However, at all times be calculative while buying an add-on cowl because it again draws a further premium. We improve your coverage with robotic surgeries and therapies to deal with crucial diseases at specialised healthcare centres. Suppose, Dhruv Sharma, a 27-year-old software engineer, opted for particular person cowl for himself and his spouse. Each has a sum insured of ₹5 lakhs, which can’t be shared with one another. After a couple of days of coverage inception, Dhruv had covid and had to spend 8 days within the hospital, the place the hospital bill was ₹4 lakhs.
