INCLUSIONS

• People Covered

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

• Hospitalization Expenses

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

• Day Care Treatment

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

• 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.

• 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.

• Organ Donor Expenses

  All expenses incurred in the surgery and storage of organ.

• Domiciliary Hospitalization Expenses

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

• 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.

• Mental Illness Cover

  All expenses involved in the treatment of mental illness.

• Patient Care

  All charges incurred in patient care like nursing, etc.

• Road Ambulance Charges

  Road ambulance expenses involved in providing emergent out-of-hospital medical care when the patient is stationary.

• E-Opinion for an Illness or Injury

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

• Alternative Treatment

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

• Accidental Hospitalization

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

• 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.

• Consultation

  Any charges incurred in seeking professional consultation from doctors.

• Diagnostic Tests

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

• Child Vaccination Benefits

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

• New Born Baby

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

• Medical Treatment Abroad

  All costs involved in seeking medical advice, diagnosis, care or treatment abroad.

• 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.

• Medications

• Dental consultations and diagnostics only (up to 70%)

• Out-Patient Medical Expenses (Prescribed Medications up to 80%)