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Mediclaim Exclusions & Payments


Exclusions & Payments in Mediclaim Policies

Health insurance is your protection that can ensure that you get the right medical healthcare at affordable prices when the need arises, but as seen in lot of disputes that arise when the insured goes to get claim settled, many 'fine print' information was not properly by the policy holder before making a purchase and in the process one may end up paying the complete bills for the treatment received.

Thus it is always better to know beforehand various exclusions and limitations about the mediclaim policies so that you’re aware of the exact scope of the policy coverage to avoid the disappointment later at the time of making a claim.

Standard Payments include:

  • Accommodation Charges - Room Rent (as per eligibility)
  • ICU Charges (wherever applicable)
  • Treating Doctor fees (e.g. - Surgeon charges, Visit fees, Consultation fees, etc.)
  • Nursing Charges Anesthesia & Anesthetist charges Operation Theatre charges (wherever applicable)
  •  Investigation charges
  •  Pharmacy bills Consumables Implant(s) charges (wherever applicable) – e.g. Stents, Lens, etc.

Exclusions include:

  • Ambulance charges (unless specified in policy)
  • Administration charges Admission / Registration fees,
  • File / Records Management charges
  • Service / Surcharges
  • Bed booking / Reserving charges
  •  Food & Beverages
  • Soaps , Toiletries & Laundry
  • Patients’ Attendant charges
  • Special Nurse / Attendant charges
  • Telephone / Photocopy / Courier / Insurance Processing Fees, etc FIR / MLC charges
  • Others (non-insurance, items not related to treatment) All Items mentioned as exclusions in the policy

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.