Mediclaim Policy

Mediclaim Policy

Cheers for Your Good Health with No Claim Bonus*
Coverage for Pre & Post hospitalization
AYUSH Coverage for Alternative Treatments
Annual Health Checkup for all Insured Members
Avail Tax Benefit under Section 80D

What is Mediclaim Policy?

India is grappling with several health problems. It has turned into the diabetes capital of the world. Around one million new cases of cancer register, every year, and the rising rate of non-communicable diseases (NCDs) causes 61% of deaths in the country. No doubt, medical advancement bringing new hopes in the health care sector. But, at the same time, it is giving rise to medical inflation. The costs of diagnosis, medication, treatment, and hospitalization are burning holes in the pockets and become unaffordable for the common mass. Either one has to sell the assets or lend money whenever there is a medical emergency. It results in financial distress for the entire family. So, to combat such a medical crisis, we offer the best Mediclaim policy that covers your risks and provides you financial support whenever you need it.

What is Mediclaim Policy
Life is like an ocean, it can be still or rough, but in the end, it is always beautiful. Challenges make life interesting and overcoming them is what makes life meaningful. Mediclaim policy helps you to stand strong during medical exigency and avail the best possible treatment for yourself or loved ones. It is a health insurance policy that bears your medical expenses in case of hospitalization. Under the Mediclaim policy, you can cover self, spouse, children, and dependent parents and opt either cashless facility or reimbursement to settle the claim. It is the best Mediclaim policy for investment that avails class healthcare services without getting worried about money. Therefore, the farsighted approach, pragmatic planning, and Mediclaim surely help you to save your hard-earned money and get financial security.

Key Features of Mediclaim Policy

Mediclaim Policy is a comprehensive medical insurance policy that provides financial assistance during hospitalization. With Mediclaim, you do not need to arrange cash for your treatment. We take the responsibility of all your medical hassles so that you can focus on your recovery.

key features:

Coverage for pre and post hospitalization expenses
Claim settlement either by a cashless facility or by reimbursement up to the sum insured
Minimum 24 hours hospitalization is required to get the claim
It also has a list of specific exclusions.
Lifelong renewability is easily available
No upper age for enrolment
Additional riders for chemotherapy and radiotherapy
In a family Mediclaim, a policyholder can pay a lump sum premium instead of individual policies.


Benefits of Mediclaim Policy

Mediclaim policy provides a cashless hospitalization facility during a medical emergency.
Cover out-of-pocket medical expenditures.
Mediclaim policy additional riders such as alternative treatments, ambulance cover, day-care procedures, health check-ups, according to your needs for complete protection.
Coverage for pre and post hospitalization expenses such as OPD expenses, diagnosis, doctor's fee, medication, surgeries, ambulance cover, therapies, etc.
Option to pick critical illness cover and get the expenses covered for the treatment of life-threatening diseases.
Lifelong renewability with additional benefits such as coverage for alternative treatments, day-care procedures, annual health check-ups, etc.
The advanced treatment facility in-network hospitals in nearby locations.
Tax benefits under Section 80D of the Income Tax Act, with exemption up to Rs.25, 000.
Documents Required for Mediclaim
You need only a few documents to get buy online Mediclaim policy.
Below is the list of the important documents:
Age Proof
Proof of Id and address
Proposal form
2 Passport Size Photographs
Pre-existing medical condition reports(if any)

What Does a Mediclaim Policy Cover?

Due to the uncertainties of life and the constant rise in health care costs, Mediclaim nowadays is important for families and individuals. Read below what a Mediclaim policy covers.
Cashless Hospitalization: During an emergency, you get cashless hospitalization in any of the network hospitals nearby to your location without getting stressed for arranging cash for the treatment.
In-Patient Hospitalization: If the in-patient hospitalization in the network hospital is for more than 24 hours then Mediclaim policy covers your hospitalization expenses. These expenses include your room charges, nursing expenses, ICU, surgeon's fee, doctor's fee, blood, oxygen, and OT (operation theatre changers).
Day Care Treatments: If you have to undergo any surgery or treatment or therapy that requires hospitalization for a day then from room rent to medicine bills we bear all your daycare treatment expenses. We cover more than 170-day care treatments.
Pre and post hospitalization: Mediclaim policy covers your pre and post hospitalization expenses that include diagnosis, treatment, and medicine expenses, along with doctor's fees. Treatment costs such as dialysis, daycare treatments, and surgeries are also covered.
ICU Charges: We value every life and know the importance of the right healthcare services. If you are admitted to ICU, we cover all the charges without any limit.
Ambulance cover: Mediclaim policy provides reimbursement against the expenses that you incur on ambulance during a medical emergency.
Domiciliary Hospitalization: If recommended by a medical practitioner or there is no vacant bed in the hospital, you can avail domiciliary hospitalization facility as well. You will get the reimbursement for more than 3 consecutive days.
Free Annual Health Check-Ups: Where the costs of annual health check-ups are skyrocketing we are providing you for free. Complete blood sugar, urine routine, blood groups, kidney function, ECG check-ups are all included in the Mediclaim policy cover.
Recharge of Sum Insured: If your claim amount gets exhausted; you get an automatic recharge of Sum Insured. You can use this amount for the treatment of any other insured family member or yourself but the treatment of some different ailment.
Other Benefits: Organ donor cover, second opinion, NCB, and alternative treatments are some of its other good benefits.
Tax Exemption: Under section 80 D of the Income Tax Act 1961, the premiums paid for Mediclaim policy for self, dependent parents, children, and spouses are exempted from tax. Thus, you can have saved a good amount of money and enjoy the tax benefit.

What is Not Covered under a Mediclaim policy?

The conditions that are not covered by the insurance company are called exclusions. exclusions under our Mediclaim Policy.
Treatment for AIDS/HIV
Congenital disease treatment
IVF or infertility treatment
Hospitalization due to war or nuclear threat
Medical expenses incurred due to alcohol or drug abuse
Self-inflicted injuries and suicide attempts
Pre-existing diseases for a period of 4 years since the inception of the policy

About Care Health Insurance

Care Health Insurance is a leading health insurance provider in India. Our endeavor is to help individuals and families deal with mounting healthcare costs by delivering online Mediclaim insurance. Through the seamless procedures, customers can choose and buy their policies with a simple online process. We are committed to delivering impeccable services by providing health insurance & specific geographic travel insurance while guaranteeing the benefits of hassle-free claims procedures.