Godigit Health Care Plus Option 3 Plan

Room Rent and ICU Charges: There is no specific capping on room rent or ICU charges, allowing policyholders to choose any hospital room, including private and ICU rooms, without worrying about sub-limits.

Coverage includes robotic surgeries, stem cell therapy for specific conditions, organ transplant expenses, and advanced cancer treatments like immunotherapy, chemotherapy, and targeted therapies. Modern cardiac procedures are also covered, though specific terms, conditions, or sub-limits may apply.

No Age or Zone-Based Co-payment: Policyholders are not required to share costs based on their age or geographical location.

Higher Zone Treatment Co-payment: If treatment is received in a higher medical zone than the insured's designated zone, a co-payment of 10-20% applies.

Voluntary Co-payment: Policyholders can opt for a voluntary co-payment, agreeing to pay a predetermined percentage of claim amounts, which can reduce premium costs.

.

Access to over 11,300 cashless network hospitals across India.

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis. Treatment must be conducted in a recognized hospital or daycare center​.

The policy covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.