the Insured person on availing treatment at home maximum up to 14 days per incident provided that: a) The Medical practitioner advices the Insured person to undergo treatment at home. b) There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment. c) Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained. d) Insured shall be permitted to avail the services as prescribed by the medical practitioner. Cashless or reimbursement facility are offered under homecare 3 expenses subject to claim settlement policy disclosed in the website of the Insurer. e) In case the insured intends to avail the services of non-network provider, claim shall be subject to reimbursement, a prior approval from the Insurer needs to be taken before availing such services. Insurer shall respond to approval request within 2 hrs of receiving the last necessary requirement. In this benefit, the following shall be covered if prescribed by the treating medical practitioner and is related to treatment of COVID, a. Diagnostic tests undergone at home or at diagnostics centre b. Medicines prescribed in writing c. Consultation charges of the medical practitioner d. Nursing charges related to medical staff e. Medical procedures limited to parenteral administration of medicines f. Cost of Pulse oximeter, Oxygen cylinder and Nebulizer Subject to other terms, conditions and exclusions of the policy, expenses payable during the Policy period shall not in aggregate exceed the maximum Sum Insured as specified in the Policy Schedule against this Benefit. 13. AYUSH Treatment: The Medical expenses incurred on hospitalization under AYUSH (as defined in IRDAI (Health Insurance) Regulations, 2016) systems of medicine for the treatment of Covid on Positive diagnosis of Covid in a government authorized diagnostic centre shall be covered up to the Sum Insured without any sub-limits. 14. Pre-Hospitalization medical expenses incurred for a period of 15days prior to the date of hospitalization/home care treatment following an admissible claim under this policy shall be covered. Pre hospitalization expenses shall also cover the costs of diagnostics towards Covid. 15. Post-Hospitalization medical expenses incurred for a period of 30days from the date of discharge from the hospital/completion of home care treatment, following an admissible claim under this policy shall be covered. 16. No deductibles are permitted in this product. 17. The Policy shall include the cost of treatment for any comorbid condition including pre-existing comorbid condition (s)along with the treatment for Covid. 4 II.Optional cover: 18. Hospital Daily Cash: The Company will pay 0.5% of sum insured per day for each 24 hours of continuous hospitalization for treatment of Covid following an admissible hospitalization claim under this policy. The benefit shall be payable maximum up to 15 days during a policy period in respect of every insured person. C. Other Norms applicable: SI.No Particulars 1. Plan Variants 2. Distributions Channels 3. Family Floater 4. Definition of family 5. Category of Cover Norms Applicable No plan variants are allowed. Covid Standard Health Policy may be distributed across all distribution channels including Micro Insurance Agents, Point of sale persons and Common Public Service Centres. Distribution of Covid Standard Health Policy shall be governed by the regulations of concerned distribution channels. In addition to the number of products allowed to be marketed as per IRDAI circular ref: IRDAI/ INT/ CIR/ PSP/ 019/01/2020 dated 13thJanuary, 2020 "Covid Standard Health Policy" is also allowed to be marketed by Point of Sale. Covid Standard Health Policy shall be offered on family floater basis also. Family consists of the proposer and any one or more of the family members as mentioned below: (i) legally wedded spouse. (ii) Parents and Parents-in-law. (iii) dependent Children (i.e. natural or legally adopted) between the day 1 of age to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage. The Base Cover of Covid Standard Health Policy shall be offered on indemnity basis whereas Optional Cover shall be made available on Benefit Basis. 5 The minimum sum insured under Covid Standard Health Policy shall be Rs 50,000/- (Fifty Thousand only) 6. Minimum and Maximum Sum Insured Maximum limit shall be Rs 5,00,000/-(5 Lakh) (in the multiples of fifty thousand) Covid Standard Health Policy shall be offered with a policy 7 Policy Period term of three and half months (3 ½ months), six and half months (6 ½ months) and nine and half months (9 ½ months) including waiting period. Modes of premium Single premium 8 payment Minimum entry age shall be 18 years for principal insured and maximum age at entry shall not be less than 65 years 9. Entry age for all the insured members including principal insured. Dependent Child/ children shall be covered from Day 1 of age to 25 years subject to the definition of 'Family'. The benefit pay out should be explicitly disclosed in the 10. Benefit Structure format of application (Form - IRDAI-UNF-SCHP) along with other relevant documents. The insurer shall specify the non-medical limit and relevant details explicitly in the format specified. 