What does it do?
This policy covers inpatient treatment if hospitalisation exceeds 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 a donor in case of an organ transplant. Treatments that do not require a 24-hour hospitalisation are covered under day care procedures.
Pros
Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act. Unlike peers, the deductible limit applies to claims on an aggregate basis.
