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Mediclaim - Mediclaim Policy, Health Insurance

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 - Health Insurance - Mediclaim PoliciesMediclaim 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.


  • First analyse your needs carefully.
  • 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 for mediclaim policy holders:

  • 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.

The Insurers

  • National Insurance Corporation
  • Oriental Insurance Corporation
  • United India Insurance Corporation
  • National India Assurance Corporation
  • Bajaj Allianz
  • Royal Sundaram
  • ICICI Lombard 
  • IndiaFirst Life Insurance
  • Aviva Life Insurance
  • ICICI Prudential

eMediclaim team is here to assist and guide you to identify and purchase mediclaim policy that is right for your requirements. If you have any question or need more inputs or looking to get a mediclaim policy coverage for yourself, your child or family contact us to get a free quote today!

Read More

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

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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Insurance Must for Foreign Students in Delhi University

Announcement by Delhi University Foreign Students Registry has declared that All the Foreign students must have some medical insurance, having evacuation clauses, before joining the University.

In a notification on DU website, students have been adviced to seek admission and provide medical insurance papers, to be eligible to pursue courses in India's premier university.