Home › Knowledge library › IMT Endorsements › IMT-35 — Hospital Cash / Medical Reimbursement
⚙ IMT Endorsements

IMT-35 — Hospital Cash / Medical Reimbursement

IMT-35 — Hospital Cash / Medical Reimbursement. A specified hospital-cash / per-day in-patient benefit, or a lump-sum medical-expenses reimbursement, for. — DigiSurvey.

What it covers क्या कवर होता है

A specified hospital-cash / per-day in-patient benefit, or a lump-sum medical-expenses reimbursement, for the insured and the driver / unnamed occupants in the event of injury from a covered motor accident. Separate from CPA.

एक specified hospital-cash / प्रति-दिन in-patient benefit, या lump-sum medical-expenses reimbursement — covered motor accident में चोट लगने पर बीमित और driver / unnamed occupants के लिए। CPA से अलग।

Policy wording sample"IMT-35 — Medical / Hospital Cash. It is hereby agreed and declared that in the event of injury to any person travelling in the insured vehicle, consequent to an accident covered under this policy, the Company shall pay a hospital-cash benefit of ₹__________ per day, or a lump-sum medical-expenses reimbursement up to ₹__________, subject to the terms and conditions set out in the endorsement."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

Settled on hospital bills / discharge summary and FIR / loss report. Verify the injured persons were in the vehicle at the time of the accident; a passenger-count exceeding RC seating is a common ground for insurer to reduce.

hospital bills / discharge summary और FIR / loss report पर settle। पक्का करें कि घायल लोग दुर्घटना के समय गाड़ी में थे; RC seating से अधिक passenger-count insurer द्वारा कम करने का आम ground।

Reference material — verify figures against the current IRDAI master circular and quote the actual policy wording in the report.

Build the whole report around this knowledge

DigiSurvey opens the Claims Knowledge Library inside every report, next to the right field — so the correct wording and the correct rule are always one click away while you draft.

⚡ Try the DigiSurvey platform free 📖 Browse the full library