What are the expenses covered by health insurance?

Health insurance policies broadly cover the following:

In-patient treatment: Hospitalization expenses due to illness or accident

Pre & Post hospitalization: 30 days before admission and 60 days after discharge

Day care procedures: Listed procedures that do not require hospitalization

In addition policies may cover Ambulance charge, Organ donor charge, Domiciliary treatment, Homeopathic/ayurvedic treatment, Maternity charge. Some insurance policies place sub-limits on the above 3 broad features.

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