Section 22 in Insurance Regulatory and Development Authority of India (Health Insurance) Regulations, 2016
22. Optional Coverage for Certain Items.
- (applicable to General Insurers and Health Insurers)i. List of Generally Excluded Items that may be optionally covered by the Insurers may be specified by the Authority from time to time through Guidelines.(a)In respect of hospitalisation indemnity policies that exclude certain standard items, Insurers shall ensure that these are mentioned in the product filing when made under the Product Filing Guidelines.(b)Product wise specific list of excluded items shall be disclosed in the website of insurers and a reference shall be made in the prospectus and policy wordings of the respective products about such excluded items and the availability of the details on the website along with the address of website.(c)Insurers shall supply the policyholders on demand a copy of such excluded list of the concerned product if the same is not incorporated in the policy document.(d)Insurers may offer cover for these items and mention it clearly in the policy.
