Surgical & Hospital Expenses

The policy covers medical, surgical, and hospital expenses incurred as an in-patient by the Life Insured as a result of sustaining accidental bodily injury or sickness. Surgical and hospital expenses policy is generally arranged based on different annual / event limit for different categories of employees depending on their hierarchy in the company.

The basic benefits provided under this cover:

• Hospital accommodation, nursing care, drugs, dressings, etc.

• Room charges per day

• Surgeons and Anesthetist fee

• Operating theatre charges

• Consultant or specialist fee

• Emergency local travel expenses related to inpatient treatment

• If the patient has been hospitalized in a non-paying ward of a Government Hospital, which offers free treatment, an allowance per day will be paid up to a limited period