11. Underwriting 5% discount in premium shall be provided to health care workers. Renewal, Portability Lifelong renewability, migration and portability stipulated 12. and Migration under Regulation 13 and 17 of IRDAI (Health Insurance) Regulations, 2016 respectively are not applicable. The premium under this product shall be pan India basis Pricing and no geographic location / zone based pricing is 13. allowed. 14. The Policy shall include the cost of treatment for any Comorbid Conditions comorbid condition including pre-existing comorbid condition(s) along with the treatment for Covid. D: Construct of Terms and Conditions for Covid Standard Health Policy: 19. The Policy Terms and Conditions of the Covid Standard Health Policy shall be in the format specified in Annexure - 1. Insurer may suitably modify the definitions and other clauses of the policy contract prospectively based on the Regulations or Guidelines that may be issued by the Authority from time to time. 6 E: Other Norms: 20. The nomenclature of the product shall be Corona Kavach Policy, succeeded by name of insurance company, (Corona Kavach Policy, <name of insurer>). No other name is allowed in any of the documents. 21. The Proposal Form used for the product shall be subject to the norms specified under the Guidelines on Product Filing in Health Insurance. 22. Insurers shall mandatorily issue Customer Information Sheet as per the format specified in Annexure-2. 23. The Covid Standard Health Policy may be offered as MICRO Insurance Product subject to Sum Insured limits specified in IRDAI (Micro Insurance) Regulations, 2015, and other circulars/ guidelines issued in this regard by the Authority from time to time. 24. The Covid Standard Health Policy shall be launched without prior approval of the Authority subject to complying with the following conditions. a. The product shall be approved by the Product Management Committee. b. Insurers shall obtain UIN for the Covid Standard Health Policy by filing the relevant particulars in Form - IRDAI-UNF-SCHP (as specified in Annexure - 3 of these Guidelines) along with a certificate from Chief Compliance Officer that the product filed is in compliance with the norms specified under these guidelines. c. On review of the application, the Authority may call for such further information as may be required and may issue suitable directions which shall be retrospectively effected in respect of all contracts issued under this product. 25. General and Health Insurers shall ensure that this product is compulsorily offered on or before 10th July, 2020. 26. In terms of the provisions of Regulation 4(iii) of IRDAI (Issuance of e-lnsurance Policies) Regulations, 2016 providing policy document in physical form is mandatory when policies are issued in electronic form directly to the policyholders. Since features of Corona Kavach Policy shall be common across the industry and as the terms and conditions of the policy are specified by the Authority, with the objective of reducing the operating costs and to pass on this benefit of reduced operational cost to the policyholders by way of affordable premiums, insurers are allowed to issue the policy contract of Corona Kavach Policy in electronic/ digital format. The digital form of the policy contract may be forwaded through email or a link shall be provided in the certificate of insurance.However, where policyholder specifically seeks the physical form of the policy contract, the same shall be provided by the insurer. 7 27. Every insurer offering Corona Kavach Policy shall provide a certificate of insurance to the policyholder indicating the availability of health insuarnce coverage.The certificate shall have a reference to access detailed terms and conditions of the policy contract. Insurers shall also clearly mention policy period (Policy Start Date to Policy End Date), effective policy period (from end of waiting period to end of policy period), waiting period (policy start date to end of policy period) in the Certificate of Insurance. 28. In terms of Clause 5 of Guidelines on short term health insurance policies Ref: IRDAI/HL T/REG/CIR/156/05/2020 dated 23rd June, 2020, the policies issued under these guidelines will remain valid till 31st March, 2021. 29. This has the approval of Competent Authority. (DVS Ramesh) General Manager 8 Corona Kavach Policy, [Company Name] 1. PREAMBLE Annexure-1 This Policy is a contract of insurance issued by [name of the Company] (hereinafter called the 'Company') to the proposer mentioned in the schedule (hereinafter called the 'Insured') to cover the person(s) named in the schedule (hereinafter called the 'Insured Persons'). The policy is based on the statements and declaration provided in the proposal Form by the proposer and is subject to receipt of the requisite premium. 