It covers any non-pre-existing sickness or disease which manifests itself during the period of the policy and entails expenses on hospitalization and pharmaceutical treatment and which is not excluded by the policy. Illness does not include learning disabilities, attitudinal disorders and disciplinary problems.

Any person having legal capability is eligible for medical health insurance on behalf of his parents (his mother and father, spouse, children (including adopted children), brothers/sisters and other family members.

That includes;

a.       Hospitalization expenses like card / physician visit fee, laboratory and other examination and diagnosing expenses, and drug/medicines expense,

b.      Room boarding expenses provided by the hospital or health center

c.       Nursing expenses,

d.      Surgical, anesthesia, blood, oxygen, operation charge, radio therapy,

e.       Limited ambulance expense,