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Health and Accidental
Insurance
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Group health insurance plans provide health coverage to a group of employees of an organization
Health and Accidental Insurance Coverage
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Maternity cover may come with a waiting period of 9 months
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The policy covers the infant of an employee from Day 1
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Optional cover for ambulance charges
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Pre and post-hospitalization expenses
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Domiciliary and daycare expenses
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Fees of a medical practitioner and specialists
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Room rent and nursing charges
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Anesthesia, oxygen, blood, OT charges, medicines, drugs, x-ray, etc.
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Some plans may also cover radiotherapy, chemotherapy, and pacemaker cost
Most common exclusions
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Non-allopathic treatments like homeopathy, Ayurveda, etc.
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Congenital diseases and all the expenses incurred in treating AlDS and other related alignments.
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Alignment or complications arising from the use or abuse of alcohol or drugs.