Policy settings
Applies to all storiesA costlier room reduces the insurer's share of your other bills.
You always share this fixed part of the bill.
Swipe to see each story
OPD
~₹12k
Viral Fever
Doctor visit, blood tests, meds. No hospital stay.
Hospital bill
₹12,000
Insurance pays
₹0
You pay
₹12,000
Most base policies don't cover OPD visits. You pay the full bill.
Coverage
0%
Surgery
~₹1.8L
Appendix
3 days in private room, laparoscopic surgery.
Hospital bill
₹1,80,000
Insurance pays
₹0
You pay
₹0
Room choice affects how much insurance pays.
Coverage
0%
Heart
~₹6.5L
Angioplasty
ICU stay, stent, specialists.
Hospital bill
₹6,50,000
Insurance pays
₹0
You pay
₹0
Base cover may not be enough for major heart events.
Coverage
0%
Critical
~₹22L
ICU Marathon
Weeks in ICU + major surgery.
Hospital bill
₹22,00,000
Insurance pays
₹0
You pay
₹0
Without extra cover, this can wipe out your savings.
Coverage
0%
What this means for you
Swipe through the cards above. Each story shows how much insurance pays and what you pay.
Current base cover: ₹5,00,000