Laboratory TestsNIL10% co-cpayment
Radiology diagnostic10% co-cpaymentNIL
Physiotherapy Treatment10% co paymentCovered up to 15 sessions/ Per member Per yearPrior approval of the insurance company is required.
Test, diagnosis, treatments related to surgeries in hospitalsPrior approval required from the insurance compay / TPA.Prior approval required from the insurance company / TPA.
Emergency TreatmentApproval required from the insurance company within 24 hours of admission to the authorized hospital.
Healthcare services for emergency casesPrior approval required from the insurance company (Prior approval required from the insurance company Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion preriod this must be covered up to the annual aggregate limit.)