The key features of the West Bengal Cashless Health Insurance Scheme are as follows:

• Cashless Indoor Medical Treatment: This component is the key feature of the West Bengal Cashless Health Insurance Scheme. Under this feature, the insured can avail cashless indoor treatment at an accredited/ network hospital worth INR 1 lakh. This is done in order to reduce the burden on the insured and their family members. It is to be noted that if the treatment cost of the insured exceeds the amount of INR 1 lakh, then the remaining cost of the treatment is to be borne by the policyholder.

• Outpatient Department (OPD) Treatment: WBHS covers various OPD treatments like the Rheumatoid Arthritis, Tuberculosis, Malignant Malaria, Chronic Obstructive Pulmonary Disease (COPD), Heart Disease, Insulin-dependent Diabetes, etc.

• Out-of-State Hospitalisation Cover: With the WBHS, in case the insured has undergone a treatment in a hospital outside West Bengal, the cost of the treatments are covered. This is true only when the hospital is empanelled and listed by the West Bengal Government under the scheme.

• Coverage for Treatment Done in A Non-empanelled Hospital: In case the treatment being done is not available in the empanelled hospitals, then the insured can choose to get their treatment done at a non-empanelled hospital. Under the West Bengal Cashless Health Insurance Scheme, a portion of this treatment will also be covered, and can be reimbursed. Please ensure you read the terms and conditions of the scheme carefully.

• Major Treatments & Procedures Covered: Under WBHS, there are over 1000 treatments and procedures covered. There is also a coverage for specialised surgeries for up to 12 days, for major surgeries up to 7 to 8 days, laparoscopic and endoscopic surgeries, normal deliveries up to 3 to 4 days, and OPD and minor injury coverage of 1 day.