For Heartbeat/Health companion-
i. If the insured person is hospitalised and we have accepted an in-patient hospitalisation claim, we will provide you with hospital cash. This will be applicable for each continuous and completed period of 24 hours of hospitalisation provided that the insured person has been hospitalised for a minimum of 48 hours.
ii. We will not make any payments in respect of an insured person for more than 30 days of hospitalisation in total under any policy year.
iii. We will not make any payments under this option for domiciliary hospitalisation, maternity benefit and new-born care.
For Health Assurance plan-
If the insured person is hospitalised due to an accident or illness, we will pay the daily hospital cash amount as specified under the product benefit table. This will be applicable for each continuous and completed period of 24 hours of hospitalisation provided that:
i. The illness has occurred 30 days from the date of commencement of the policy.
ii. The insured person has been hospitalised for a minimum of 48 hours with continuous and completed period of 24 hours.
iii. We will not make any payment in respect of an insured person for more than 45 days of hospitalisation in total under any policy year (including 7 days of ICU hospitalisation).
iv. The ICU (intensive Care Unit) cash benefit which is equivalent to double the daily cash benefit will be payable for hospitalisation in the ICU for up to a maximum of 7 days.
v. Under the family option, coverage for adults is 100% of the sum insured and the coverage for each child is 50% of the sum insured
Did not completely understand the exclusion here. Please explain further