Covers in-patient treatment (hospitalisation) expenses, including modern treatments, room rent, nursing expenses, ICU expenses, consultation expenses, and operation theatre charges.

Covers pre- and post-hospitalisation expenses, including consultations, investigations, and medicines for up to 90 days before admission and after discharge.

Covers expenses related to day care procedures for treatment that needs less than 24 hours of hospitalisation.

Covers the organ donor’s medical expenses for removing and donating the organ for the insured person’s transplant surgery.

Covers medical treatment expenses required for domiciliary hospitalisation (treatment received at home).

Covers hospitalisation, pre- and post-hospitalisation expenses, or day care expenses incurred in an AYUSH hospital.

Covers transportation expenses incurred in a registered road ambulance within a radius of 50 kilometres.

Covers wellness services for teleconsultation, diet and nutrition consultation etc. to encourage good health and fitness.

Treatment expenses incurred during the applicable waiting periods.

Hospitalisation expenses incurred only for diagnostic tests or evaluation purposes.

Obesity or weight management treatments or surgeries that are not medically necessary.

Cosmetic or plastic surgery procedures that are not medically necessary.

Treatment for conditions arising from alcohol or drug abuse.

Dietary supplements that can be purchased without a prescription.

Expenses related to treatments that are not medically recognised.

Expenses related to maternity, sterility, or infertility treatments, unless specifically covered.

Treatment expenses arising from participation in hazardous sports as a professional.

Expenses arising from war or war-like situations, nuclear risks, or participation in armed forces operations.

Treatment expenses arising from intentional self-injury or attempted suicide.