Qualified nurse is a person who holds a valid registration from the Nursing Council of India or the Nursing Council of any state in India.

Reasonable charges means the charges for services or supplies, which are the standard charges for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into account the nature of the illness/injury involved.

Room rent shall mean the amount charged by a hospital for occupying of a bed and associated medical expenses. Generally *bed charges are 1-2%% of the sum assured, depending on Insurance policy. All other charges like doctor visit etc. are often related proportionately to bed charge (Room Rent). It is as such important and helpful for the insured person undergoing hospitalization to be within these limits.

Subrogation shall mean the right of an insurer to assume the rights of the insured person to recover expenses paid out under the policy that may be recovered from any other source.

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 or prolongation of life, performed in a hospital or day care centre by a medical practitioner.

Unproven/Experimental treatment is treatment including drug experimental therapy which is based on established medical practice in India, is treatment experimental or unproven.

The initial period within which any claims made will not be entertained. Normally, all the new policies come with a minimum 30 days waiting period wherein the insured person cannot make a claim for the disease contracted during the first 30 days. This is to avoid someone taking a policy in order to get a hospitalization claim immediately after purchase of the policy. The waiting period does not usually apply to accidental injuries, or to renewals of policies. Specific waiting periods: 12, 24 or 48 months for named diseases. After 48 months all diseases are covered.

A situation in which the insured and the beneficiary appear to die simultaneously with no clear evidence of who died first.