This section details all medical expenses your insurer will cover when you require treatment.

Hospitalization Expenses

If you're admitted to a hospital for more than 24 hours, your policy will cover:

• Room rent & boarding - The cost of staying in a hospital room, with some policies allowing "at actuals" (no limit) while others have a cap.
• ICU charges – If you need intensive care, the costs are covered (some plans may have a limit).
• Doctor’s fees – Consultations, surgeon’s charges, anesthetists, and specialists’ fees are included.
• Diagnostic tests –X-rays, MRIs, blood tests, and other necessary medical investigations.
• Medications & consumables – Medicines, injections, IV fluids, blood transfusions, etc.
• Surgical procedures – Any necessary operation is covered.
• Medical devices –Implants, pacemakers, and prosthetics if required during a surgical procedure.

Daycare Procedures (Treatments that don’t need 24-hour hospitalization, such as: )

• Cataract surgery
• Dialysis
• Chemotherapy & radiotherapy
• Tonsillectomy
• Sinus surgeries
• Hernia repair

(The above treatments are indicative and vary from insurer to insurer.)

Other covered expenses include:

• Emergency Road ambulance – If you need emergency transport to a hospital.
• Domiciliary hospitalization – If you need to be treated at home due to medical necessity.
• Organ donor expenses – Covers the cost of harvesting an organ from a donor when you are the recipient. However, the donor’s pre- and post-hospitalization expenses are not covered.
• AYUSH treatment – Inpatient treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) is covered in registered AYUSH hospitals.

Pre-& Post-Hospitalization Expenses

• Pre-hospitalization – Covers tests, doctor consultations, and medicines before hospital admission (usually 30/60 days)
• Post-hospitalization – Covers follow-up visits, rehabilitation, and medicines after discharge (usually 60/90/180 days)

Optional Add-ons & Enhancements

• Cumulative Bonus – If you don’t make a claim in a year, your sum insured increases (typically by 10% annually, up to a max limit).
• Restore Benefit – Covers follow-up visits, rehabilitation, and medicines after discharge (usually 60/90/180 days)
• Psychiatric treatment with a sub-limit
• Maternity coverage
• Annual Health check-up
• Optical coverage
• Dental coverage
• Emergency Air Ambulance

Note: The information provided herein is for general informational purposes only and is intended to serve as an illustrative guide. Specific document requirements, notification time frames, and procedural details may vary significantly between different insurers and policies. This summary is not intended to be comprehensive or a substitute for the actual policy wording. For precise and up-to-date information, please refer to your insurer’s official policy documents or contact them directly.