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29 May 2022
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There are different types of mediclaim policies available in the market. Choose the best mediclaim policy that suits the requirements. Here discussed are the various types of mediclaim policies:
As the name suggests the mediclaim insurance policy for individuals covers a single policyholder. It implies that the benefits of the mediclaim policy can be availed by only one person. Apart from the policyholder, no other family member can avail of any benefits of the mediclaim insurance policy. *
Under this mediclaim insurance policy, the individual and their family members including parents, spouse, and children are covered. It indicates that an individual along with the complete family can easily access the benefits of the family health insurance policy. Moreover, one can have a larger cover sum under this type of mediclaim health insurance plan. *
Under the health insurance for senior citizens, anyone above 60 years of age is covered. This type of mediclaim plan is specifically designed to cater to the medical needs of senior citizens. It is suggested to have a mediclaim policy for the senior citizens. *
When it comes to any critical diseases such as heart diseases, kidney failure, cancer, etc. the hospital costs can easily deplete the savings. A critical illness mediclaim policy helps to curb such expense and pays the lump sum amount upon any such disease diagnosis. *
Under the group mediclaim policy, a person or an employer is in the charge of a group of people who purchases the policy for the members or employees. Usually, it is an addition to the compensation offered by the employer. * *Standard T&C Apply
The inclusions of a mediclaim insurance policy differ from one insurer to another. Yet, the following are covered in most of the mediclaim insurance policies:
The mediclaim insurance policy covers the complete direct expenses that incur during hospitalization. It includes donor expenses, diagnostic charges, OT charges, sickness or accident treatment, etc. *
The best mediclaim policy covers all the regular ward and ICU room expenses. Generally, the charges are covered in the cashless hospitalization claims at the network hospitals. *
It covers those expenses, which are incurred that do not need hospitalization and the patient is released in less than 24 hours. *
It includes expenses related to doctors, surgeons, etc. during hospitalization are covered within it. *
The mediclaim insurance policy also covers the costs incurred before and after the insured gets hospitalized. Various expenses are related to the treatment both before and after, which is covered under the mediclaim plan. *
The modern treatment methods and advancements in technologies such as oral chemotherapy, deep brain stimulation, bronchial thermoplasty, etc. will be covered. * *Standard T&C Apply
A mediclaim insurance policy can be comprehensive. Yet, every mediclaim health insurance plan has certain limitations that are uncovered in the plan. Listed below are those common exclusions of the mediclaim plan:
*Standard T&C Apply
Regardless of whether anyone buys mediclaim online or offline, ensure to read the policy document carefully. Besides, understand all the terms and conditions mentioned in the mediclaim policy document. It enables to make an informed purchasing decision and get the best mediclaim policy coverage suiting the needs. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
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