International consultation (Online & Telemedicine), opportunity for 2 instalment payments (80%-20%), simple hospital visits, accidents & emergency, chronic illnesses, mental health, outpatient care, admissions, surgeries, pre-existing conditions, preventive health, annual vital checks, essential dental and optical care, cancer care
Discovery Insurance Plan Benefits
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General Consultation ***
• Common Specialist Consultation - Cover for 6 visits/annum(Consultation with Gynaecologist, Dermatologist, Orthopaedic Surgeon, Cardiologist, Paediatrics, E.N.T surgeon)
• Rare Specialist Consultation - Covered on referral only including Online consultation- 4 online consult/annum(Consultation with Nephrologist, Neuro Surgeon Urologist. -
Drugs and medications for acute illness ***
• 20% co-payment payment (Enrollee pays 20% on all drugs prescribed by the physician) -
Prescription drugs for chronic illnesses (E.g Diabetes, Hypertension, TB, Sickle Cell, Arthritis, etc) ***
• 50% co-payment payment (Enrollee pays 50% on drugs for chronic illnesses prescribed by the physician). -
Laboratory & Diagnostics
• Basic -
X-Ray
• Basic -
Ultrasound Scan
• Basic -
Hospitalization ***
• Standard ward • 3-4 bedded ward -
Dental Care ***
• Primary dental care - Covered for treatment with the Primary Care Provider
• Dental Care. Visit to dentist (Scaling & Polishing) - covered within above limit
• Non-surgical Dental Care (All dentist visits require appointment authorization). -
Optical Care ***
• Primary eye care - covered for treatment with PCP Provider
• Visit to opticians Drugs/Eye Tests/Refraction/Lens & Frame/annum - covered within limit within network -
Emergency ***
• Accident/Emergency Stabilization - covered for 24hrs stabilization
• Emergency road Ambulance Services
• Intensive Care Unit -
Surgeries ***
• Minor (Primary suture, lipoma excision, ganglion excision, incision and drainage, keloid excision, minor burns, wound debridement etc.).
• Intermediate--(Hernioraphy, colostomy, tenoplasty, diaphragmatic hernia repair, gastroenterostomy, splenorraphy etc.).
• Major (Laparotomy, urethrectomy adrenalectomy etc.) Surgical appliances , e.g crutches, collars etc. - Covered within surgical limit post-surgery done within policy year
All Pre-planned surgery before commencement of policy are not covered
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Special Procedures ***
• Blood Transfusion - Covered (up to 2 pints)
• P.O.P - Covered (1 cast/annum)
• Physiotherapy - Covered (3 sessions/annum)
• HIV Counselling, testing and drugs from local centers - Covered in Govt. NACA Centers only
• Dialysis -Cover 2 sessions
• Cancer Therapy: oncology tests, drugs, chemotherapy - Cancer treatments -
Extra Radiological ***
• CT Scan, MRI - Covered (50% co-payment) -
Preventive and promotive health ***
• Adult wellness Check(Annually) - Physical Examination
• Gym/Spa - Pay at up to 25% discounted rate within network
• Nutritional and Weight Loss Consultation - Pay at up to 25% discounted rate within network -
Health & Wellness management program
• Health information
• Monitoring of Chronic illnesses - Quarterly Hospital visit
• Emotional and Behavioural Health - Online specialist consultation
• Access to telemedicine - Access to online specialist consultation (International & Local) -
Emotional and behavioral Health
• Online specialist consultation (thrice per annum) -
Health information
• Quarterly -
Monitoring of Chronic illnesses
• Quarterly Hospital visit -
Access to telemedicine
• Access to 1 online specialist consultation (International & Local) (once per annum)