Our plan covers all hospitalization expenses seamlessly, including room rent, ICU charges, investigations, surgeries, and doctor consultations, ensuring financial security during times of illness or injury.
Recognizing the importance of mental health, we extend coverage for hospitalization expenses related to treating mental illnesses, aligning with the Mental Healthcare Act of India.
Enjoy coverage for pre-hospitalization expenses up to 60 days before admission and post-discharge expenses for up to 180 days, encompassing diagnostics, physiotherapy, consultations, and more.
Our plan extends coverage to advanced medical procedures and surgeries that require less than 24 hours of hospitalization, keeping pace with medical advancements and ensuring you're protected.
In situations where hospital beds are unavailable, we cover treatment approved by doctors to be administered at home, allowing you to receive medical care in the comfort of your own space.
Never worry about exhausting your health cover. Our unique benefit automatically recharges your sum insured for subsequent hospitalizations, providing uninterrupted medical coverage when you need it most.
Embracing the noble cause of organ donation, we cover medical and surgical expenses incurred by organ donors during organ harvesting, in adherence to Indian regulations governing organ transplantation.
: If hospitalization extends beyond 10 days, we provide compensation for other financial losses incurred due to your absence at home, offering additional support during prolonged hospital stays.
Upholding your beliefs in alternative therapies such as Ayurveda, Unani, Siddha, and Homeopathy, we extend coverage for hospitalization expenses related to AYUSH treatments, promoting holistic healthcare practices.
Check-Up: Enjoy a complimentary health check-up within 60 days of policy renewal, ensuring proactive management of your health and well-being.
With our health insurance plan, rest assured of lifelong coverage with hassle-free renewals, in compliance with Indian regulations, providing enduring protection for your medical expenses.
Rewarding your healthy lifestyle choices, our plan offers a 50% increase in the sum insured for claim-free years, reinforcing your financial safety net for subsequent policy terms.
While we encourage adventure and excitement, accidents encountered during participation in adventure sports are not covered under our health insurance plan. This exclusion ensures safety and risk management in potentially hazardous activities.
Injuries caused by intentional self-harm are not covered by our health insurance plan. This exclusion encourages responsible behavior and discourages reckless actions that may lead to harm.
In times of conflict, unfortunate events may occur, but claims arising from war-related incidents are not covered under our health insurance plan. This exclusion aligns with regulatory standards and ensures the sustainability of our coverage.
While we honor and respect the commitment of individuals in defense operations, accidental injuries sustained during such activities are not covered under our health insurance plan. This exclusion maintains clarity regarding coverage during specific engagements.
While acknowledging the seriousness of such diseases, treatment for venereal or sexually transmitted diseases is not covered under our health insurance plan. This exclusion is in line with industry standards and helps manage risk effectively.
Procedures related to the treatment of obesity or cosmetic enhancements are not eligible for coverage under our health insurance plan. This exclusion emphasizes the focus on medical necessity and ensures resources are allocated effectively for essential healthcare needs.
Mediclaim insurance provides coverage for a wide range of medical expenses, encompassing hospitalization costs, medication, treatments, and more.
The policy extends coverage for all hospitalization expenses, including room charges, medical procedures, and related services.
In addition to hospitalization, mediclaim insurance may cover domiciliary expenses, such as home healthcare services and day-care procedures.
The extent of coverage under a mediclaim policy is determined by the sum insured chosen by the policyholder. Opting for a higher sum insured ensures greater financial protection against medical emergencies.
Policyholders may need to provide documentation, such as hospital bills and discharge reports, to initiate the reimbursement process for covered medical expenses.
Mediclaim policies offer flexibility, allowing policyholders to add family members, increase the sum insured, and include additional benefits based on their healthcare needs.
Some mediclaim policies offer benefits without hospitalization, such as coverage for home healthcare services, ensuring comprehensive healthcare coverage.
Certain policies may include co-payment options, enabling policyholders to share the medical costs with the insurance company, thereby managing premiums effectively.
When considering health insurance, eligibility, medical tests, and age criteria are crucial. Online platforms simplify eligibility verification, yet disclosing significant pre-existing conditions like serious ailments or surgeries is vital. Failure to disclose may lead to exclusions or waiting periods. Thus, prompt communication with the insurer is essential for comprehensive coverage.
When purchasing a mediclaim policy, honesty is key in disclosing all pre-existing illnesses, not just common ailments like fever or flu. Inform your insurer about past diagnoses, surgeries, or cancer to avoid permanent exclusion, waiting periods, or additional premium charges. Ensuring full disclosure enhances coverage and avoids potential complications
If you're 18 or older, purchasing a health insurance plan is straightforward. We extend coverage to newborns, provided the parent holds a mediclaim insurance policy with us. For senior citizens, insurance is available up to the age of 65. Ensure comprehensive coverage by adhering to these guidelines. Trust in our policies to safeguard your health and financial well-being at every stage of life
=> Dual Benefit:
A health insurance plan not only covers medical expenses but also provides tax advantages, enabling you to save up to ₹1 lakh under Section 80D of the Income Tax Act, 1961. It plays a pivotal role in financial planning.
=> Tax Deductions for Medical Insurance Premiums:
Acquiring a health insurance plan allows you to claim deductions of up to ₹25,000 per fiscal year for medical insurance premiums under Section 80D of the Income Tax Act, 1961.
=> Additional Deductions for Parents' Medical Insurance Premiums:
If you're paying medical insurance premiums for your parents, you can also avail an extra deduction of up to ₹25,000 annually. If your parents, or either of them, are senior citizens, this limit can increase to ₹50,000.