OneHealth 10.0 INSURANCE POLICY

In-Patient Hospitalization

Covers medical expenses incurred during hospitalization, including:

• Room rent (Single Private AC room)
• ICU charges
• Doctor fees
• Medicines and consumables
• Diagnostics and surgery costs

Pre & Post Hospitalization

• It covers medical expenses incurred in respect of an Injury or Illness before and after hospitalization.
• Applicable when claim is admitted by Us under Inpatient Care.

Day Care Treatments

• Covers procedures that do not require 24-hour hospitalization.
• Any OPD treatment undertaken in a Hospital/Day Care Centre will not be covered under this Benefit.

Road Ambulance Cover

• Covers transportation by road ambulance to the nearest Hospital with adequate facilities in an Emergency.

Organ Donor Expenses

• Covers the medical expenses incurred towards in-patient hospitalization of an organ donor for organ transplant surgery.

Domiciliary Hospitalization

• Covers treatment taken at home when hospitalization is not possible.
• Minimum duration: 3 continuous days.

AYUSH Treatment

Covers in-patient treatment under:

• Ayurveda
• Yoga
• Unani
• Siddha
• Homeopathy

IVF Treatment

• Covers the medical expenses incurred for IVF (in-vitro fertilization) treatment.
• Person undergoes the treatment before 40 years of Age.
• A waiting period of 3 years from the Policy Inception Date shall be applicable for this Benefit.

HIV/AIDS Cover

• Covers the in-patient Hospitalization, Day care treatment and Pre-post Hospitalization expenses

Psychiatric Treatment

• Covers in-patient mental health treatments
• Includes pre and post hospitalization expenses

• Pre-existing diseases (during the waiting period)
• Specific illnesses during waiting period
• Cosmetic treatments (unless medically necessary)
• Substance abuse-related treatments
• Non-medical expenses
• Experimental or unproven treatments