[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-506403-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-506403-en":130},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","protect-plus-policy-wordings-definitions","Protect Plus Policy Wordings - Definitions","","Protect Plus Policy Wordings defines key insurance terms and sets core coverage rules. It limits treatments to India unless otherwise specified, excludes expenses incurred outside the policy period, and states that unused Sum Insured expires at the end of the policy year unless stated in the Policy Schedule or Certificate of Insurance. The definitions clarify terms such as AYUSH Hospitals and treatments, cashless facility, cumulative bonus, day care treatment and centre, deductible, information disclosure requirements, domiciliary hospitalization, emergency care, grace period, and what qualifies as a hospital under applicable regulatory criteria.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/healthcare/","Healthcare",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/protect-plus-policy-wordings-definitions/506403/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/protect-plus-policy-wordings-definitions/506403.png","ImageObject",300,407,{"name":42,"@type":43},"Adam","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-11-10","2026-10-05",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",6,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"Where does the policy provide treatment coverage?","Question",{"text":63,"@type":64},"The policy covers treatments taken in India only, unless the benefit states otherwise. Expenses incurred outside the policy period are not covered.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What conditions must an AYUSH Hospital meet under the policy?",{"text":68,"@type":64},"An AYUSH Hospital must be an eligible healthcare facility where AYUSH practitioners conduct medical/surgical/para-surgical procedures, including meeting criteria such as minimum inpatient beds, 24/7 qualified practitioner oversight, dedicated therapy sections and/or operation theatre, and maintaining patient daily records accessible to the insurer’s authorized representative.",{"name":70,"@type":61,"acceptedAnswer":71},"What is the meaning of “cashless facility” in this policy?",{"text":72,"@type":64},"Cashless facility refers to insurer-arranged direct payment to the network provider for costs of treatment covered under policy terms and conditions, to the extent pre-authorization is approved.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},506403,1791688836,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,101,105,109,114,119,122,126],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":97,"doc_module":4,"doc_module_name":25,"category_name":98,"show_sort_weight":99,"slug":100},5,"Comic",60,"comic",{"id":55,"doc_module":4,"doc_module_name":25,"category_name":102,"show_sort_weight":103,"slug":104},"Technology",50,"technology",{"id":106,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":107,"slug":108},7,40,"healthcare",{"id":110,"doc_module":4,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},8,"Research & Report",30,"research-report",{"id":115,"doc_module":4,"doc_module_name":25,"category_name":116,"show_sort_weight":117,"slug":118},9,"Religion & Spirituality",20,"religion-spirituality",{"id":117,"doc_module":4,"doc_module_name":25,"category_name":120,"show_sort_weight":117,"slug":121},"World Cup","world-cup",{"id":123,"doc_module":4,"doc_module_name":25,"category_name":124,"show_sort_weight":123,"slug":125},10,"Lifestyle","lifestyle",{"id":127,"doc_module":4,"doc_module_name":25,"category_name":128,"show_sort_weight":97,"slug":129},19,"General","general",{"code":4,"msg":82,"data":131},{"doc_id":79,"user_id":132,"nickname":42,"user_avatar":133,"doc_module":4,"category_id":106,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":139,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":144,"read_time":145,"preview_page_count":4},1374404737137,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","Policy Wordings-Protect Plus  \n1. Preamble  \nThis Policy covers treatments taken in India ONLY, unless specified in the benefit. Expense(s) incurred outside the policy period will NOT be covered. Unutilized Sum Insured will expire at the end of policy year unless specified in the Policy Schedule / Certificate of Insurance.  \nAll applicable benefits and details are mentioned in your Policy Schedule.  \n2. Definitions  \n2.1. Standard Definitions:  \n2.1.1. Accident or Accidental means a sudden, unforeseen and involuntary event caused by external, visible and violent means.  \n2.1.2. AYUSH Hospital is a healthcare facility wherein medical / surgical / para-surgical treatment proceduresand interventions are carried out by AYUSH Medical Practitioner(s) comprising of any of the following:  \na. Central or state government AYUSH Hospital; or  \nb. Teaching Hospital attached to AYUSH college recognized by the Central Government / Central Council of Indian Medicine / Central Council of Homeopathy; or  \nc. AYUSH 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 AYUSH Medical Practitioner and must comply with all the following criterion:  \ni. Having at least five in-patient beds;  \nii. Having qualified AYUSH Medical Practitioner in charge round the clock;  \niii. Having dedicated AYUSH therapy sections as required and/or has equipped operation theatre where surgical procedures are to be carried out;  \niv. Maintaining daily records of the patients and making them accessible to the insurance company’s authorized representative.  \n2.1.3. AYUSH Treatment refers to the medical and / or hospitalization treatments given under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems.  \n2.1.4. Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured 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.  \n2.1.5. Cumulative Bonus means any increase or addition in the Sum Insured granted by the insurer without an associated increase in premium.  \n2.1.6. Day Care Treatment refers to medical treatment, and/or Surgical Procedure which is:  \na. undertaken under General or Local Anaesthesia in a Hospital/Day Care Centre in less than 24 hrs because of technological advancement, and  \nb. which would have otherwise required a Hospitalization of more than 24 hours.  \nTreatment normally taken on an out patient basis is not included in the scope of this definition.  \n2.1.7. Day Care Centre means any institution established for Day Care Treatment of Illness and/or Injuries ora medical set-up with a Hospital and which has been registered with the local authorities, wherever applicable, and is under the supervision of a registered and qualified Medical Practitioner AND must comply with all minimum criterion as under:  \na. has Qualified Nursing staff under its employment;  \nb. has qualified Medical Practitioner(s) in charge;  \nc. has a fully equipped operation theatre of its own where Surgical Procedures are carried out;  \nd. Maintains daily records of patients and will make these accessible to the insurance company’s authorized personnel.  \n2.1.8. Deductible means a cost-sharing requirement under a health insurance policy that provides that the Insurer will not be liable for a specified rupee amount in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the Sum Insured.  \n2.1.9. Disclosure to information norm: The policy shall be void and all premium paid thereon shall be forfeited to the Company in the event of misrepresentation, mis-description or non-disclosur","cbCaibw2ujZjF9ud","https://ap.wps.com/l/cbCaibw2ujZjF9ud","pdf",1438536,145,"English","# Preamble\n# Definitions\n## Standard Definitions","[{\"question\":\"Where does the policy provide treatment coverage?\",\"answer\":\"The policy covers treatments taken in India only, unless the benefit states otherwise. Expenses incurred outside the policy period are not covered.\"},{\"question\":\"What conditions must an AYUSH Hospital meet under the policy?\",\"answer\":\"An AYUSH Hospital must be an eligible healthcare facility where AYUSH practitioners conduct medical/surgical/para-surgical procedures, including meeting criteria such as minimum inpatient beds, 24/7 qualified practitioner oversight, dedicated therapy sections and/or operation theatre, and maintaining patient daily records accessible to the insurer’s authorized representative.\"},{\"question\":\"What is the meaning of “cashless facility” in this policy?\",\"answer\":\"Cashless facility refers to insurer-arranged direct payment to the network provider for costs of treatment covered under policy terms and conditions, to the extent pre-authorization is approved.\"}]","Protect Plus Policy Wordings - Definitions | PDF",1791164723,365]