In-Patient Hospitalization

• Room, boarding, and nursing expenses.

• Surgeon, anesthetist, and specialist fees.

• Emergency ambulance charges up to ₹750 per hospitalization.

• Air ambulance cover (up to 10% of sum insured for policies ₹5 lakh and above).

Pre & Post-Hospitalization

• Medical expenses incurred up to 60 days before and 90 days after hospitalization.

Day Care Procedures

Coverage for all approved day care treatments.

Modern Treatments and AYUSH

• Coverage for select modern treatments.

• In-patient expenses under Ayurveda, Unani, Siddha, and Homeopathy.

Domiciliary Hospitalization

Medical treatment taken at home due to conditions that prevent moving the patient to a hospital.

Organ Donor Expenses

Coverage up to 10% of the sum insured or ₹1 lakh, whichever is lower.

Newborn Baby Cover

Coverage for a newborn from the 16th day after birth.

Additional Benefits

• Health Check-Up: Expenses covered for health check-ups after claim-free years.

• Recharge and Restoration: Automatic restoration of sum insured up to three times per policy period.

• Compassionate Travel: Reimbursement for travel expenses of a family member during medical emergencies.

• Second Medical Opinion: Get expert advice for major medical treatments.