3. What is covered in health insurance?

These are typically covered in health Insurance:

Hospitalisation expenses
Covers serious injuries that need overnight stays.

Organ donor expenses
Covers up to a set amount for organ transplants.

Pre-existing diseases
Plans that cover after a 2 to 4-year waiting period.

Pre- and post-hospitalisation
Plans that cover for a specific number of days.

Ambulance charges
Covers up to a certain limit for hospital transportation.

Room rent
Plans that cover up to a set sub-limit.

Health check-ups
Top plans that include annual check-ups.

Maternity and newborn expenses
Plans that cover delivery costs, and in some cases even pre- and post-natal care is included.

Daycare treatments
Covers treatments that require less than 24 hours.

Home treatment
Covers doctor-prescribed home care in case hospitalization isn't easily available.