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What is the purpose of eMediclaim Portal?

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eMediclaim portal has been designed for you to choose and make an intelligent choice between various options available today in the market for your health insurance. We intend to present the facts about various policies and hope you would benefit with the information contained herein. We are available to assist you in buying Mediclaim policy of any company that you wish to enroll with.

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.


First analyse carefully your needs.
If you need a wide cover and income tax benefits also, choose a family package cover.
You may also decide on the major ailments policy with annual, five and ten year cover options offering you a reasonable amount of premium savings.
Those going for a wide coverage as also long term cover about five or ten years can opt for the term hospitalisation policy. This gives benefits that are not available under the normal mediclaim policy. Another convenience this policy offers is the non-requirement of annual renewal of the policy.
Choose Jan Arogya cover, if you plan to go for a less costlier health cover with tax benefit and limited coverage.
For those closer to retirement age the long-term retirement benefit plan would be the ideal cover.

Is a disease pre-existing?
Disclosures about injuries, ailments suffered by you are important.
Or else at a later stage if discovered, you could end up losing out terribly.
At the time of insurance, you should be aware whether you have any disease and whether you are undergoing any treatment.
The insurers refer such health issues to their medical panel to differentiate between pre-existing and newly contracted illnesses.

What are the different benefits that can be claimed under the Mediclaim insurance policy in the event of hospitalisation?
Different heads of benefits under hospitalisation:
Room boarding expenses by the hospital nursing home
Nursing expenses
Surgeon, anaesthetist, medical practitioner, consultants, specialist’s fees
Anaesthesia, blood, oxygen, operation charge, surgical appliances, medicines and drugs, diagnostic material and x-rays, dialysis and chemotherapy, radiotherapy, pacemaker, artificial limbs and cost of organs and similar expenses
All the above benefits are limited to the maximum sum insured

Hospitalisation must

The minimum period of hospitalisation should be for 24 hours. However, for certain treatments this limit is not applicable when package charges are levied for treatment by the hospital.

Leading Insurers

  • National Insurance Corporation
  • Oriental Insurance Corporation
  • United India Insurance Corporation
  • National India Assurance Corporation
  • Bajaj Allianz
  • Royal Sundaram
  • ICICI Lombard

eMediclaim team can assist and guide you to identify and purchase a policy that is right for your requirements. 

Want to know more or need assistance to select the best policy for your needs, fill up a simple form with QUICK APPLY and we shall revert to you with the best options available from the market!!!

Disclaimer: Please note that the information provided is collected from sources publicly available & we believe to be reliable. The website doesn’t warrant the accuracy, reliability & absolute information available on the website. Participation by site visitors or registered customers is on a voluntary basis. The policies are offered by various life Insurance & non-life insurance offering companies and eMediclaim does not seek to, either directly or indirectly, advise, offer, solicit or recommend that any person who is or proposes to become its member should purchase the Policy.
The logos displayed on this site in no way indicate tie up of the respective logo owners with eMediclaim Portal. or any affiliation what so ever between eMediclaim and respective logo owners. Should you have any objection to use of public information on this site, please contact us and we shall remove the content that you feel is not in public interest or has a copyright which prevents it to be displayed on eMediclaim.com website.

Insurance is the Subject matter of Solicitation.


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