2. OPERATIVE CLAUSE If during the policy period one or more Insured Person (s) is required to be hospitalized for treatment of Covid at a Hospital or given Home Care Treatment following Medical Advice of a duly qualified Medical Practitioner, the Company shall indemnify medically necessary expenses towards the Coverage mentioned in the policy schedule. Provided further that, any amount payable under the policy shall be subject to the terms of coverage exclusions, conditions and definitions contained herein. Maximum liability of the Company under all such Claims during the Policy Period shall be the Sum Insured (Individual or Floater) opted and specified in the Schedule. 3. DEFINITIONS The terms defined below and at other junctures in the Policy have the meanings ascribed to them wherever they appear in this Policy and, where, the context so requires, references to the singular include references to the plural; references to the male includes the female and references to any statutory enactment includes subsequent changes to the same. 3.1. Age means age of the Insured person on last bi1thday as on date of commencement of the Policy. 3.2. AYUSH Treatment refers to hospitalization treatments given under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems. 3.3. An A YUSH Hospital is a healthcare facility wherein medical/surgical/para-surgical treatment procedures and interventions are carried out by A YUSH Medical Practitioner(s) comprising of any of the following: a. Central or State Government A YUSH Hospital or b. Teaching hospital attached to A YUSH College recognized by the Central Government/Central Council of Indian Medicine/Central Council for Homeopathy; or c. A YUSH Hospital, standalone or co-located with in-patient healthcare facility of any recognized system of medicine, registered with the local authorities, wherever applicable, and is under the supervision of a qualified registered A YUSH Medical Practitioner and must comply with all the following criterion: 1. Having at least 5 in-patient beds; 11. Having qualified A YUSH Medical Practitioner in charge round the clock; 111. Having dedicated A YUSH therapy sections as required and/or has equipped operation theatre where surgical procedures are to be carried out; 9 1v. Maintaining daily records of the patients and making them accessible to the insurance company's authorized representative. 3.4. Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured person in accordance with the Policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is approved. 3.5. Condition Precedent means a Policy term or condition upon which the Company's liability under the Policy is conditional upon. 3.6. COVID: For the purpose of this Policy, Coronavirus Disease means COVID-19 as defined by the World Health Organization (WHO) and caused by the virus SARS-CoV2. 3.7. Day Care Treatment means medical treatment, and/or surgical procedure which is: 1. undertaken under general or local anesthesia in a hospital/day care centre in less than twenty-four hours because of technological advancement, and 11. which would have otherwise required a hospitalization of more than twenty-four hours. 111. Treatment normally taken on an out-patient basis is not included in the scope of this definition. 3.8. Disclosure to information norm: The policy shall be void and all premiums paid thereon shall be forfeited to the Company in the event of misrepresentation, mis-description or non-disclosure of any material fact by the policyholder. 3.9. Emergency Care: Emergency care means management for an illness or injury which results in symptoms which occur suddenly and unexpectedly, and requires immediate care by a medical practitioner to prevent death or serious long term impairment of the insured person's health. 3.10.Family means, the Family that consists of the proposer and any one or more of the family members as mentioned below: i. Legally wedded spouse. ii. Parents and Parents-in-law. iii. Dependent Children (i.e. natural or legally adopted) between the day 1 of age to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage 3.11. Health care worker for the purpose of this policy shall mean doctors, nurses, midwives, dental practitioners and other health professionals including laboratory assistants, pharmacists, physiotherapists, technicians and people working in hospitals. 3.12. Home Care Treatment means treatment availed by the Insured Person at home for Covid on positive diagnosis of Covid in a Government authorized diagnostic Centre, which in normal course would require care and treatment at a hospital but is actually taken at home provided that: a) The Medical practitioner advices the Insured person to undergo treatment at home. b) There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment. c) Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained. 