Economy & Finance

Benefits of Mediclaim Policy in India

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: insurance-india/
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    Sep 1, 2017
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