Accidental Injury
means sudden, unforeseen and involuntary event caused by external, visible and violent means leading to bodily harm, excluding illness or disease solely and directly caused by it, which is verified and certified by a licensed veterinarian as mentioned in Section 2 of this Plan.
Breed
means a specific group of domestic animals having homogeneous appearance (phenotype), homogeneous behaviour, and/or other characteristics that distinguish it from other organisms of the same species.
Critical illness (under critical illness plan)
means the diseases or the disease conditions or the syndromes as specifically mentioned under K9care critical illness plan.
Consultation/Examination Fee
means a fee charged by a licensed veterinarian to meet with a pet owner to discuss the facts of his or her pet’s case that leads to diagnosis of an injury, illness or disease as mentioned under this plan.
Emergency / Emergency Care
means management for an illness or injury which results in symptoms which occur suddenly and unexpectedly and requires immediate care by a Licensed Veterinarian to prevent death or serious long-term impairment of your Pet’s health.
Heart disorders (under critical illness plan)
means Arteriosclerosis, Atrial fibrillation, Cardiac arrhythmia, Cardiomyopathy, Congestive heart failure, Endocarditis, Myocardial effusion, Myocarditis and Mitral valve insufficiency, Thrombosis and pericardial Effusion.
Home visits
means visits to your vet outside of normal surgery hours for treatment unless your vet considers your pet can't be moved or couldn't wait until normal surgery hours to be seen.
Hospitalization
means admission in a Hospital for ‘In-pet Care’.
In-pet Care / Medical Treatment
means treatment for which the covered pet has to stay in a hospital for a covered event and or has to undergo treatment or procedure without having to stay in the hospital.
Internal cancers (under critical illness plan)
means cancer affecting internal organs of the insured pet specifically affecting oesophagus, stomach, small/large intestines, lung, liver, pancreas, kidney, endocrine organs, blood and brain and does not include skin, skeletal muscle, bone, mammary/salivary gland, testicles, eye and oral cavity which are obviously visible outside the body.
Laboratory Tests
means tests conducted under controlled, scientific conditions in a laboratory or similar setting where a test (such as a blood test or urinalysis procedure) is performed by a licensed medical laboratorian on a specimen taken from the pet.
Licensed Veterinarian/ Veterinarian/Vet
means a person who holds a valid registration from the Veterinary Council of India (VCI) Or state veterinary Council and is thereby entitled to practice veterinary medicine within its jurisdiction; and is acting within its scope and jurisdiction of license. Licensed Veterinarian should not be the Pet Owner himself/herself or close member of the family of the pet owner.
Major illness
means the diseases or the disease conditions or the syndromes as mentioned in Section 1 of this Plan.
Major Soft Tissue Surgeries
means any surgical procedures as mentioned in Section 4 of this Plan.
Medical Expenses
means those expenses that a covered pet owner has necessarily and actually incurred for medical treatment of his / her pet on account of Illness or Accident on the advice of a licensed veterinarian, as long as these are no more than what would have been payable if the Pet had had not been covered under the plan and no more than other hospitals or veterinarian in the same locality would have charged for the same medical treatment.
Normal Surgery Hours
shall mean the Vet’s regular hours as per their hospital/clinic/practice time.
Notification of Claim
means the process of intimating a claim to us through any of the recognized modes of communication.
Pet
means the beneficiary covered under this plan on the payment of plan charges.
Pet Owner
means the pet owner as mentioned in the plan summary
Plan
means the Plan Summary and the Plan Details.
Plan Charges
shall mean the amount paid by the pet owner towards availing the plan for his/her pet for the duration as per the plan summary.
Plan Limit
means the amount as stated in the Plan Summary against the Section/Cover for each pet covered under it.
Plan Period
means the period between the commencement date and the expiry date specified in the Plan Summary and includes both the commencement date as well as the expiry date.
Disease /Conditions Existing Prior to Purchasing the Plan
means any condition, ailment or injury or related condition(s) for which there were signs or symptoms and / or were diagnosed and / or for which medical advice / treatment was received prior to the first Plan issued by the us.
Reasonable and Customary Charges
means the charges for services, which are the standard charges for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into account the nature of the illness / injury involved.
Surgery or Surgical Procedure
means manual and / or operative procedure (s) required for treatment of an illness or injury, correction of deformities and defects, diagnosis and cure of diseases, relief from suffering and prolongation of life, performed in a hospital or day care centre by a licensed veterinarian.
Third Party
means any individual or a party who is not a family member, business associate or an employee of the pet owner and is not directly part of this contract as mentioned in Section 3 of this Plan.
Unproven/Experimental treatment
means the treatment including drug or experimental therapy which is not based on established medical practice in India, is treatment experimental or unproven.
You, Your, Yours, Yourself, Plan-holder, Person(s)
means the Individual Pet Owner whose pet will be treated as a beneficiary under this plan.
