Health insurance has become a necessity today. You will never know when an illness may strike. And in such cases, hospitalisation and medication expenses can be unaffordable. It is especially worse when the patient needs specialised care. In such instances, many families use the existing cash reserve and give up comforts in life and make do with bare minimum necessities. 

Health insurance therefore, can be a source of support as it takes care of the financial burden your family may have to go through. It will help you tackle such situations with ease by providing you with timely and adequate medical care. Besides, if the accident causes lifelong disability to a person who is the breadwinner, the insurance company will come to the rescue.

Mediclaim Policy

The Mediclaim policy provides for reimbursement of hospitalisation/ domiciliary hospitalisation expenses for illness/diseases suffered or accidental injuries sustained during the policy period.

The insurance is available to persons between age of 5 and 80 years. Children between the age of 3 months and 5 years can be covered provided one or both parents are covered concurrently.

The policy is available only for allopathy, ayurvedic and unani systems of medicine. Other alternative systems of medicine are not eligible for claims.

The Mediclaim protection is available for illness/disease contracted anywhere in the world provided the treatment is availed in India.

For those who require dialysis: When treatment such as Dialysis, Chemotherapy, Radiotherapy etc is taken in the Hospital/Nursing Home and the insured person-patient is discharged on the same day, the treatment will be considered to be taken under Hospitalisation Benefit Scheme.