Why is it Important

Your coverage for Covid-19 starts sooner with lesser waiting period

ProTip: Always opt for rooms within your rent eligibility, In case you opt for a room above this cap, you will have to bear the additional expenses

Why is it Important

Your coverage for Covid-19 starts sooner with lesser waiting period

Why is it Important

Home Care Treatment means treatment availed by the Insured Person at home for COVID on a positive diagnosis of COVID in a Government-authorized diagnostic Centre, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:

• 1.The Media practitioner advises the Insured person to undergo treatment at home.
• 2.There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.
• 3.Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained.

ProTip: Look out for the cover amount and the number of days at home treatment is covered.

Why is it Important

The shorter waiting period, the better as the cost of your current illness can be expensive

Why is it Important

A lower cap is better as room rent eats into the claim amount which should be spent on treatment cost.

ProTip: Always opt for rooms within your rent eligibility, In case you opt for a room above this cap, you will have to bear the additional expenses

Why is it Important

The shorter waiting period, the better as the cost of your current illness can be expensive

Why is it Important

There are usually expenses on medicines and treatments even after hospitalization. This benefit helps to cover the same.

ProTip: More the number of days covered, the better

Why is it Important

Home Care Treatment means treatment availed by the Insured Person at home for COVID on a positive diagnosis of COVID in a Government-authorized diagnostic Centre, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:

• 1.The Media practitioner advises the Insured person to undergo treatment at home.
• 2.There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.
• 3.Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained.

ProTip: Look out for the cover amount and the number of days at home treatment is covered.

Why is it Important

This benefit covers you for alternative treatment options which are becoming more and more popular.

ProTip: Don’t forget to check if your insurance plan covers AYUSH treatment

Why is it Important

The higher the number of network hospitals the better as you can avail cashless treatment at more places.

ProTip: Check if the hospital of your choice or those near you are part of the network.

Why is it Important

Every member gets the benefit of the policy , hence, allows safeguarding the health of your loved ones

ProTip: Exclude member with PED to avoid high premium

Why is it Important

Since the medical expenses are rising every year, this benefit ensures you have sufficient funds for any medical emergency.

Why is it Important

Lets understand this better through an example, If you buy a Policy of 10 Lacs Sum insured for you and your spouse, and you need to claim the entire 10 Lacs within a policy year for yourself, you will get additional 10 Lacs coverage:

• 1.For yourself for an unrelated illness, or
• 2.For your spouse for any illness

ProTip: The restoration amount varies, please check the plan T&C for when restoration is allowed.

Why is it Important

Health checks ensure you are treated before your medical condition gets serious.

ProTip: Look for the type, cost and number of tests your insurer allows.

Why is it Important

Higher the maternity cover and a shorter waiting period is better. This allows you to avail the best hospitals and doctors for your new born.

ProTip: Check the waiting period after which you can claim for maternity.

Why is it Important

Allows you to get regular eye and dental checks which are indicators of your health.

ProTip: Look out for the waiting period and cover amounts.

Why is it Important

The number of day care treatments are increasing every day and it is important that your insurance covers the same.

ProTip: Look for plans which cover maximum Day Care procedures

Why is it Important

It is a value-added service and you get a convenient second opinion.

Why is it Important

This helps identify the specific needs of a person and how those needs can be addressed by the healthcare system