5 smart things to know about indemnity based hospitalisation insurance

1. Covers in-patient expenses including surgeon, specialist fees, ICU and room charges, medicines, tests and other costs due to hospitalisation for more than 24 hours.

2. Includes pre and post hospitalisation expenses.

3 Includes day care procedures like dialysis, eye surgery, angiography, etc.


4. Based on the principle of indemnity—expenses paid on an actual basis. Maximum limit of indemnity is the sum insured.

5. Covers hospitalisation expenses due to Covid-19.

(Content on this page is courtesy Centre for Investment Education and Learning (CIEL). Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.)