All hospitalization related expenses are covered including treatment costs, medical tests, drugs, accommodation charges, pre and post medical charges, ambulance expenses and more.
OUR KEY FEATURES AT A GLANCE
We will cover hospital room charges up to a limit of 2%of the sum insured, subject to maximum of Rs. 5,000/- per day, and charges for stay in Intensive Care Unit up to a limit of 5% of the sum insured, subject to maximum of Rs. 10,000/- per day. We also cover related hospitalization expenses such as surgeon’s fees, nursing, anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, drugs, and consumables up to the sum insured.
You may incur some expenses before you are hospitalized, like doctor’s fees, pharmacy-related expenses, or diagnostic tests. All such costs will be covered by us for up to 30 days before your hospitalization up to the sum insured.
After you get home from the hospital, there are still many expenses to be taken care of, like consultation fees, diagnostic tests, pharmacy-related costs among other things. We will cover such expenses related to your hospitalization up to 60 days after your discharge up to the sum insured.
IN-PATIENT HOSPITALISATION FOR AYUSH COVER
We will cover in-patient medical expenses up to the sum insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognized institute.
You might need to be hospitalized for less than 24 hours for certain procedures like dialysis, radiation therapy, among others. We will cover the cost of such procedures up to the sum insured.
We understand the need for emergency ambulance service; should you need immediate assistance; we will cover the ambulance expenses up to Rs. 2000 per event, every time you get hospitalized.
We cover medical expenses incurred for treatment of Cataract, subject to a limit of 25% of sum insured or Rs. 40,000/-, whichever is lower, for each eye, once a policy year.
The following procedures will be covered (wherever medically required) either as in-patient or as a part of day care treatment in a hospital, up to 50% of sum insured, as specified in the policy schedule, during the policy period:
Uterine Artery Embolization and HIFU
(High intensity focused ultrasound)
Deep Brain stimulation
immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injection
Stereotactic radio surgeries
Vaporization of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.