Bajaj Allianz Travel insurance for Schengen Visa

I am applying for greece visa and keen to choose Bajaj allianz travel insurance.The health policy declaration has a point stating that the claims made should be recoverable in Schengen. I would like to know as soon as possible whether you cover this clause so that I can proceed to buy the insurance.

Thank you for contacting NRIOL for your Schengen travel insurance requirements. Hospitalization medical expenses more than 24 hours is cashless after the deductible. The insured has to get in touch with the assistance company who will then speak to the hospital where the insured is hospitalized and make a guarantee of payment in couple of hours as per policy terms and conditions. In case of outpatient medical expenses the insured has to bear the expenses and claim for reimbursement later.
However in Bajaj Allianz there is a plan "Assist Card" where even the OPD medical expenses are cashless after the deductible and there is "Elite Plan" where OPD medical expenses after $500 is cashless.