What does it do?
This health insurance plan covers inpatient treatment if one is hospitalised for more than 24 hours. It covers medical expenses, room rent, boarding, surgeon fee, anesthetist fee and specialist fee up to the sum insured. It also indemnifies hospitalisation expenses incurred for donor in case of an organ transplant. Treatments that do not require 24-hour hospitalisation are covered under day care procedures.
Ambulance charges are payable up to Rs 2,500 per hospitalisation.
Pros
Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act. No pre policy medical check up is required up to 45 years of age.
