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.
Note:
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