How do I know what my Plum Lite policy covers/does not cover?

To know what your Plum Lite policy covers:

• Log in to your Plum dashboard

• Click on your health insurance card

• Scroll down to the 'What's covered?/What's not covered?' section

For more, here's a breakdown of what is covered by your policy:

• Hospitalization expenses: Most Hospitalization expenses up to the sum insured if hospitalized for 24 hours or more

• Pre & post hospitalization expenses: Expenses incurred 30 days before and 60 after hospitalization

• Room rent limits: Normal rooms that cost up to 2% of Sum Insured and ICU rooms that cost up to 4% of the sum insured per day

• Waiting periods: 0 days on Injuries & accidents, 1 yr on named ailments (see more), 4 yrs on pre-existing diseases, and 30 days on all other treatments

• Daycare treatments: Several procedures or treatments that do not require 24 hours of hospitalization.

• Pre-existing diseases: All pre-existing diseases after a waiting period of 4 years of continuous cover

• Ambulance charges: Ambulance charges limited to ₹1,000 per hospitalization

And here's a breakdown of what is not covered by your Plum Lite policy:

• Maternity: Hospitalization expenses due to maternity

• Home healthcare: Treatments taken at home

• Foreign treatments: Treatments taken outside India

• Ayurvedic treatments

• Infertility: Infertility treatments such as IVF and surrogacy

• Lasik surgery

• Mental Illness: Treatment of mental illness

• OPD: Routine doctor visits not including hospitalization and daycare.