Assisted Reproduction Treatment

*Assisted Reproduction Treatment* in Family Health Optima Policy : The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment, where indicated, for sub-fertility subject to: 1. Awaiting period of 36 months from the date of first inception of this policy with the Company for the insured person. The maximum liability of the Company for such treatment shall be limited to Rs.1,00,000/- for Sum Insured of Rs.5,00,000/- and Rs.2,00,000/- for Sum Insured of Rs.10,00,000/- and above for every block of 36 months and payable on renewal 2. For the purpose of claiming under this benefit, in- patient treatment is not mandatory. 3. Automatic Restoration of Basic Sum Insured, Recharge Benefit shall not be applicable for this benefit. *Note*: To be eligible for this benefit both husband and spouse should stay insured continuously without break under this policy for every block. This coverage is available only for sum insured options of Rs.5,00,000/- and above *Special Exclusions*:- The Company shall not be liable to make any payments under this policy in respect of any expenses what so ever incurred by the insured person in connection with or in respect of: 1. Pre and Post treatment expenses 2. Sub-fertility services that are deemed to be unproven, experimental or investigational 3. Services not in accordance with standards of good medical practice and not uniformly recognized and professionally endorsed by the general medical community at the time it is to be provided. 4. Reversal of voluntary sterilization 5. Treatment undergone for second or subsequent pregnancies except where the child from the first delivery/ previous deliveries is/are not alive at the time of treatment 6. Payment for services rendered to a surrogate 7. Costs associated with cryopreservation and storage of sperm, eggs and embryos 8. Selective termination of an embryo. 9. Services done at unrecognized centre 10. Surgery / procedures that enhances fertility like Tubal Occlusion, Bariatric Surgery, Diagnostic Laparoscopy with Ovarian Drilling and such other similar surgery / procedures for Health Insurance/Mediclaim needs, Services, U can call me now at 98401 77017 Devarajan www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/