{"id":38498,"date":"2026-09-16T02:25:50","date_gmt":"2026-09-15T20:55:50","guid":{"rendered":"https:\/\/petrolnews.in\/live\/health-insurance-claim-rules-%e0%a4%85%e0%a4%b8%e0%a5%8d%e0%a4%aa%e0%a4%a4%e0%a4%be%e0%a4%b2-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ad%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a5%80-%e0%a4%b9%e0%a5%8b%e0%a4%a4\/"},"modified":"2026-09-16T02:25:50","modified_gmt":"2026-09-15T20:55:50","slug":"health-insurance-claim-rules-%e0%a4%85%e0%a4%b8%e0%a5%8d%e0%a4%aa%e0%a4%a4%e0%a4%be%e0%a4%b2-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ad%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a5%80-%e0%a4%b9%e0%a5%8b%e0%a4%a4","status":"publish","type":"post","link":"https:\/\/petrolnews.in\/live\/health-insurance-claim-rules-%e0%a4%85%e0%a4%b8%e0%a5%8d%e0%a4%aa%e0%a4%a4%e0%a4%be%e0%a4%b2-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ad%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a5%80-%e0%a4%b9%e0%a5%8b%e0%a4%a4\/","title":{"rendered":"Health Insurance Claim Rules: \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u092d\u0930\u094d\u0924\u0940 \u0939\u094b\u0924\u0947 \u0939\u0940 \u091c\u0947\u092c \u0928 \u0939\u094b \u091c\u093e\u090f \u0916\u093e\u0932\u0940! \u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0916\u0930\u0940\u0926\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u092e\u091d \u0932\u0947\u0902 \u092f\u0947 7 \u091b\u0941\u092a\u0940 \u0936\u0930\u094d\u0924\u0947\u0902"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/newsindialive.in\/public\/uploads\/news\/full\/1789494583_4db9f30f08d3e1e993cb.jpg\" \/><\/p>\n<div>\n<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0924\u0947\u091c\u0940 \u0938\u0947 \u092c\u0922\u093c\u0924\u0940 \u092e\u0947\u0921\u093f\u0915\u0932 \u092e\u0939\u0902\u0917\u093e\u0908 (Medical Inflation) \u0906\u091c 14 \u0938\u0947 15 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u0947 \u0938\u094d\u0924\u0930 \u0915\u094b \u091b\u0942 \u0930\u0939\u0940 \u0939\u0948\u0964 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0917\u0902\u092d\u0940\u0930 \u092c\u0940\u092e\u093e\u0930\u0940, \u0905\u091a\u093e\u0928\u0915 \u0938\u0930\u094d\u091c\u0930\u0940 \u092f\u093e \u0926\u0941\u0930\u094d\u0918\u091f\u0928\u093e \u0915\u0947 \u0938\u092e\u092f \u0928\u093f\u091c\u0940 \u0905\u0938\u094d\u092a\u0924\u093e\u0932\u094b\u0902 \u0915\u093e \u090f\u0915 \u0939\u092b\u094d\u0924\u0947 \u0915\u093e \u092c\u093f\u0932 \u0906\u092e \u092e\u0927\u094d\u092f\u092e\u0935\u0930\u094d\u0917\u0940\u092f \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0940 \u092c\u0930\u0938\u094b\u0902 \u0915\u0940 \u092c\u091a\u0924 \u0915\u094b \u0938\u093e\u092b \u0915\u0930 \u0926\u0947\u0924\u093e \u0939\u0948\u0964 \u092f\u0939\u0940 \u0915\u093e\u0930\u0923 \u0939\u0948 \u0915\u093f \u0909\u0924\u094d\u0924\u0930 \u092a\u094d\u0930\u0926\u0947\u0936 \u0915\u0947 \u0932\u0916\u0928\u090a, \u0915\u093e\u0928\u092a\u0941\u0930, \u0935\u093e\u0930\u093e\u0923\u0938\u0940, \u0928\u094b\u090f\u0921\u093e \u0914\u0930 \u092a\u094d\u0930\u092f\u093e\u0917\u0930\u093e\u091c \u091c\u0948\u0938\u0947 \u092a\u094d\u0930\u092e\u0941\u0916 \u0936\u0939\u0930\u094b\u0902 \u0938\u0947 \u0932\u0947\u0915\u0930 \u0926\u0947\u0936 \u092d\u0930 \u0915\u0947 \u091b\u094b\u091f\u0947 \u0915\u0938\u094d\u092c\u094b\u0902 \u092e\u0947\u0902 \u0932\u094b\u0917 \u0905\u092c \u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 (\u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u092c\u0940\u092e\u093e) \u0915\u094b \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u0926\u0947 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0915\u093f\u0928 \u0906\u091c \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0940 \u0935\u093f\u0921\u0902\u092c\u0928\u093e \u092f\u0939 \u0939\u0948 \u0915\u093f \u0932\u093e\u0916\u094b\u0902 \u0932\u094b\u0917 \u0915\u0947\u0935\u0932 \u0938\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u094d\u0921 (\u091c\u0948\u0938\u0947 \u20b95 \u0932\u093e\u0916 \u092f\u093e \u20b910 \u0932\u093e\u0916) \u0914\u0930 \u0938\u0938\u094d\u0924\u093e \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u0926\u0947\u0916\u0915\u0930 \u0911\u0928\u0932\u093e\u0907\u0928 \u092a\u0949\u0932\u093f\u0938\u0940 \u0916\u0930\u0940\u0926 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u091c\u092c \u092a\u0930\u093f\u0935\u093e\u0930 \u092e\u0947\u0902 \u0915\u094b\u0908 \u092c\u0940\u092e\u093e\u0930 \u092a\u0921\u093c\u0924\u093e \u0939\u0948 \u0914\u0930 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u0915\u0947 \u091f\u0940\u092a\u0940\u090f (TPA) \u0921\u0947\u0938\u094d\u0915 \u092a\u0930 \u0915\u094d\u0932\u0947\u092e \u092a\u0947\u0936 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u092c \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 \u0915\u094d\u0932\u0949\u091c \u0938\u093e\u092e\u0928\u0947 \u0906\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u092a\u0924\u093e \u091a\u0932\u0924\u093e \u0939\u0948 \u0915\u093f \u20b95 \u0932\u093e\u0916 \u0915\u0947 \u092c\u093f\u0932 \u092e\u0947\u0902 \u0938\u0947 \u0915\u0947\u0935\u0932 \u20b93 \u0932\u093e\u0916 \u0939\u0940 \u092a\u093e\u0938 \u0939\u0941\u090f, \u091c\u092c\u0915\u093f \u20b92 \u0932\u093e\u0916 \u0905\u092a\u0928\u0940 \u091c\u0947\u092c \u0938\u0947 \u092d\u0930\u0928\u0947 \u092a\u0921\u093c \u0917\u090f\u0964 \u0915\u0908 \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0924\u094b \u0924\u0915\u0928\u0940\u0915\u0940 \u0916\u093e\u092e\u093f\u092f\u094b\u0902 \u0915\u093e \u0939\u0935\u093e\u0932\u093e \u0926\u0947\u0915\u0930 \u0915\u094d\u0932\u0947\u092e \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0916\u093e\u0930\u093f\u091c (Reject) \u0915\u0930 \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092c\u0940\u092e\u093e \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0914\u0930 \u0935\u093f\u0915\u093e\u0938 \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923 (IRDAI) \u0926\u094d\u0935\u093e\u0930\u093e \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e-\u0939\u093f\u0924\u0948\u0937\u0940 \u0928\u093f\u092f\u092e \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u092c\u093e\u0935\u091c\u0942\u0926 \u092f\u0926\u093f \u0917\u094d\u0930\u093e\u0939\u0915 \u092a\u0949\u0932\u093f\u0938\u0940 \u0915\u0947 &#8216;\u092a\u0949\u0932\u093f\u0938\u0940 \u0935\u0930\u094d\u0921\u093f\u0902\u0917&#8217; \u0914\u0930 7 \u092c\u0941\u0928\u093f\u092f\u093e\u0926\u0940 \u0915\u094d\u0932\u0949\u091c \u0915\u094b \u0928\u0939\u0940\u0902 \u0938\u092e\u091d\u0924\u093e, \u0924\u094b \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0935\u0915\u094d\u0924 \u092e\u0947\u0902 \u092d\u093e\u0930\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u0941\u0915\u0938\u093e\u0928 \u0924\u092f \u0939\u0948\u0964<\/p>\n<p>\u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0935\u093f\u0935\u093e\u0926 &#8216;\u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921&#8217; \u0915\u094b \u0932\u0947\u0915\u0930 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u091c\u092c \u0906\u092a \u092a\u0949\u0932\u093f\u0938\u0940 \u0916\u0930\u0940\u0926\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092a\u0939\u0932\u0947 \u0939\u0940 \u0926\u093f\u0928 \u0938\u0947 \u0939\u0930 \u092c\u0940\u092e\u093e\u0930\u0940 \u0915\u0935\u0930 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 \u092c\u0940\u092e\u093e \u092a\u0949\u0932\u093f\u0938\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0924\u0940\u0928 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902:<\/p>\n<ul>\n<li>\n<p><strong>\u092a\u094d\u0930\u093e\u0930\u0902\u092d\u093f\u0915 \u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921 (Initial 30-Day Waiting Period):<\/strong> \u092a\u0949\u0932\u093f\u0938\u0940 \u0936\u0941\u0930\u0942 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0936\u0941\u0930\u0941\u0906\u0924\u0940 30 \u0926\u093f\u0928\u094b\u0902 \u0915\u0947 \u092d\u0940\u0924\u0930 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u092c\u0940\u092e\u093e\u0930\u0940 (\u091c\u0948\u0938\u0947 \u0921\u0947\u0902\u0917\u0942, \u092e\u0932\u0947\u0930\u093f\u092f\u093e, \u0935\u093e\u092f\u0930\u0932 \u092c\u0941\u0916\u093e\u0930 \u092f\u093e \u0926\u093f\u0932 \u0915\u0940 \u092c\u0940\u092e\u093e\u0930\u0940) \u0915\u093e \u0915\u094d\u0932\u0947\u092e \u0928\u0939\u0940\u0902 \u092e\u093f\u0932\u0924\u093e\u0964 \u0907\u0938 \u0926\u094c\u0930\u093e\u0928 \u0915\u0947\u0935\u0932 \u0906\u0915\u0938\u094d\u092e\u093f\u0915 \u0926\u0941\u0930\u094d\u0918\u091f\u0928\u093e (Accidental Emergency) \u0915\u0947 \u0915\u093e\u0930\u0923 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u0947 \u0907\u0932\u093e\u091c \u0915\u094b \u0939\u0940 \u092a\u0939\u0932\u0947 \u0926\u093f\u0928 \u0938\u0947 \u0915\u0935\u0930 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u0935\u093f\u0936\u093f\u0937\u094d\u091f \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u093e \u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921 (Specific Disease Waiting Period):<\/strong> \u092e\u094b\u0924\u093f\u092f\u093e\u092c\u093f\u0902\u0926 (Cataract), \u0939\u0930\u094d\u0928\u093f\u092f\u093e, \u092a\u0925\u0930\u0940 (Kidney Stone), \u092a\u093e\u0907\u0932\u094d\u0938 \u0914\u0930 \u0918\u0941\u091f\u0928\u0947 \u0915\u0947 \u092a\u094d\u0930\u0924\u094d\u092f\u093e\u0930\u094b\u092a\u0923 (Joint Replacement) \u091c\u0948\u0938\u0940 \u0917\u0948\u0930-\u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 1 \u0938\u0947 2 \u0938\u093e\u0932 \u0915\u093e \u0924\u092f \u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092a\u0939\u0932\u0947 \u0938\u0947 \u092e\u094c\u091c\u0942\u0926 \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u093e\u0902 (Pre-Existing Diseases &#8211; PED):<\/strong> \u092a\u0949\u0932\u093f\u0938\u0940 \u0932\u0947\u0924\u0947 \u0938\u092e\u092f \u092f\u0926\u093f \u0906\u092a\u0915\u094b \u0921\u093e\u092f\u092c\u093f\u091f\u0940\u091c, \u0939\u093e\u0908 \u092c\u094d\u0932\u0921 \u092a\u094d\u0930\u0947\u0936\u0930, \u0925\u093e\u092f\u0930\u0949\u092f\u0921 \u092f\u093e \u0905\u0938\u094d\u0925\u092e\u093e \u0939\u0948, \u0924\u094b \u0909\u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u0947 \u092e\u094c\u091c\u0942\u0926 \u092c\u0940\u092e\u093e\u0930\u0940 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0906\u0908\u0906\u0930\u0921\u0940\u090f\u0906\u0908 \u0915\u0947 \u0938\u0902\u0936\u094b\u0927\u093f\u0924 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930, \u0905\u092c \u0915\u094b\u0908 \u092d\u0940 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u092a\u0939\u0932\u0947 \u0938\u0947 \u092e\u094c\u091c\u0942\u0926 \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u094b\u0902 \u092a\u0930 \u0905\u0927\u093f\u0915\u0924\u092e 3 \u0938\u093e\u0932 (\u092a\u0939\u0932\u0947 4 \u0938\u093e\u0932 \u0925\u093e) \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0915\u093e \u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921 \u0928\u0939\u0940\u0902 \u0932\u0917\u093e \u0938\u0915\u0924\u0940\u0964 \u092a\u0949\u0932\u093f\u0938\u0940 \u0916\u0930\u0940\u0926\u0924\u0947 \u0938\u092e\u092f \u0939\u092e\u0947\u0936\u093e \u092f\u0939 \u091c\u093e\u0902\u091a\u0947\u0902 \u0915\u093f \u0915\u0902\u092a\u0928\u0940 \u092a\u0940\u0908\u0921\u0940 \u092a\u0930 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921 (1 \u092f\u093e 2 \u0938\u093e\u0932) \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0926\u0947 \u0930\u0939\u0940 \u0939\u0948 \u092f\u093e \u0928\u0939\u0940\u0902\u0964<\/p>\n<\/li>\n<\/ul>\n<p>\u0930\u0942\u092e \u0930\u0947\u0902\u091f \u0932\u093f\u092e\u093f\u091f \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u092c\u0940\u092e\u093e \u092a\u0949\u0932\u093f\u0938\u0940 \u0915\u093e \u0938\u092c\u0938\u0947 \u0916\u0924\u0930\u0928\u093e\u0915 \u0914\u0930 \u091b\u0941\u092a\u093e \u0939\u0941\u0906 \u0928\u093f\u092f\u092e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0915\u0908 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u0905\u092a\u0928\u0947 \u092a\u094d\u0932\u093e\u0928 \u092e\u0947\u0902 \u0936\u0930\u094d\u0924 \u091c\u094b\u0921\u093c \u0926\u0947\u0924\u0940 \u0939\u0948\u0902 \u0915\u093f \u092a\u094d\u0930\u0924\u093f \u0926\u093f\u0928 \u0915\u0947 \u0915\u092e\u0930\u0947 \u0915\u093e \u0915\u093f\u0930\u093e\u092f\u093e \u0915\u0941\u0932 \u0938\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u094d\u0921 \u0915\u093e \u0915\u0947\u0935\u0932 1 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 (\u0914\u0930 \u0906\u0908\u0938\u0940\u092f\u0942 \u0915\u0947 \u0932\u093f\u090f 2 \u092a\u094d\u0930\u0924\u093f\u0936\u0924) \u0939\u094b\u0917\u093e\u0964<\/p>\n<p>\u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u20b95 \u0932\u093e\u0916 \u0915\u0940 \u092a\u0949\u0932\u093f\u0938\u0940 \u0939\u0948, \u0924\u094b \u0906\u092a\u0915\u093e \u0930\u0942\u092e \u0930\u0947\u0902\u091f \u0915\u0947\u0935\u0932 \u20b95,000 \u092a\u094d\u0930\u0924\u093f \u0926\u093f\u0928 \u0924\u092f \u0939\u094b\u0917\u093e\u0964 \u0905\u092c \u092f\u0926\u093f \u0906\u092a \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u20b98,000 \u092a\u094d\u0930\u0924\u093f \u0926\u093f\u0928 \u0935\u093e\u0932\u093e \u0915\u092e\u0930\u093e \u091a\u0941\u0928 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0915\u0947\u0935\u0932 \u20b93,000 \u0915\u093e \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0915\u093f\u0930\u093e\u092f\u093e \u0939\u0940 \u0928\u0939\u0940\u0902 \u0915\u091f\u0924\u093e, \u092c\u0932\u094d\u0915\u093f &#8216;\u092a\u094d\u0930\u094b\u092a\u094b\u0930\u094d\u0936\u0928\u091f \u0921\u093f\u0921\u0915\u094d\u0936\u0928&#8217; (Proportionate Deduction) \u0915\u093e \u0928\u093f\u092f\u092e \u0932\u093e\u0917\u0942 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0924\u0939\u0924 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u092f\u0939 \u092e\u093e\u0928\u0924\u0940 \u0939\u0948 \u0915\u093f \u0906\u092a\u0928\u0947 \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u0915\u092e\u0930\u093e \u0932\u093f\u092f\u093e, \u0907\u0938\u0932\u093f\u090f \u0921\u0949\u0915\u094d\u091f\u0930 \u0935\u093f\u091c\u093f\u091f \u092b\u0940\u0938, \u0938\u0930\u094d\u091c\u0930\u0940 \u091a\u093e\u0930\u094d\u091c, \u0928\u0930\u094d\u0938\u093f\u0902\u0917 \u091a\u093e\u0930\u094d\u091c \u0914\u0930 \u0913\u091f\u0940 (OT) \u0915\u093e \u0916\u0930\u094d\u091a \u092d\u0940 \u0909\u0938\u0940 \u0905\u0928\u0941\u092a\u093e\u0924 \u092e\u0947\u0902 \u092c\u0922\u093c \u0917\u092f\u093e\u0964 \u092a\u0930\u093f\u0923\u093e\u092e \u092f\u0939 \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u093f \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0906\u092a\u0915\u0947 \u0915\u0941\u0932 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092c\u093f\u0932 \u0938\u0947 30 \u0938\u0947 40 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0924\u0915 \u0915\u0940 \u0915\u091f\u094c\u0924\u0940 \u0915\u0930 \u0926\u0947\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p><strong>\u0938\u0932\u093e\u0939:<\/strong> \u0939\u092e\u0947\u0936\u093e \u0910\u0938\u0940 \u092a\u0949\u0932\u093f\u0938\u0940 \u091a\u0941\u0928\u0947\u0902 \u091c\u093f\u0938\u092e\u0947\u0902 &#8216;No Room Rent Capping&#8217; \u092f\u093e\u0928\u0940 \u0915\u092e\u0930\u0947 \u0915\u0947 \u0915\u093f\u0930\u093e\u090f \u092a\u0930 \u0915\u094b\u0908 \u092a\u093e\u092c\u0902\u0926\u0940 \u0928 \u0939\u094b \u092f\u093e \u0915\u092e \u0938\u0947 \u0915\u092e &#8216;Single Private AC Room&#8217; \u0924\u0915 \u0915\u0940 \u0938\u094d\u092a\u0937\u094d\u091f \u0905\u0928\u0941\u092e\u0924\u093f \u0939\u094b\u0964<\/p>\n<p>\u0915\u094b-\u092a\u0947\u092e\u0947\u0902\u091f \u0915\u093e \u0938\u0940\u0927\u093e \u0905\u0930\u094d\u0925 \u0939\u0948 \u0915\u093f \u0907\u0932\u093e\u091c \u0915\u0947 \u0915\u0941\u0932 \u092c\u093f\u0932 \u0915\u093e \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0939\u093f\u0938\u094d\u0938\u093e \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0940 \u091c\u0947\u092c \u0938\u0947 \u0935\u0939\u0928 