There are instances where diagnosing an illness takes time, and a person has to pay for multiple tests for diagnosis, which may lead to hospitalization. A person may require some additional tests and medication after getting discharged too, which they have to pay for. This policy covers all of these expenses for 30 days before getting hospitalized and for 60 days after getting discharged. To avail these benefits, the patient needs to be hospitalized for at least 24 hours and the illness should be covered as per the policy's terms.