eMediClaim portal has been designed for YOU to choose and make an intelligent choice between various options available today in the market for Mediclaim (health insurance). Here we present the facts about various mediclaim policies and life insurance policies and hope you would benefit with the information contained herein. We are available to assist you in buying Mediclaim - Medical Insurance or Health Insurance Policy of any company that you wish to enroll with after reviewing the options on mediclaim or life insurance policies, process, claims and regulations as notified by IRDA from time to time.

. If you are wondering What is Life Insurance - read the article in our FAQ section to explain the basics of What is Insurance.

Mediclaim ie. Health insurance has become a necessity today. You will never know when an illness may strike. And in such cases, hospitalization and medication expenses can be unaffordable. It is especially worse when the patient needs specialized care. In such instances, many families use the existing cash reserve and give up comforts in life and make do with bare minimum necessities. Mediclaim policies come to resuce at such hours of need.

Health insurance (Mediclaim)  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 health insurance company will come to the rescue of mediclaim policy holder. Equally important is Life Insurance - which takes care of your loved one's in the event of untimely death of the life insurance policy holder.

Mediclaim Policy

• The Mediclaim policy (Health Insurance Policy)  provides for reimbursement of hospitalisation/ domiciliary hospitalisation expenses for illness/diseases suffered or accidental injuries sustained during the policy period.
• The health insurance plans (mediclaim plans) are 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 medical insurance 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.

What is Mediclaim - Mediclaim Policy - Mediclaim Process ?

Mediclaim Policy is an Insurance coverage to claim reimbursement of medical treatment bills generated due to Health realted hospitalisation.

There are two different ways to get your bills claimed either by cashless facility i.e your bills are directly paid to the hospital or you can pay your bills in the hospital and get an reimbursement after submission of the same to the insurance company. Mediclaim policy is a essential for the peoples because it saves financial loss in case of hospitalization for any sickness, disease or accident. But it costs much higher than other insurance and is rising in proportion with the rising cost of treatment available in private hospitals.

We all are aware about the state of medical facilities available in government operated hospitals and the increased treatment cost in private medical facilities. Medical treatment expenses are very high and they are increasing everyday.Mediclaim comes to the rescue of a policy holder as a protection to absorb the cost of treatment when the disease is identified and needs to be treated in hospitals after admitting the person.

The latest family mediclaim insurance is ideal solution to save money and cover entire family under single sum insured. This means no more multiple premiums and no more financial strain. A mediclaim or a health insurance policy provides for reimbursement of hospitalization. If for some reason, an individual is on bed at and needs an attendant or a nurse, the mediclaim policy will cover the expenses.

Expenses associated with treatments such as dialysis, chemotherapy, radiotherapy etc are also covered by the mediclaim policy. If an individual is taken to a hospital or a 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’. This policy is available in two variants - short term and long term and the coverage level is similar like other traditional mediclaim policies. It provides covers for hospitalization expenses for illness and diseases. It includes expenses for doctors fees, nursing expenses, medicines, blood, surgical appliances and other related expenses.

It is very important for you to check what all is covered by a mediclaim policy. Any disease or sickness existing before the mediclaim is taken will not be covered. Each mediclaim policy has a list of specific exclusions. Check the list before you make a purchase. Most Insurance Companies do not offer mediclaim for obesity related illnesses, expenses arising from HIV or AIDS or the use of alcohol or drugs and expenses due to attempted suicide. Expenses associated with the treatment due to war, riots or a terrorist attack is also not insured by policies - just like exclusions in life insurance policies.

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• Want to know more? Understand the basic definition in the article "What is Insurance"