This includes 68 non-payable items like gloves, PPE kits, face masks, sanitizers, and more. Most health insurance plans do not cover these items, which can add up to 15–20% of your hospital bill. With the Protect Benefit , HDFC ERGO covers them fully. Quickinsure ensures you know what’s covered so you don’t face surprise deductions. https://quickinsure.co.in/products/health-insurance/hdfc-ergo-optima-secure-health-insurance