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e \u0914\u0930 \u0936\u0947\u0937 \u0930\u093e\u0936\u093f \u0939\u0940 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0926\u0947\u0917\u0940\u0964 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u092a\u0949\u0932\u093f\u0938\u0940 \u092e\u0947\u0902 20% \u0915\u093e \u0915\u094b-\u092a\u0947\u092e\u0947\u0902\u091f \u0915\u094d\u0932\u0949\u091c \u0939\u0948 \u0914\u0930 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u0915\u093e \u092b\u093e\u0907\u0928\u0932 \u092c\u093f\u0932 \u20b92,00,000 \u0906\u0924\u093e \u0939\u0948, \u0924\u094b \u20b940,000 \u0906\u092a\u0915\u094b \u0916\u0941\u0926 \u0926\u0947\u0928\u0947 \u0939\u094b\u0902\u0917\u0947 \u0914\u0930 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0915\u0947\u0935\u0932 \u20b91,60,000 \u0915\u093e \u0939\u0940 \u0915\u094d\u0932\u0947\u092e \u092a\u093e\u0938 \u0915\u0930\u0947\u0917\u0940\u0964<\/p>\n<p>\u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u0905\u0915\u094d\u0938\u0930 60 \u0935\u0930\u094d\u0937 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0909\u092e\u094d\u0930 \u0915\u0947 \u0935\u0930\u093f\u0937\u094d\u0920 \u0928\u093e\u0917\u0930\u093f\u0915\u094b\u0902 \u0915\u0940 \u092a\u0949\u0932\u093f\u0938\u0940 \u092e\u0947\u0902, \u092f\u093e \u092d\u094c\u0917\u094b\u0932\u093f\u0915 \u091c\u094b\u0928 (Zone A vs Zone B &#8211; \u091c\u0948\u0938\u0947 \u0926\u093f\u0932\u094d\u0932\u0940\/\u092e\u0941\u0902\u092c\u0908 \u092c\u0928\u093e\u092e \u0932\u0916\u0928\u090a\/\u0915\u093e\u0928\u092a\u0941\u0930) \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u094b-\u092a\u0947\u092e\u0947\u0902\u091f \u0915\u0940 \u0936\u0930\u094d\u0924 \u091c\u094b\u0921\u093c \u0926\u0947\u0924\u0940 \u0939\u0948\u0902\u0964 \u0915\u092e \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u0915\u0947 \u0932\u093e\u0932\u091a \u092e\u0947\u0902 \u0915\u0908 \u092f\u0941\u0935\u093e \u092d\u0940 \u0915\u094b-\u092a\u0947\u092e\u0947\u0902\u091f \u0935\u093e\u0932\u093e \u092a\u094d\u0932\u093e\u0928 \u0932\u0947 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u092c\u093e\u0926 \u092e\u0947\u0902 \u092d\u093e\u0930\u0940 \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964 \u092a\u0949\u0932\u093f\u0938\u0940 \u0932\u0947\u0924\u0947 \u0938\u092e\u092f \u092f\u0939 \u092a\u0915\u094d\u0915\u093e \u0915\u0930\u0947\u0902 \u0915\u093f \u092c\u0947\u0938 \u092a\u0949\u0932\u093f\u0938\u0940 \u092e\u0947\u0902 &#8216;Zero Co-payment&#8217; \u0915\u093e \u0915\u094d\u0932\u0949\u091c \u0939\u094b\u0964 \u0907\u0938\u0940 \u0924\u0930\u0939 &#8216;\u0921\u093f\u0921\u0915\u094d\u091f\u093f\u092c\u0932&#8217; (Deductible) \u0935\u0939 \u092c\u0947\u0938 \u0930\u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0947 \u092a\u093e\u0930 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0939\u0940 \u092c\u0940\u092e\u093e \u0915\u093e \u0915\u094d\u0932\u0947\u092e \u0936\u0941\u0930\u0942 \u0939\u094b\u0924\u093e \u0939\u0948; \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u092a\u0949\u0932\u093f\u0938\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0921\u093f\u0921\u0915\u094d\u091f\u093f\u092c\u0932 \u0915\u094d\u0932\u0949\u091c \u0938\u0947 \u092c\u091a\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n<p>\u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u092d\u0930\u094d\u0924\u0940 \u0939\u094b\u0928\u0947 \u092a\u0930 \u092b\u093e\u0907\u0928\u0932 \u092c\u093f\u0932 \u0915\u093e 10 \u0938\u0947 15 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0939\u093f\u0938\u094d\u0938\u093e \u0910\u0938\u0940 \u091a\u0940\u091c\u094b\u0902 \u0915\u093e \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u092c\u0940\u092e\u093e \u0915\u0940 \u0924\u0915\u0928\u0940\u0915\u0940 \u092d\u093e\u0937\u093e \u092e\u0947\u0902 &#8216;\u0915\u0902\u091c\u094d\u092f\u0942\u092e\u0947\u092c\u0932\u094d\u0938&#8217; (Consumables \/ Non-Medical Items) \u0915\u0939\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u092e\u0947\u0902 \u0926\u0938\u094d\u0924\u093e\u0928\u0947 (Gloves), \u0938\u093f\u0930\u093f\u0902\u091c, \u0938\u0930\u094d\u091c\u093f\u0915\u0932 \u091f\u0947\u092a, \u092a\u0940\u092a\u0940\u0908 \u0915\u093f\u091f, \u0915\u0949\u091f\u0928, \u0925\u0930\u094d\u092e\u093e\u092e\u0940\u091f\u0930, \u0921\u093e\u092f\u092a\u0930, \u092a\u094d\u0930\u0936\u093e\u0938\u0928\u093f\u0915 \u092b\u093e\u0907\u0932\u093f\u0902\u0917 \u091a\u093e\u0930\u094d\u091c \u0914\u0930 \u0921\u093f\u0938\u094d\u091a\u093e\u0930\u094d\u091c \u0938\u092e\u0930\u0940 \u0936\u0941\u0932\u094d\u0915 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p>\u0906\u0908\u0906\u0930\u0921\u0940\u090f\u0906\u0908 \u0915\u0940 \u092e\u093e\u0928\u0915 \u0938\u0942\u091a\u0940 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930, \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u092c\u0940\u092e\u093e \u092a\u0949\u0932\u093f\u0938\u093f\u092f\u093e\u0902 \u0907\u0928 \u0928\u0949\u0928-\u092e\u0947\u0921\u093f\u0915\u0932 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 \u20b93 \u0932\u093e\u0916 \u0915\u0947 \u092c\u093f\u0932 \u092e\u0947\u0902 \u0932\u0917\u092d\u0917 \u20b930,000 \u0938\u0947 \u20b945,000 \u0915\u093e \u0916\u0930\u094d\u091a \u0915\u0947\u0935\u0932 \u0915\u0902\u091c\u094d\u092f\u0942\u092e\u0947\u092c\u0932\u094d\u0938 \u0915\u093e \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 \u092c\u091a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0949\u0932\u093f\u0938\u0940 \u0932\u0947\u0924\u0947 \u0938\u092e\u092f \u0928\u093e\u092e\u092e\u093e\u0924\u094d\u0930 \u0915\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u092a\u0930 &#8216;\u0915\u0902\u091c\u094d\u092f\u0942\u092e\u0947\u092c\u0932\u094d\u0938 \u0915\u0935\u0930&#8217; (Consumables Rider \/ Claim Shield) \u0915\u093e \u0930\u093e\u0907\u0921\u0930 \u091c\u0930\u0942\u0930 \u091c\u094b\u0921\u093c\u0947\u0902\u0964 \u092f\u0939 \u091b\u094b\u091f\u093e \u0938\u093e \u0930\u093e\u0907\u0921\u0930 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u0915\u0947 \u0907\u0928 \u0938\u092d\u0940 \u0930\u094b\u091c\u092e\u0930\u094d\u0930\u093e \u0915\u0947 \u092e\u0947\u0921\u093f\u0915\u0932 \u0938\u093e\u092e\u093e\u0928\u094b\u0902 \u0915\u093e \u092a\u0942\u0930\u093e \u092c\u093f\u0932 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0938\u0947 \u092a\u093e\u0938 \u0915\u0930\u0935\u093e \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0940\u092e\u093e\u0930\u0940 \u0915\u093e \u0907\u0932\u093e\u091c \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u092d\u0930\u094d\u0924\u0940 \u0939\u094b\u0928\u0947 \u0938\u0947 \u0915\u0908 \u0926\u093f\u0928 \u092a\u0939\u0932\u0947 \u0936\u0941\u0930\u0942 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u091b\u0941\u091f\u094d\u091f\u0940 \u092e\u093f\u0932\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u0932\u0902\u092c\u0947 \u0938\u092e\u092f \u0924\u0915 \u091a\u0932\u0924\u093e \u0930\u0939\u0924\u093e \u0939\u0948\u0964 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u0926\u093e\u0916\u093f\u0932 \u0939\u094b\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0915\u0930\u093e\u090f \u0917\u090f \u0921\u0949\u0915\u094d\u091f\u0930 \u0915\u0902\u0938\u0932\u094d\u091f\u0947\u0936\u0928, \u090f\u092e\u0906\u0930\u0906\u0908, \u0938\u0940\u091f\u0940 \u0938\u094d\u0915\u0948\u0928, \u092c\u094d\u0932\u0921 \u091f\u0947\u0938\u094d\u091f \u0914\u0930 \u0938\u094b\u0928\u094b\u0917\u094d\u0930\u093e\u092b\u0940 \u0915\u0947 \u0916\u0930\u094d\u091a\u0947 &#8216;\u092a\u094d\u0930\u0940-\u0939\u0949\u0938\u094d\u092a\u093f\u091f\u0932\u093e\u0907\u091c\u0947\u0936\u0928&#8217; \u0915\u0939\u0932\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0935\u0939\u0940\u0902, \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u0938\u0947 \u0921\u093f\u0938\u094d\u091a\u093e\u0930\u094d\u091c \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 2 \u0938\u0947 3 \u092e\u0939\u0940\u0928\u0947 \u0924\u0915 \u091a\u0932\u0928\u0947 \u0935\u093e\u0932\u0940 \u0926\u0935\u093e\u0907\u092f\u093e\u0902, \u0921\u094d\u0930\u0947\u0938\u093f\u0902\u0917, \u092b\u093f\u091c\u093f\u092f\u094b\u0925\u0947\u0930\u0947\u092a\u0940 \u0914\u0930 \u092b\u0949\u0932\u094b-\u0905\u092a \u091a\u0947\u0915\u0905\u092a \u0915\u0947 \u0916\u0930\u094d\u091a &#8216;\u092a\u094b\u0938\u094d\u091f-\u0939\u0949\u0938\u094d\u092a\u093f\u091f\u0932\u093e\u0907\u091c\u0947\u0936\u0928&#8217; \u0915\u0947 \u0926\u093e\u092f\u0930\u0947 \u092e\u0947\u0902 \u0906\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p>\u090f\u0915 \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u092a\u0949\u0932\u093f\u0938\u0940 \u0935\u0939\u0940 \u092e\u093e\u0928\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948 \u091c\u093f\u0938\u092e\u0947\u0902 \u0915\u092e \u0938\u0947 \u0915\u092e:<\/p>\n<ul>\n<li>\n<p><strong>\u092a\u094d\u0930\u0940-\u0939\u0949\u0938\u094d\u092a\u093f\u091f\u0932\u093e\u0907\u091c\u0947\u0936\u0928:<\/strong> \u0928\u094d\u092f\u0942\u0928\u0924\u092e 60 \u0926\u093f\u0928 (\u0915\u092e \u0938\u0947 \u0915\u092e 30 \u0926\u093f\u0928 \u092e\u093e\u0928\u0915)\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092a\u094b\u0938\u094d\u091f-\u0939\u0949\u0938\u094d\u092a\u093f\u091f\u0932\u093e\u0907\u091c\u0947\u0936\u0928:<\/strong> \u0928\u094d\u092f\u0942\u0928\u0924\u092e 90 \u0926\u093f\u0928 \u0938\u0947 \u0932\u0947\u0915\u0930 180 \u0926\u093f\u0928 \u0924\u0915 \u0915\u093e \u0915\u0935\u0930\u0947\u091c \u092e\u093f\u0932\u0947\u0964<\/p>\n<p>\u0905\u0915\u094d\u0938\u0930 \u0932\u094b\u0917 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u0938\u0947 \u091b\u0941\u091f\u094d\u091f\u0940 \u092e\u093f\u0932\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0907\u0928 \u0913\u092a\u0940\u0921\u0940 \u0914\u0930 \u091c\u093e\u0902\u091a \u0915\u0947 \u092c\u093f\u0932\u094b\u0902 \u0915\u094b \u0938\u0902\u092d\u093e\u0932 \u0915\u0930 \u0928\u0939\u0940\u0902 \u0930\u0916\u0924\u0947\u0964 \u092f\u0926\u093f \u0906\u092a \u0921\u093f\u0938\u094d\u091a\u093e\u0930\u094d\u091c \u0915\u0947 \u092c\u093e\u0926 \u0938\u092d\u0940 \u0913\u0930\u093f\u091c\u093f\u0928\u0932 \u092c\u093f\u0932 \u0914\u0930 \u0921\u0949\u0915\u094d\u091f\u0930 \u0915\u0947 \u092a\u0930\u094d\u091a\u0947 (Prescriptions) 30 \u0926\u093f\u0928\u094b\u0902 \u0915\u0947 \u092d\u0940\u0924\u0930 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0915\u094b \u0938\u092c\u092e\u093f\u091f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0939 \u092a\u0942\u0930\u093e \u092a\u0948\u0938\u093e \u0906\u092a\u0915\u0947 \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0930\u093f\u0907\u0902\u092c\u0930\u094d\u0938 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<\/ul>\n<p>\u092f\u0926\u093f \u090f\u0915 \u0939\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937 \u092e\u0947\u0902 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0947 \u0926\u094b \u0938\u0926\u0938\u094d\u092f \u092c\u0940\u092e\u093e\u0930 \u092a\u0921\u093c \u091c\u093e\u090f\u0902 \u092f\u093e \u0915\u093f\u0938\u0940 \u090f\u0915 \u0938\u0926\u0938\u094d\u092f \u0915\u093e \u0932\u0902\u092c\u093e \u0907\u0932\u093e\u091c \u091a\u0932\u0947, \u0924\u094b \u0915\u094d\u092f\u093e \u092a\u0949\u0932\u093f\u0938\u0940 \u0915\u093e \u0938\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u094d\u0921 \u0916\u0924\u094d\u092e \u0939\u094b\u0928\u0947 \u092a\u0930 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0926\u094b\u092c\u093e\u0930\u093e \u092c\u0948\u0915\u0905\u092a \u0926\u0947\u0917\u0940? \u0907\u0938\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u094b &#8216;\u0930\u0940\u0938\u094d\u091f\u094b\u0930\u0947\u0936\u0928&#8217; \u092f\u093e &#8216;\u0930\u093f\u092b\u093f\u0932 \u092c\u0947\u0928\u093f\u092b\u093f\u091f&#8217; (Restoration Benefit) \u0915\u0939\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u092a\u0949\u0932\u093f\u0938\u0940 \u092e\u0947\u0902 \u0930\u0940\u0938\u094d\u091f\u094b\u0930\u0947\u0936\u0928 \u0915\u0940 \u0926\u094b \u092e\u0941\u0916\u094d\u092f \u0936\u0930\u094d\u0924\u0947\u0902 \u091c\u0930\u0942\u0930 \u091c\u093e\u0902\u091a\u0947\u0902:<\/p>\n<ol>\n<li>\n<p>\u0915\u094d\u092f\u093e \u092f\u0939 &#8216;\u0909\u0938\u0940 \u092c\u0940\u092e\u093e\u0930\u0940&#8217; (Same Illness) \u0915\u0947 \u0926\u094b\u092c\u093e\u0930\u093e \u0909\u092d\u0930\u0928\u0947 \u092a\u0930 \u0915\u093e\u092e \u0915\u0930\u0947\u0917\u093e \u092f\u093e \u0915\u0947\u0935\u0932 &#8216;\u0905\u0932\u0917 \u092c\u0940\u092e\u093e\u0930\u0940&#8217; (Different Illness) \u0915\u0947 \u0932\u093f\u090f \u0939\u0940 \u092a\u0948\u0938\u093e \u0930\u093f\u0938\u094d\u091f\u094b\u0930 \u0939\u094b\u0917\u093e? \u0906\u0927\u0941\u0928\u093f\u0915 \u092a\u0949\u0932\u093f\u0938\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0909\u0938\u0940 \u092c\u0940\u092e\u093e\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 100% \u0905\u0928\u0932\u093f\u092e\u093f\u091f\u0947\u0921 \u0930\u0940\u0938\u094d\u091f\u094b\u0930\u0947\u0936\u0928 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p>\u0915\u094d\u092f\u093e \u0930\u0940\u0938\u094d\u091f\u094b\u0930\u0947\u0936\u0928 \u0938\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u094d\u0921 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0936\u0942\u0928\u094d\u092f \u0939\u094b\u0928\u0947 \u092a\u0930 \u091f\u094d\u0930\u093f\u0917\u0930 \u0939\u094b\u0924\u093e \u0939\u0948 \u092f\u093e \u0906\u0902\u0936\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0916\u0924\u094d\u092e \u0939\u094b\u0928\u0947 \u092a\u0930 \u092d\u0940 \u0936\u0941\u0930\u0942 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948?<\/p>\n<\/li>\n<\/ol>\n<p>\u0907\u0938\u0915\u0947 \u0938\u093e\u0925 \u0939\u0940 &#8216;\u0928\u094b \u0915\u094d\u0932\u0947\u092e \u092c\u094b\u0928\u0938&#8217; (NCB) \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902\u0964 \u092f\u0926\u093f \u0906\u092a \u0915\u093f\u0938\u0940 \u0938\u093e\u0932 \u0915\u094b\u0908 \u0915\u094d\u0932\u0947\u092e \u0928\u0939\u0940\u0902 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0905\u091a\u094d\u091b\u0940 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u0906\u092a\u0915\u0947 \u0938\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u094d\u0921 \u0915\u094b \u092c\u093f\u0928\u093e \u0915\u094b\u0908 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u0932\u093f\u090f 10% \u0938\u0947 \u0932\u0947\u0915\u0930 50% \u0924\u0915 \u092c\u0922\u093c\u093e \u0926\u0947\u0924\u0940 \u0939\u0948\u0902\u0964 \u0915\u0941\u091b \u092a\u0949\u0932\u093f\u0938\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 5 \u0935\u0930\u094d\u0937\u094b\u0902 \u092e\u0947\u0902 \u0938\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u094d\u0921 100% \u0938\u0947 \u0932\u0947\u0915\u0930 500% \u0924\u0915 (\u0938\u0941\u092a\u0930 \u090f\u0928\u0938\u0940\u092c\u0940 \u0930\u093e\u0907\u0921\u0930 \u0915\u0947 \u0938\u093e\u0925) \u092c\u0922\u093c \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u094b \u092e\u0939\u0902\u0917\u093e\u0908 \u0938\u0947 \u0932\u0921\u093c\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u092e\u091c\u092c\u0942\u0924 \u0939\u0925\u093f\u092f\u093e\u0930 \u0939\u0948\u0964<\/p>\n<p>\u0906\u0908\u0906\u0930\u0921\u0940\u090f\u0906\u0908 \u0928\u0947 \u0926\u0947\u0936 \u092d\u0930 \u092e\u0947\u0902 &#8216;\u0915\u0948\u0936\u0932\u0947\u0938 \u090f\u0935\u0930\u0940\u0935\u0947\u092f\u0930&#8217; (Cashless Everywhere) \u0915\u0940 \u0915\u094d\u0930\u093e\u0902\u0924\u093f\u0915\u093e\u0930\u0940 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0932\u093e\u0917\u0942 \u0915\u0940 \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u0924\u0939\u0924 \u092c\u0940\u092e\u093e\u0927\u093e\u0930\u0915 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0910\u0938\u0947 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u0915\u0948\u0936\u0932\u0947\u0938 \u0907\u0932\u093e\u091c \u0915\u0930\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u091c\u094b \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0907\u0938 \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 \u0915\u0941\u091b \u092a\u0942\u0930\u094d\u0935-\u0936\u0930\u094d\u0924\u0947\u0902 \u0939\u0948\u0902 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u091c\u093e\u0928\u0928\u093e \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0939\u0948\u0964<\/p>\n<p>\u092f\u0926\u093f \u0938\u0930\u094d\u091c\u0930\u0940 \u092f\u093e \u0907\u0932\u093e\u091c \u092a\u0939\u0932\u0947 \u0938\u0947 \u0928\u093f\u092f\u094b\u091c\u093f\u0924 (Planned Treatment) \u0939\u0948, \u0924\u094b \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u092d\u0930\u094d\u0924\u0940 \u0939\u094b\u0928\u0947 \u0938\u0947 \u0915\u092e \u0938\u0947 \u0915\u092e 48 \u0918\u0902\u091f\u0947 \u092a\u0939\u0932\u0947 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u092f\u093e \u091f\u0940\u092a\u0940\u090f \u0915\u094b \u0938\u0942\u091a\u0928\u093e \u0926\u0947\u0928\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092f\u0926\u093f \u0915\u094b\u0908 \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u0938\u094d\u0925\u093f\u0924\u093f (Emergency Admission) \u0939\u0948, \u0924\u094b \u092d\u0930\u094d\u0924\u0940 \u0939\u094b\u0928\u0947 \u0915\u0947 24 \u0938\u0947 48 \u0918\u0902\u091f\u0947 \u0915\u0947 \u092d\u0940\u0924\u0930 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0915\u094b \u0907\u0902\u091f\u093f\u092e\u0947\u091f \u0915\u0930\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u092a\u0949\u0932\u093f\u0938\u0940 \u0932\u0947\u0924\u0947 \u0938\u092e\u092f \u092f\u0939 \u091c\u093e\u0902\u091a\u0947\u0902 \u0915\u093f \u0906\u092a\u0915\u0947 \u0936\u0939\u0930, \u091c\u093f\u0932\u0947 \u092f\u093e \u0906\u0938\u092a\u093e\u0938 \u0915\u0947 \u092a\u094d\u0930\u092e\u0941\u0916 \u092e\u0932\u094d\u091f\u0940-\u0938\u094d\u092a\u0947\u0936\u093f\u092f\u0932\u093f\u091f\u0940 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u0909\u0938 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 \u090f\u0915\u094d\u091f\u093f\u0935 \u0915\u0948\u0936\u0932\u0947\u0938 \u092a\u0948\u0928\u0932 \u092a\u0930 \u0939\u0948\u0902 \u092f\u093e \u0928\u0939\u0940\u0902\u0964 \u092f\u0926\u093f \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092c\u094d\u0932\u0948\u0915\u0932\u093f\u0938\u094d\u091f\u0947\u0921 (Excluded Hospitals) \u0936\u094d\u0930\u0947\u0923\u0940 \u092e\u0947\u0902 \u0939\u094b\u0917\u093e, \u0924\u094b \u0935\u0939\u093e\u0902 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u0942\u0930\u0924 \u092e\u0947\u0902 \u0915\u094d\u0932\u0947\u092e \u0928\u0939\u0940\u0902 \u092e\u093f\u0932\u0947\u0917\u093e\u0964<\/p>\n<p>\u092a\u0949\u0932\u093f\u0938\u0940 \u0915\u093e \u091a\u0941\u0928\u093e\u0935 \u0906\u0938\u093e\u0928 \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u0941\u0916\u094d\u092f \u0905\u0902\u0924\u0930\u094b\u0902 \u0915\u094b \u0907\u0938 \u0924\u093e\u0932\u093f\u0915\u093e \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u092e\u091d\u0947\u0902:<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>\u092a\u0948\u092e\u093e\u0928\u093e \/ \u092b\u0940\u091a\u0930<\/strong><\/td>\n<td><strong>\u091c\u094b\u0916\u093f\u092e \u092d\u0930\u093e \u092a\u094d\u0932\u093e\u0928 (\u092c\u091a\u0928\u0947 \u092f\u094b\u0917\u094d\u092f)<\/strong><\/td>\n<td><strong>\u0906\u0926\u0930\u094d\u0936 \u092a\u0949\u0932\u093f\u0938\u0940 (\u0916\u0930\u0940\u0926\u0928\u0947 \u092f\u094b\u0917\u094d\u092f)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u0930\u0942\u092e \u0930\u0947\u0902\u091f \u0932\u093f\u092e\u093f\u091f<\/strong><\/td>\n<td>\u0938\u092e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u094d\u0921 \u0915\u093e 1% \u092f\u093e \u0924\u092f \u20b93,000\/\u0926\u093f\u0928<\/td>\n<td>\u0928\u094b \u0930\u0942\u092e \u0930\u0947\u0902\u091f \u0915\u0948\u092a\u093f\u0902\u0917 \/ \u0938\u093f\u0902\u0917\u0932 \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u090f\u0938\u0940 \u0930\u0942\u092e<\/td>\n<\/tr>\n<tr>\n<td><strong>\u092a\u0940\u0908\u0921\u0940 \u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921<\/strong><\/td>\n<td>3 \u0938\u0947 4 \u0938\u093e\u0932 \u0915\u093e \u0932\u0902\u092c\u093e \u0907\u0902\u0924\u091c\u093e\u0930<\/td>\n<td>1 \u0938\u0947 2 \u0938\u093e\u0932 \u0915\u093e \u0915\u092e \u0935\u0947\u091f\u093f\u0902\u0917 \u092a\u0940\u0930\u093f\u092f\u0921 (\u0930\u093e\u0907\u0921\u0930 \u0915\u0947 \u0938\u093e\u0925)<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0915\u094b-\u092a\u0947\u092e\u0947\u0902\u091f \u0915\u094d\u0932\u0949\u091c<\/strong><\/td>\n<td>10% \u0938\u0947 20% \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0915\u094b-\u092a\u0947\u092e\u0947\u0902\u091f<\/td>\n<td>0% (Zero Co-pay) \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0915\u0902\u091c\u094d\u092f\u0942\u092e\u0947\u092c\u0932\u094d\u0938 \u0916\u0930\u094d\u091a<\/strong><\/td>\n<td>\u0938\u094d\u0935\u092f\u0902 \u0935\u0939\u0928 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e (10-15% \u0915\u091f\u094c\u0924\u0940)<\/td>\n<td>\u0915\u0902\u091c\u094d\u092f\u0942\u092e\u0947\u092c\u0932\u094d\u0938 \u0930\u093e\u0907\u0921\u0930 \u0915\u0947 \u0924\u0939\u0924 100% \u0915\u0935\u0930<\/td>\n<\/tr>\n<tr>\n<td><strong>\u092a\u094b\u0938\u094d\u091f-\u0939\u0949\u0938\u094d\u092a\u093f\u091f\u0932\u093e\u0907\u091c\u0947\u0936\u0928<\/strong><\/td>\n<td>\u092e\u093e\u0924\u094d\u0930 