What does it do?
This is a basic health insurance policy. Apart from expenses incurred while hospitalized, this policy also provides for treatment taken at home on advice of the doctor, day care treatment for illnesses or procedures which do not require an overnight stay in hospital due to technological progress and health check up. Ambulance expenses are covered too.
Pros
There is no capping on room rent or ICU rent.
There are no sub-limits on different illnesses.
This policy can be bought online as well.
Premiums paid towards this policy enjoy a tax benefit under Section 80D.
Cons
It does not offer lifetime policy renewal.
