The policy covers all eligible employees of an organisation and can be extended to include their dependents such as spouses, children, and parents.

Coverage includes inpatient hospitalisation, day care procedures, pre and post-hospitalisation expenses, ambulance charges, and in some cases, maternity benefits.

Yes, the policy can be tailored to include optional benefits like maternity, newborn cover, critical illness, or corporate wellness programs based on the employer’s requirements.

Typical exclusions include cosmetic treatments, self-inflicted injuries, and pre-existing conditions unless specifically covered after a waiting period.