Domiciliary Hospitalization in Care health Insurance

Any care or treatment equivalent to hospitalization provided at home comes under domiciliary hospitalization. But most importantly one must not confuse it with pre/post-hospitalization care at home. You cannot take into consideration that care given after discharge or before hospitalization can be covered under domiciliary hospitalization.

Note that domiciliary hospitalization only comes into effect after establishing the fact that hospitalization for the insured is not possible due to any reasonable cause such as the inability to shift the patient to the hospital or the hospital doesn't have an empty bed or anything, but the cause has to be undeniable. Domiciliary Hospitalization should not be mistaken for Home Care.

Care Health Insurance in Care Supreme's Prospectus point 3.1.1.vi clearly states that

Despite suffering from, an illness/Injury (which normally require care and treatment at a hospital), Hospitalization may not be possible perhaps Your state of health is such that you are not in a condition to be moved to a hospital or a Hospital room may not be available when you need the medical treatment the most. 

Under Our Domiciliary Hospitalization Benefit, We will pay you maximum up to Sum Insured, for the Medical Expenses incurred during your treatment at home, as long as it involves medical treatment for a period exceeding 3 consecutive days. 'Pre Hospitalization Medical Expenses and Post Hospitalization medical Expenses' shall be payable in respect of a claim made under this benefit. 

Any Medical Expenses incurred for the treatment for the treatment in relation to any of the following diseases shall not be payable under this Benefit:

Asthma; Bronchitis; Chronic Nephritis and Chronic Nephritic Syndrome; Diarrhoea and all types of Dysenteries including Gastro-enteritis; Diabetes Mellitus and Diabetes Insipidus; Epilepsy; Hypertension; Influenza, Cough or Cold; All Psychiatric or Psychosomatic Disorder; Pyrexia of Unknow origin; Tonsillitis and Upper Raspatory Tract Infection including Laryngitis and Pharyngitis; Arthritis, Gout and Rheumatism. 

This benefit is optional in certain policies provided by Care Health Insurance, whereas, in other policies, it is included as a foundational benefit. 

As Base Benefit in policies: Care Supreme; 

As Add-on / Optional Benefit in Policies: 

Claim Shield Benefit by Care health Insurance

Claim Shield Benefit is an optional benefit offered by Care Health Insurance. It covers items/consumables that are otherwise excluded in a claim. There are 68 items. 

As per the prospectus of Care Supreme 3.2.17, Claim Shield Benefit states that 

If a claim has been accepted under this benefit, then We shall indemnify for the items which are not payable, as per List - I under Annexure 1. The maximum claim payout under this benefit shall be limited to applicable Sum-Insured under the Policy.  

Note : Coverage for any item as per List-I under Annexure 1, Shall be available only if the same is not covered under any Base Benefit or Optional Benefit.

Various plans from Care Health Insurance allow you to select this optional add-on feature.

Namely: Care Supreme

Project Ara...Would it be the last generation of smartphone??

In this age of information, electronics has changed the lifestyles of people around the globe, whether the change is for better or for worse could be a whole other reason for argument. From Desktops that took up a whole corner of a room to smartphone that sits in your pocket, the computing has seen a major revolutionary changes which evolved electronics  from time to time. Microsoft, Apple And Google had been the key players in the field of information. The Google's new PROJECT ARA is believed to create new levels of high. If launched perfectly this project could lead to massive change of course in the market of smartphone. This project seems to have the juice to run all the other smartphone companies out of business. With the recent accusation of MOTOROLA at 12.5 billion dollars and selling MOTOROLA to LENOVO in the end 2014 at  2.5 billion dollars Google made it pretty clear that it has kept all MOTOROLA'S patents, Patents that according to google worth for about 10 billion dollars. Motorola has been the pioneer in bringing dreams to reality, discoveries and inventions are made daily but Motorola has always found a way to practically implement those inventions and making them economically accessible so as to launch products successfully in market. Motorola launched first ever touchscreen phone in '95 so it is safe to say that Motorola did packed a punch when came to patents. Motorola was the one to announce Project Ara In 2013 and since then every company has been trying to get a piece of action in Project Ara so as to survive in the future of smartphone.

Project Ara is Concept to develop modular smartphones that could allow user to handpick the desired configuration for phone rather than to compromise on some levels. Such as some people don't feel the need to have camera in phone so they wouldn't have to pay for camera they can save money. More importantly Project Ara allows to upgrade your phone without having to buy a whole new piece, all you had to do is just buy a required chipset. After a year's use if you feel the need to upgrade RAM of Processor or anything you will not have to buy a whole new mobile all you have to spend on is what you want. Project Ara is believed to be in effect as of end of 2015. Prototypes has been successfully running since end of  2014.

If Project Ara comes out as good as it has been believed to it will change everything, now smartphone could be once in lifetime phone. It could be so affordable that everyone could buy it as per there need. You can buy a simple phone and modify it by high end components or just keep it simple. The choices of hardware will now be in your control. So is it safe to say that Project Ara could be the last Generation of Smartphone or I guess someday in future there could be a better project that might offer new capabilities to the consumer. Still Project Ara will be time stamp and the timeline of smartphone will be divided  in "Before Ara" and "After Ara".