The policy covers hospitalisation expenses for the treatment of illness/injury provided hospitalisation is more than 24 hours. Pre-hospitalisation expenses for 30 days and post hospitalisation expenses for 60 days are also payable.

Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where 24 hour hospitalisation is not required.

Ambulance Charges for shifting the insured from residence to hospital are covered up to the limits specified in the policy.

Ayurvedic / Homeopathic and Unani system of medicine are covered to the extent of 25% of Sum Insured provided the treatment is taken in the Government Hospital.

Pre-existing diseases are covered only after 4 continuous and claim free renewals with our Company.

Pre-existing conditions like Hypertension, Diabetes, and their complications are covered after two years of continuous insurance on payment of additional premium.