While many of us insure our homes, vehicles, children’s education etc., we do not often insure our health! The fact that any illness can strike us without warning and eat up our savings should not be overlooked. Thus, with the ever-increasing costs associated with Hospitalization, it can mean a drain on your precious savings and making life unstable for self and family.

The policy is meant to cover Hospitalization Expenses incurred by the members of an organization in case they happen to suffer from a disease or sustain an accidental injury, the following Hospitalization expenses will be paid under following heads: 

• Room, Boarding and Nursing Expense. 
• Medical Practitioner/ Anesthetist, Consultant fees, fees of surgeon 
• Expenses on Anesthesia, Blood, Oxygen, Operation Theater, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of Organ and similar expenses 
• Expenses on Vitamins and Tonics only if forming part of treatment as certified by the attending Medical Practitioner. 
• The relevant expenses incurred for Domiciliary Hospitalization
  
• An additional Daily Allowance for the duration of Hospitalization towards defraying of miscellaneous expenses. 
• Ambulance charges in connection with any admissible claim limited 
• Admissible day care treatment (less than 24 hrs hospitalization), pre and post hospitalization 
• Cost of Health Check-up – Reimbursement of cost of medical check-up once at the end of a block of every four continuous claim free policy years, subject to maximum of 1% of the average sum insured during the period 
• Other admissible expenses. 
• This policy will trigger when there is minimum 24 hours hospitalization. 
• The hospital where treatment is taken should have minimum 15 beds. 
• The policy holder can avail cashless facility for the treatment taken or he may go for reimbursement of expenses incurred.