3.13.Hospital means any institution established for in-patient care and day care treatment of disease/ injuries and which has been registered as a hospital with the local authorities under the Clinical Establishments (Registration and Regulation) Act, 2010 or under the enactments specified under Schedule of Section 56( 1) of the said Act, OR complies with all minimum criteria as under: 1. has qualified nursing staff under its employment round the clock; 10 11. has at least ten inpatient beds, in those towns having a population of less than ten lakhs and fifteen inpatient beds in all other places; 111. has qualified medical practitioner (s) in charge round the clock; 1v. has a fully equipped operation theatre of its own where surgical procedures are carried out v. maintains daily records of patients and shall make these accessible to the Company's authorized personnel. For the purpose of this policy any other set-up designated by the Government as hospital for the treatment of Covid shall also be considered as hospital. 3.14.Hospitalization means admission in a hospital for a minimum period of twenty-four (24) hours consecutive 'In-patient care' provided it will not include procedures/ treatments, where such admission could be for a period of less than twenty-four (24) consecutive hours. 3.15. In-Patient Care means treatment for which the insured person has to stay in a hospital for more than 24 hours for a covered event. 3.16. Insured Person means person(s) named in the schedule of the Policy. 3.17.Intensive Care Unit means an identified section, ward or wing of a hospital which is under the constant supervision of a dedicated medical practitioner(s), and which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require life support facilities and where the level of care and supervision is considerably more sophisticated and intensive than in the ordinary and other wards. 3.18. ICU (Intensive Care Unit) Charges means the amount charged by a Hospital towards ICU expenses on a per day basis which shall include the expenses for ICU bed, general medical suppo1t services provided to any ICU patient including monitoring devices, critical care nursing and intensivist charges. 3.19.Medical Advice means any consultation or advice from a Medical Practitioner including the issue of any prescription or follow up prescription. 3.20. Medical Expenses means those expenses that an insured person has necessarily and actually incurred for medical treatment on account of illness or accident on the advice of a medical practitioner, as long as these are no more than would have been payable if the insured person had not been insured and no more than other hospitals or doctors in the same locality would have charged for the same medical treatment. 3.21. Medical Practitioner means a person who holds a valid registration from the Medical Council of any state or Medical Council oflndia or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of the licence. 3.22. Medically Necessary Treatment means any treatment, tests, medication, or stay in hospital or pa1t of a stay in hospital which 1. is required for the medical management of illness or injury suffered by the insured; 11. must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in scope, duration, or intensity; u1. must have been prescribed by a medical practitioner; 1v. must conform to the professional standards widely accepted in international medical practice or by the medical community in India. 3.23. Network Provider means hospitals enlisted by insurer, TPA or jointly by an insurer and TPA to provide medical services to an insured by a cashless facility. 11 3.24. Non- Network Provider means any hospital that is not pa1t of the network. 3.25. Notification of Claim means the process of intimating a claim to the Insurer or TPA through any of the recognized modes of communication. 3.26. Out-Patient (OPD) Treatment means treatment in which the insured visits a clinic/ hospital or associated facility like a consultation room for diagnosis and treatment based on the advice of a medical practitioner. The insured is not admitted as a day care or in-patient 3.27. Pre-hospitalization Medical Expenses means medical expenses incurred during the period of 15 days preceding the hospitalization/home care treatment of the Insured Person, provided that: 1. Such Medical Expenses are incurred for the same condition for which the Insured Person's Hospitalization//home care treatment was required, and 11. The In-patient Hospitalization claim//home care treatment claim for such hospitalization/home care treatment is admissible by the Insurance Company. 3.28.Post-hospitalization Medical Expenses means medical expenses incurred during the period of 30 days immediately after the insured person is discharged from the hospital/ completion of home care treatment provided that: 1. Such Medical Expenses are for the same condition for which the insured person's hospitalization/home care treatment was required, and 11. The inpatient hospitalization/home care treatment claim for such hospitalization/home care treatment is admissible by the Insurance Company. 