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Health Insurance Policy

Health insurance policy provides coverage for medical expenses incurred by individuals and to alleviate the financial burden associated with healthcare costs. Individuals can access necessary medical services without facing excessive out-of-pocket expenses. The coverage and benefits can vary widely depending on the,
a. Type of policy
b. The age, habits & existing illness of the insurer, insurance company
c. Specific plan.

Coverage

Personal Property Coverage

Covers personal belongings inside the home, such as furniture, electronics, clothing, and other valuables, in case of damage or theft.

Pre-hospitalization & Post hospitalization Expenses

Medical Expenses

Covers the expenses for doctor consultations, diagnostic tests, medications, and other outpatient treatments.

Maternity and Newborn Care

Coverage for pregnancy, childbirth, and postnatal care, including newborn medical expenses.

Preventive Care

coverage for preventive healthcare services such as vaccinations and health check-ups.

Emergency Ambulance Services

Reimbursement for ambulance services in case of medical emergencies.

Add-On

Critical Illness Cover - coverage for specified critical illnesses like cancer, heart attack, or stroke, providing a lump sum amount upon diagnosis.

Dental and Vision Coverage - coverage for dental and vision care expenses, including routine check-ups and treatments.

Personal Accident Cover - providing a lump sum amount in the event of accidental injuries, or covering medical expenses.

Wellness Programs

health insurance

Exclusions

1. Preexisting Conditions
2. Cosmetic Procedures
3. Injuries from Hazardous Activities
4. Non-Allopathic Treatments
5. Intentional Self-harm or Substance Abuse