Home Life Insurance


  • 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.
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Alexa Status


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.