What areas can health insurance cover?

A health insurance policy ideally covers :

1. Room, Boarding Expenses as provided by the Hospital/Nursing Home. i.e It Covers hospitalisation expenses due to an illness or accident.

2. Nursing Expense.

3. Fees of Surgeon, Anesthetist, Medical Practitioner, Specialists, Consultants.

4. The cost of anaesthesia, diagnostic tests, medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs, operation theater charges, Dialysis, Chemotherapy, Radiotherapy and similar expenses. etc.