Mediclaim

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Overview

Insurance – Secure Your Health with Mediclaim Insurance

Medical emergencies can arise anytime, and the cost of treatment can be overwhelming. Our Mediclaim Insurance ensures that you and your family get the best medical care without financial stress. With cashless hospitalization, pre & post-hospitalization coverage, and tax benefits, you can stay worry-free about medical expenses.

Features

Cashless Hospitalization : Get treatment at X+ network hospitals without upfront payment
Pre & Post-Hospitalization Coverage : Covers medical expenses before & after hospitalization
Daycare Procedure Coverage : Includes treatments not requiring 24-hour hospitalization
Tax Benefits : Save on tax under Section 80D of the Income Tax Act
Wide Hospital Network : Access to top-tier hospitals for cashless treatment

How To Apply

How to Apply for Mediclaim Insurance?

1️ Select Your Plan – Choose between Individual, Family, or Senior Citizen Mediclaim.
2️ Provide Personal Details – Enter your name, age, and medical history.
3️ Choose Coverage Amount – Select sum insured as per your needs.
4️ Submit Documents – Upload ID proof, medical reports (if required), and address proof.
5️ Make Payment & Get Policy – Complete the process and receive your policy instantly via email.

Eligibility

Eligibility Criteria for Mediclaim Insurance

  • Entry Age: Minimum 18 years (for adults), 3 months (for dependent children).

  • Policy Renewal: Available for lifetime renewal without age restrictions (for some plans).

  • Pre-Existing Conditions: Covered after waiting period (as per policy terms).
  • Medical Tests: Required for individuals above a certain age or with health conditions.

Interest & Charges

Premium & Charges for Mediclaim Insurance

  • Premium Based on Age & Sum Insured – Higher sum insured may result in a higher premium.

  • Additional Coverage Available – Includes critical illness rider, maternity benefits, and personal accident cover.
  • Tax Savings – Avail deductions up to ₹25,000 (₹50,000 for senior citizens) under Section 80D.

Frequently Asked Questions (FAQs)

1. What is covered under Mediclaim Insurance?

Mediclaim covers hospitalization expenses, surgeries, doctor fees, pre & post-hospitalization costs, and ambulance charges.

2. Can I avail cashless treatment?

Yes, you can get cashless treatment at network hospitals under our insurance plan.

3. What is the waiting period for pre-existing diseases?

The waiting period varies from 2 to 4 years, depending on the policy terms.

4. Does Mediclaim cover COVID-19 treatment?

Yes, hospitalization expenses for COVID-19 and related complications are covered.

5. Can I include my family under the same Mediclaim policy?

Yes, with a Family Floater Plan, you can cover your spouse, children, and dependent parents under one policy.

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