What is Health Total?

INCLUSIONS

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  People Covered

  You can cover up to 15 members of your family depending on the plan chosen i.e. Vital, Superior or Premiere.
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  Hospitalization Expenses

  All expenses incurred as a part of your hospital stay. Some examples include room stay, surgery, etc.
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  Day Care Treatment

  All expenses incurred when you are hospitalized for less than 24-hours. Some examples include chemotherapy, dialysis, cataract, etc.
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  Pre-Hospitalization Costs

  All expenses that occur on your treatment that extends beyond your hospitalization. Some examples include follow-up doctor visits, medications, further diagnostic tests, etc.
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  Post-Hospitalization Costs

  All expenses that occur on your treatment that extends beyond your hospitalization. Some examples include follow-up doctor visits, medications, further diagnostic tests, etc.
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  Organ Donor Expenses

  All expenses incurred in the surgery and storage of organ.
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  Domiciliary Hospitalization Expenses

  All expenses incurred during at-home medical treatment (domicile) for a period of more than three days.
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  Maternity Expenses

  All expenses incurred when a woman is pregnant, including pre-hospitalization expenses, post-hospitalization expenses, delivery charges, pre-and post-natal expenditure, etc.
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  Mental Illness Cover

  All expenses involved in the treatment of mental illness.
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  Patient Care

  All charges incurred in patient care like nursing, etc.
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  Road Ambulance Charges

  Road ambulance expenses involved in providing emergent out-of-hospital medical care when the patient is stationary.
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  E-Opinion for an Illness or Injury

  Expenses involved in seeking medical opinion online for an injury or illness.
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  Alternative Treatment

  All expenses involved in mainstream and accepted form of therapy like Ayurveda, Homeopathy etc.
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  Accidental Hospitalization

  Additional sum insured if you meet with accident and require a hospitalization.
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  Emergency Medical Evacuation

  All expenses involved in transporting you from a medical facility that is not equipped to treat you to a hospital that is advanced and much more capable for treating your medical issue.
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  Consultation

  Any charges incurred in seeking professional consultation from doctors.
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  Diagnostic Tests

  All expenses involved in diagnosing an illness, including tests, imaging exams, check-ups, etc.
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  Child Vaccination Benefits

  All vaccination expenses up to one year after the birth of the child.
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  New Born Baby

  All new born baby expenses incurred during hospitalization from the day of birth till 91 days.
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  Medical Treatment Abroad

  All costs involved in seeking medical advice, diagnosis, care or treatment abroad.
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  Out-Patient Medical Expenses (Consultation and Diagnostic)

  All treatment expenses that do not require a hospital stay or admission. Some examples include therapy, diagnostic tests, etc.
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  Medications
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  Dental consultations and diagnostics only (up to 70%)
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  Out-Patient Medical Expenses (Prescribed Medications up to 80%)