3.29.Policy means these Policy wordings, the Policy Schedule and any applicable endorsements or extensions attaching to or forming pait thereof. The Policy contains details of the extent of cover available to the Insured person, what is excluded from the cover and the terms & conditions on which the Policy is issued to the Insured person. 3.30. Policy period means period of three and half months (3 ½ months), six and half months (6 ½ months), nine and half months (9 ½ months) as mentioned in the schedule for which the Policy is issued. 3.31.Policy Schedule means the Policy Schedule attached to and forming pait of Policy 3.32. Qualified Nurse means a person who holds a valid registration from the Nursing Council oflndia or the Nursing Council of any state in India. 3.33. Room Rent means the amount charged by a hospital towards Room and Boarding expenses and shall include the associated medical expenses. 3.34. Sub-limit means a cost sharing requirement under a health insurance policy in which an insurer would not be liable to pay any amount in excess of the pre-defined limit 3.35. Sum Insured means the pre-defined limit specified in the Policy Schedule. Sum Insured represents the maximum, total and cumulative liability for any and all claims made under the Policy, in respect of that Insured Person (on Individual basis) or all Insured Persons (on Floater basis) during the Policy Period. 3.36. Surgery or Surgical Procedure means manual and / or operative procedure (s) required for treatment of an illness or injury, correction of deformities and defects, diagnosis and cure of diseases, relief of suffering and prolongation of life, performed in a hospital or day care centre by a medical practitioner. 12 3.37. Third Party Administrator (TPA) means a Company registered with the Authority, and engaged by an insurer, for a fee or by whatever name called and as may be mentioned in the health services agreement, for providing health services. 3.38. Waiting Period means a period from the inception of this Policy during which Covid 1s not covered. 4. Base Cover: The cover listed below is in-built Policy benefit and shall be available to all Insured Persons in accordance with the procedures set out in this Policy. 4.1. Covid Hospitalization Cover The Company shall indemnify medical expenses incurred for Hospitalization of the Insured Person during the Policy period for the treatment of Covid on Positive diagnosis of Covid in a government authorized diagnostic centre including the expenses incurred on treatment of any comorbidity along with the treatment for Covid up to the Sum Insured specified in the policy schedule, for, 1. Room Rent, Boarding, Nursing Expenses as provided by the Hospital/ Nursing Home. 11. Intensive Care Unit (ICU)/ Intensive Cardiac Care Unit (lCCU) expenses. 111. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor I surgeon or to the hospital 1v. Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses. v. Road Ambulance subject to a maximum of Rs.2000/- per hospitalization for the Ambulance services offered by a Hospital or by an Ambulance service provider, provided that the Ambulance is availed only in relation to Covid Hospitalization for which the Company has accepted a claim under section This also includes the cost of the transportation of the Insured Person from a Hospital to the another Hospital as prescribed by a Medical Practitioner. Note: I. Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible. 4.2 Home Care Treatment Expenses: Home Care Treatment means Treatment availed by the Insured Person at home for Covid on positive diagnosis of Covid in a Government authorized diagnostic Centre, which in normal course would require care and treatment at a hospital but is actually taken at home maximum up to 14 days per incident provided that: a) The Medical practitioner advices the Insured person to undergo treatment at home. b) There is a continuous active line of treatment with monitoring of the heal.th status by a medical practitioner for each day through the duration of the home care treatment. c) Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained. d) Insured shall be permitted to avail the services as prescribed by the medical practitioner. Cashless or reimbursement facility shall be offered under homecare expenses subject to claim settlement policy disclosed in the website. e) In case the insured intends to avail the services of non-network provider claim shall be subject to reimbursement, a prior approval from the Insurer needs to be taken before availing such services. ln this benefit, the following shall be covered if prescribed by the treating medical practitioner and is related to treatment of COY ID, 13