Mediclaim Policy

It offers the ease of cashless hospitalisation.

You can opt for self or for the entire family.

It shields you from the financial burden.

Removes expenses paid from your pocket.

Insurance companies will handle the expenses arising out of hospitalisation.

Ease of buying through online health insurance companies.

It offers tax exemptions.

Avail cost-effective healthcare services.

Individual Mediclaim Policy: Under this type of policy, only the policyholder is covered against major medical expenses arising out of hospitalization.

Family Floater Policy: The policyholder and other family members such as parents, spouse, and children are covered under this plan.

Group Mediclaim Policy: An employer purchases group health insurance policy for the employees or members of the organization under this plan.

Senior Citizen Mediclaim Policy: Under this type of plan, senior citizens are covered for medical expenses with special provisions.

Critical Illness Mediclaim Policy: Medical expenses arising out of critical illnesses are high and the Critical Illness Mediclaim policy offers to cover illnesses such as cancer, kidney failure, cardiovascular-related illnesses, etc. 

Overseas Mediclaim Policy: Under this type, it allows you to raise claims from hospitalization expenses that were incurred overseas.

Low-Cost Mediclaim Policy: For those looking for a lower sum insured, you can this type of policy. Also, such policies cater to the underprivileged section of the society. Usually bought by small and medium scale industries employers to cover their employees at low-priced premiums.

Hospitalisation Costs: It includes all medical expenses incurred during the hospitalisation of the policyholder or the beneficiaries of the policy. It covers expenses related to diagnostic procedures, OT charges, medicines, blood, x-ray, oxygen, etc.

Pre- and Post-Hospitalisation Expenses: Medical expenses arising before 30 days of hospitalisation and up to 60 days post-discharge are covered under the mediclaim policy. However, you need to check with the insurer if this type of hospitalisation is part of the policy.

Day-Care Expenses: Medical expenses arising out of advanced medical treatments which do not require the patient to be hospitalised for more than 24 hours is covered.

Hospital Room Expenses: Costs towards regular wards or Intensive Care Unit (ICU) are fully reimbursed or through the cashless facility.

Doctor’s or Medical Professionals’ Fee: Doctor’s consultation fee or medical professionals’ charges such as nurses’ fee, etc. are covered.

Pre-existing illnesses.

Dental treatments.

Sexually transmitted diseases.

Birth control and hormonal treatments.

Vaccinations.

Plastic surgery.

Cosmetic surgery and obesity-related treatments.

Maternity expenses if not opted as an Add-on feature.

Non-medical expenses such as service charges, administrative charges, toiletries, etc.

Ailments and diseases contracted within a set period from the policy purchase date.

*Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wordings for more details.

**In case the pre-existing disease surfaces after a policy is issued. However, at the time of claim, if it is found that the policyholder did not disclose any known pre-existing diseases while buying the policy, the claim may get rejected.