Individual Mediclaim Insurance

  • This insurance is available to cover the individual and their family members.
  • Children between the age of 3 months to 21 years can be covered provided parents are covered simultaneously.
  • The policy covers hospitalization expenses for the treatment of illness/injury provided hospitalization is more than 24 hours.
  • Pre-hospitalization expenses for 30 days and post hospitalization expenses for 60 days are also payable.
  • Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where 24 hour hospitalization is not required.
  • Pre-existing diseases can be covered after 4 claim free years.
  • Some of the diseases (e.g Cataract and hernia) are covered after two years.
  • Only Accidental injuries are covered within 30 days from inception of the policy.
Major Exclusions
  • Dental treatment except arising out of accident.
  • Debility and General Run Down Conditions.
  • Sexually transmitted diseases and HIV (AIDS)
  • Circumcision, Cosmetic surgery, Plastic surgery unless required to treat injury or illness.
  • Vaccination and Inoculation.
  • Pregnancy and child birth.
  • War, Act of foreign enemy, ionising radiation and nuclear weapon.
  • Treatment outside India.
  • Naturopathy
  • Domiciliary Treatment.
  • Experimental or unproven treatment.
  • All external equipments such as contact lenses, cochlear implants etc.

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