Most health insurance companies in India cover the following medical expenses under a Health insurance policy:

• In-patient Hospitalization Expenses -The hospitalization expenses incurred during the treatment of an illness or injury are covered provided the hospitalization is for more than 24 hours.
• Pre-existing Illnesses or Diseases - After the completion of the waiting period, you can file a claim for the expenses incurred on the treatment of any pre-existing illness or condition.
• Pre and Post Hospitalization Expenses - Medical expenses incurred on blood tests, x-ray, and other medical check-ups that are required before hospitalization are taken care of by the insurance company.Similarly, the cost medicines and preventive health check-ups that are done to ascertain your health after the discharge from the hospital is covered under the health insurance plan.
• Ambulance Charges -Although the coverage amount varies from insurer to insurer,most medical insurance plans cover emergency ambulance charges.
• Maternity Cover - Medical expenses incurred during the pregnancy and delivery are covered along with newborn baby expenses.
• Preventive Health Check-ups - Regular health check-up facilities are also made available in some health insurance plans in India.
• Day-care Procedures -Daycare treatments where hospitalization is not required for more than 24 hours are covered. It includes eye surgery, dialysis, and other common daycare surgeries as mentioned in your policy document.
• Home Treatment Cover - It also covers the expenses incurred on getting medical treatment at home on the advice of a medical practitioner.
• AYUSH Benefit -A health insurance plan also reimburses the medical costs incurred on Ayurveda, Unani, Siddha or Homeopathy treatment up to a specified limit.
• Mental Healthcare Cover – Several health plans in India offer coverage for the medical expenses incurred on the treatment of mental illness, like depression.

The following medical expenses and situations are not covered in a health insurance plan:

• Unless there is an accidental emergency, claims arising during the initial 30 days of buying a health insurance plan are not covered.
• Coverage of pre-existing diseases is subject to a waiting period of 2 to 4 years
• Critical illnesses coverage usually comes with 90 days waiting period
• Injuries caused by war/ terrorism/ nuclear activity
• Self-inflicted injuries or suicide attempts
• Terminal illnesses, AIDS, and other diseases of similar nature
• Cosmetic/plastic surgery, replacement of hormones surgery, etc.
• Dental or eye surgery expenses
• Bed rest/hospitalization and rehabilitation, common illnesses, etc.
• Treatment/diagnostic tests and post-care procedures
• Claims arising out of adventure sports injuries