Economy & Finance

Benefits of Mediclaim Policy in India

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Compare best mediccliam policies online in India. Check reviews, benefits and premium to renew or buy mediclaim policy online. Get the best benefits and choose your policy online.
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  • 1. What is Mediclaim Policy Mediclaim Insurance is a type of health cover which takes care of medical expenses following Hospitalisation of the Insured in respect of the below situations:  In case of an accident  In case of sudden illness  In case of any surgery which required in respect of any disease which has arisen during your policy period.
  • 2. Types of mediclaim policies  Individual Mediclaim Policy  Family Mediclaim Policy  Senior Citizen Mediclaim Policy
  • 3. Individual Mediclaim Policy  This policy is ideal for you if you want to cover just yourself & medical treatment that only you will need.  Company will reimburse the medical expenses incurred while the insured was admitted in the hospital as an in patient.  Individual Mediclaim Policy also covers Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees.
  • 4. Family Mediclaim Policy  It is the enhanced version of Mediclaim policy in which the sum assured value floats among the family members i.e. each member of the family is covered under a single plan and sum assured can be claimed by any member of the family.  Family floater policy covers your complete family so if any medical emergency arise, you have to worry only about choosing the right hospital not about the financial costs.
  • 5. Senior citizen mediclaim policy  The senior citizen mediclaim policies are for people aged between 65 years and 80 years & this policy is little more expensive then the others.  A senior citizen mediclaim insurance plan covers the following:  Hospitalization Cover  Day care expenses  Medical expenses  Ambulance charges  Pre existing diseases
  • 6. What mediclaim policy cover  Hospital Charges  Day-care Treatment  Hospital Accommodation charges  Pre & Post Hospitalization expenses  Medical Professional’s Fee  Diagnosis Charges
  • 7. What mediclaim policy not covered  Diseases contracted within 30 days of insurance.  Dental treatment except arising out of accident.  Debility and General Run Down Conditions.  Sexually transmitted diseases and HIV (AIDS).  Circumcision, Cosmetic surgery, Plastic surgery unless required to treat injury or illness.  Vaccination and Inoculation.  Pregnancy and child birth.  War, Act of foreign enemy, ionizing radiation and nuclear weapon.  Treatment outside India.  Naturopathy.  Domiciliary Treatment.  Experimental or unproven treatment.  All external equipments such as contact lenses, cochlear implants etc.
  • 8. Benefits of Buying a Mediclaim Policy  Is a cost effective way of health care  Reduces one’s financial burden  Offers peace of mind  Availability of cashless hospitalization  No out of pocket medical expense  Medical expenses managed by the insurance company itself
  • 9. For more information about mediclaim policy visit our website: http://www.policybazaar.com/health-insurance/health- insurance-india/
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    Sep 1, 2017
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