What is Money Back Model/SIP protect, how can I claim it?

What is Money Back Model/SIP protect, how can I claim it?

SIP Protect is one of the rewards for SIP users. This reward lets donors claim all their donations back when hospitalized at a Ketto partner hospital, reducing the out of pocket expenses. Although most insurance policies cover 90% of total costs, this reward can be used to take care of the remaining 10% instead of paying from the user's pocket.