50 Lakhs Sum Assured Health Insurance

Minimises paperwork and faster claim approval compared to reimbursement.

Ideal for emergencies, offering quick, stress-free hospitalisation.

Requires pre-authorization from the insurer before admission (for planned treatments).

The insurer directly settles the medical bills with the hospital.

Get treatment at any network hospital without paying upfront.

Suitable when a cashless facility isn’t available or pre-authorization isn’t approved.

Offers greater flexibility in selecting hospitals or specialists.

Involves more paperwork and processing time for claim settlement.

Pay medical bills first and submit documents for reimbursement later.

You can choose any hospital, whether it’s in the insurer’s network or not.

Optional/add-on benefits like annual health check-ups, AYUSH treatment, or maternity coverage (if opted)

Critical illnesses and major treatments

Organ transplant costs (if covered under the policy)

Emergency ambulance charges

Day-care procedures that don’t require 24-hour hospital stay

Pre- and post-hospitalisation medical expenses

In‑patient hospitalisation including room, ICU, surgeries, and doctor fees

Congenital disorders, infertility treatments, or non-medically necessary procedures

Pregnancy, childbirth, and newborn care (unless covered under a maternity add-on)

Routine OPD, dental, vision, and hearing treatments (unless added)

Self-inflicted injuries or suicide attempts

Illnesses related to substance abuse or alcohol/drug misuse

Cosmetic, elective, or aesthetic treatments

Pre-existing conditions during the initial waiting period