Access to 10,000+ network hospitals across India for cashless treatment. Simple pre-authorization process with dedicated health card for instant identification. Emergency cashless approval within 4 hours for critical cases. 24/7 helpline for hospital admission assistance and claim coordination. Seamless settlement directly between insurer and hospital with minimal documentation requirements.

Coverage at super-specialty hospitals and multi-specialty healthcare chains. International treatment coverage in select plans with partner hospitals abroad. Second medical opinion services from panel of specialists. Health risk assessment and wellness programs for preventive care. Digital health records and e-card facilities for easy access and management.

Coverage for medical expenses incurred before hospitalization including diagnostic tests, doctor consultations, and medications. Typically covers 30-60 days prior to hospitalization depending on the plan. Post-hospitalization coverage for follow-up treatments, medications, and diagnostic tests for 60-90 days after discharge. Coverage for rehabilitation expenses and physiotherapy sessions as part of recovery process.

Coverage for OPD expenses in select premium plans including consultations, diagnostic tests, and pharmacy bills. Dental treatment coverage for accidental injuries and specified procedures. Coverage for health check-ups once every year with specified amount. Mental health coverage including consultations and treatments. Coverage for modern treatments like stem cell therapy and robotic surgeries.

Annual preventive health check-ups with comprehensive packages covering vital parameters and screenings. Wellness programs including fitness tracking, nutrition counseling, and lifestyle management. Discounts on health products and services from partner organizations. Health risk assessment tools and personalized health improvement plans. Vaccination coverage for flu, pneumonia, and other preventive vaccines.

Telemedicine services with 24/7 access to doctors for minor health issues. Mental wellness programs including stress management and counseling sessions. Fitness rewards for maintaining healthy lifestyle through step tracking and activity monitoring. Nutritionist consultations and diet planning services. Health education webinars and workshops on various health topics.

Simplified claim process with minimal documentation requirements. Cashless claim settlement at network hospitals with pre-authorization approval. Reimbursement claims processed within 15 working days of document submission. Digital claim submission through mobile app and website with document upload facility. Dedicated claim assistance team for guidance throughout the process and regular status updates.

Quick claim settlement with 95% of claims processed within 7 days. Transparent claim status tracking through multiple channels. Emergency cash advance facility in case of urgent requirements. Home visit for claim documentation collection for senior citizens. Grievance redressal mechanism with defined timelines for resolution and escalation matrix.

24/7 customer support through toll-free numbers, email, and chat support. Dedicated relationship managers for premium policy holders. Multi-lingual support and special assistance for senior citizens. Hospitalization assistance and ambulance coordination services. Policy renewal reminders and premium payment assistance. Health advisory services and second medical opinion facilitation.

Digital policy management through mobile app and customer portal. Instant policy document download and certificate issuance. Proactive health alerts and preventive care reminders. Emergency medical assistance during travel. Health library with educational resources and self-care guides. Personalized health recommendations based on individual health profile.