-ookFeel_PolicySchedule_GHI PICICAE Lombard Page 17 of 21 GROUP HEALTH (FLOATER) INSURANCE being expressly agreed and declared that if the Company shal iscaim liability for any claim hereundor and such claim shall not within 12 calendar months from the date of te disclaimer have beon made the subject matter of Suit in court of lw than th claim shall for all purposes be doomed to have boon ‘abandoned and shall not thoreafar be recoverable hereunder POLICY RELATED TERMS AND CONDITIONS 8) Claim must be fled within 30 days from the dato oF completion of “weatment” However, tho Company may at its discretion consider waiver ‘batod on merits f the elim, where thor fe delay in imimation or in submiasion of documents du 1 Unavoidabl ercumstancos and it i proved that the delay was for reasons beyond the contol of ‘tho Insured and under the ercumstonces in which ‘the insured was placed it was not possible for him fF any other person to give such notice or filo lain within the prescribod time-timt 1b) Tho Insured Person shal obtain and furnish the Company with al original bil, receipts and other {documents upon which claim ls based and shell, ‘iso give the Company such addtional information and sistance as the Company may equi in dealing withthe cai, ©) Any medical. practitioner authorised by the ‘Company shal be allowed to examine the Insured Person in case of any alleged isoasos, Hiness, accident or injuries requiring Hospitaliation oF Domiciiary Hospialisaion whan and so often os ‘the same mey reasonably be required on behal of the Company. http://10.24.153.25/Configurator/ HTML ReportSource/zrhslb5Savnuuczy2hokfz4SUC_Loo.. ) All medicasurgical treatment under thi policy ‘hall have to be taken in nda unless agreed upon Jn Par | of the Policy) and admissible claims ‘thereof shal be payable in Indian currency @1 Low Claim Rato Discount (Bonus): Low Claim Ratio Discount will be allowed on the total premium at renewal depending upon the incurred lls ratio fr the erie group insured undo the (Group ‘Mosilain Insurance Policy as mutually agroed by the insured and the insurer. High Claim Ratio loading (Malus: The Totat Pramium payable at renewal ofthe Group Policy ‘wil be loaded “depending upon the incurred Claims rato forthe entre group insured under the Group Maciclsim insurance Policy as mutually ‘agreed by the insured and the insurer ‘© Incurred claim would mean claims pad, claims outstanding end claime incurred. but not reported (INR) in respect of the entire group Insured under the policy during the relevant period TERMS OF RENEWAL 2) The Policy can be renewed as 9 separate contract under tho thon provaiing ICI! Lombré Group Health Insurance product or its nearest substitute (in case the product ICIc! Lombard Group Hosth Insurance is withdrawn by the Company) ‘approved by RDA. 1) The policy shall orinarly be renewable except on ‘rounds of fraud, moral hazard or Imisrepresentation or non cooperation by the Ineured 9/9/2016