30 \u0938\u0947 60 \u0926\u093f\u0928<\/td>\n<td>90 \u0938\u0947 180 \u0926\u093f\u0928 \u0924\u0915 \u0915\u093e \u0915\u0935\u0930\u0947\u091c<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0930\u0940\u0938\u094d\u091f\u094b\u0930\u0947\u0936\u0928 \u0938\u0941\u0935\u093f\u0927\u093e<\/strong><\/td>\n<td>\u0915\u0947\u0935\u0932 \u0905\u0932\u0917 \u092c\u0940\u092e\u093e\u0930\u0940 \u092a\u0930 \u090f\u0915 \u092c\u093e\u0930<\/td>\n<td>\u0909\u0938\u0940 \u092c\u0940\u092e\u093e\u0930\u0940 \u092a\u0930 \u092d\u0940 100% \u0905\u0928\u0932\u093f\u092e\u093f\u091f\u0947\u0921 \u0930\u093f\u0938\u094d\u091f\u094b\u0930<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u092a\u0949\u0932\u093f\u0938\u0940 \u0915\u0940 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0905\u0932\u093e\u0935\u093e \u0915\u094d\u0932\u0947\u092e \u0915\u0947 \u0938\u092e\u092f \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u092a\u0947\u0902\u091a \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0915\u0940 \u0905\u092a\u0928\u0940 \u0917\u0932\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u092b\u0902\u0938\u0924\u093e \u0939\u0948\u0964 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 \u0926\u093e\u0935\u094b\u0902 \u0915\u094b \u0916\u093e\u0930\u093f\u091c \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0915\u093e\u0928\u0942\u0928\u0940 \u0906\u0927\u093e\u0930 &#8216;\u0924\u0925\u094d\u092f\u094b\u0902 \u0915\u094b \u091b\u0941\u092a\u093e\u0928\u093e&#8217; (Non-Disclosure of Material Facts) \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0926\u093f \u0906\u092a\u0915\u094b \u092c\u0940\u092a\u0940, \u0936\u0941\u0917\u0930, \u0925\u093e\u092f\u0930\u0949\u092f\u0921 \u0939\u0948, \u092f\u093e \u0906\u092a \u0938\u093f\u0917\u0930\u0947\u091f\/\u0936\u0930\u093e\u092c \u0915\u093e \u0938\u0947\u0935\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935 \u092a\u0924\u094d\u0930 (Proposal Form) \u092e\u0947\u0902 \u0907\u0938\u0915\u093e 100% \u0938\u091a-\u0938\u091a \u0916\u0941\u0932\u093e\u0938\u093e \u0915\u0930\u0947\u0902\u0964 \u092d\u0932\u0947 \u0939\u0940 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0915\u0902\u092a\u0928\u0940 \u0906\u092a\u0938\u0947 \u20b91,000 \u0905\u0927\u093f\u0915 \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u092e\u093e\u0902\u0917 \u0932\u0947 \u092f\u093e \u092e\u0947\u0921\u093f\u0915\u0932 \u091a\u0947\u0915\u0905\u092a \u0915\u0930\u093e\u090f, \u0932\u0947\u0915\u093f\u0928 \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u0906\u092a\u0915\u093e \u0915\u094d\u0932\u0947\u092e \u0915\u092d\u0940 \u0930\u093f\u091c\u0947\u0915\u094d\u091f \u0928\u0939\u0940\u0902 \u0939\u094b\u0917\u093e\u0964<\/p>\n<p>\u0907\u0938\u0915\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924, \u0906\u0908\u0906\u0930\u0921\u0940\u090f\u0906\u0908 \u0915\u093e &#8216;\u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u092a\u0940\u0930\u093f\u092f\u0921&#8217; (Moratorium Period) \u0928\u093f\u092f\u092e \u092f\u093e\u0926 \u0930\u0916\u0947\u0902\u0964 \u0928\u090f \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0924\u0939\u0924 \u092f\u0926\u093f \u0915\u093f\u0938\u0940 \u092a\u0949\u0932\u093f\u0938\u0940\u0927\u093e\u0930\u0915 \u0928\u0947 \u0932\u0917\u093e\u0924\u093e\u0930 5 \u0935\u0930\u094d\u0937 (60 \u092e\u093e\u0939) \u0924\u0915 \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u092c\u094d\u0930\u0947\u0915 \u0915\u0947 \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u092d\u0930\u093e \u0939\u0948, \u0924\u094b 5 \u0938\u093e\u0932 \u092a\u0942\u0930\u0947 \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u0915\u093f\u0938\u0940 \u092d\u0940 \u092a\u0941\u0930\u093e\u0928\u0947 \u0930\u094b\u0917 \u092f\u093e \u0917\u0948\u0930-\u0916\u0941\u0932\u093e\u0938\u0947 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u094d\u0932\u0947\u092e \u0916\u093e\u0930\u093f\u091c \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u0940 (\u0938\u093f\u0935\u093e\u092f \u0938\u0940\u0927\u0947 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0947)\u0964 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u092e\u0947\u0902 \u092d\u0930\u094d\u0924\u0940 \u0939\u094b\u0924\u0947 \u0939\u0940 \u0905\u092a\u0928\u0947 \u091f\u0940\u092a\u0940\u090f \u0921\u0947\u0938\u094d\u0915 \u0915\u094b \u0938\u0939\u0940 \u092a\u0949\u0932\u093f\u0938\u0940 \u0928\u0902\u092c\u0930 \u0926\u0947\u0902, \u0921\u0949\u0915\u094d\u091f\u0930 \u0915\u0940 \u092a\u0939\u0932\u0940 \u0913\u092a\u0940\u0921\u0940 \u092a\u0930\u094d\u091a\u0940 \u0914\u0930 \u0938\u092d\u0940 \u092a\u0948\u0925\u094b\u0932\u0949\u091c\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u094d\u0938 \u0915\u094b \u0938\u0902\u092d\u093e\u0932 \u0915\u0930 \u0930\u0916\u0947\u0902\u0964 \u0938\u0939\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0914\u0930 \u0907\u0928 7 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u093e \u0938\u092e\u092f \u0930\u0939\u0924\u0947 \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923 \u0939\u0940 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0947\u0917\u093e \u0915\u093f \u092c\u0940\u092e\u093e\u0930\u0940 \u0915\u0947 \u0915\u0920\u093f\u0928 \u0935\u0915\u094d\u0924 \u092e\u0947\u0902 \u0906\u092a\u0915\u093e \u0939\u0947\u0932\u094d\u0925 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