Mediclaim Policy | Best Mediclaim Policy in India
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Mediclaim Policy | Best Mediclaim Policy in India

Mediclaim Policy India

Mediclaim policies are great healer for you

Medical emergencies for you or any one of your family can be unwanted for. So, as it is unavoidable, be prepared for the treatment cost. Survey your market before buying any health insurance so that you can get the best health cover. A wise man will compare and contrast all the available policies in the market and weigh the offers with his needs before finally buying it. If you have purchased your mediclaim policies, you need not to worry or run after arranging money, rather be with your family to look after the sick.

Mediclaim policy, in brief

Mediclaim policy is known to be a financial agreement, for which the insurer promises the client to pay the amount which the client has bequeathed with insurer for the client’s hospitalization.

Difference between medical policy and health insurance

Often people confuse between health insurance and mediclaim policies for addressing to the health issues. The matter is not only incorrect, upfront it may be a very costly affair. Precisely speaking, mediclaim is a type of health insurance, but it cannot adequately cover many health conditions or many illnesses.

Mediclaim

Basically, mediclaim covers up the cost of treatment towards accidents, hospitalization, pre-specified illness for a particular sum assured limit. The premium of the mdiclaim depends on the sum being assured. In India, the premium of the policy enjoys the exemption of tax benefits under section 80D.

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However, you must not simply purchase your mediclaim for tax benefits or just as tax saving investments, rather it should be considered as lifeline for you and your family.

Eligibility for Mediclaim

Any one, not below 5 or not above 75 years of age can be the beneficiary of the mediclaim. Nonetheless, any child above 3 months and up to 5 years of age can also be the beneficiary along with their guardian. Even many public and private limited companies extend this mediclaim policy as their extra-molar benefits to their employees. The condition is the strength of the employees must be at least 50.

Mediclaim policies & their benefits
• The beneficiary, if hospitalized, will get the reimbursement for the medical test, doctors’ visit, anesthesia, surgery etc.
• Income tax benefits under Sec 80 D is available under mediclaim policy
• If the policy covers the whole family, a 10% discount is the additional benefitr in the mediclaim policy
Coverage under mediclaim policies:-

Mediclaim covers reimbursements of actual charges of hospitalization, which may start with 15000 to 5 lakhs, or as the case may be, depending on the sum insured under the policy. The coverage may also take care of the expenses being incurred while the treatments are taken at home. The claim of reimbursement may be as minimum 3000 to 50,000 in this case, under the norms of United India Insurance. If you are not availing any of the mediclaim claims continuously for four years, you can avail a free medical health checkup. A maternity claim up to 50,000 can also be availed, depending on the policy.

What are not covered under the mediclaim policy?

As a normal practice, insurance companies do not entertain chronic arthritis, tonsils, gastric and asthma. And again, mediclaim does not cover vaccination for childrenThe matter is not only incorrect, upfront it may be a very costly affair. Precisely speaking, mediclaim is a type of health insurance, but it cannot adequately cover many health conditions or many illnesses.

Mediclaim

Basically, mediclaim covers up the cost of treatment towards accidents, hospitalization, pre-specified illness for a particular sum assured limit. The premium of the mdiclaim depends on the sum being assured. In India, the premium of the policy enjoys the exemption of tax benefits under section 80D. However, you must not simply purchase your mediclaim for tax benefits or just as tax saving investments, rather it should be considered as lifeline for you and your family.

Eligibility for Mediclaim

Any one, not below 5 or not above 75 years of age can be the beneficiary of the mediclaim. Nonetheless, any child above 3 months and up to 5 years of age can also be the beneficiary along with their guardian. Even many public and private limited companies extend this mediclaim policy as their extra-molar benefits to their employees. The condition is the strength of the employees must be at least 50.

Mediclaim policies & their benefits
• The beneficiary, if hospitalized, will get the reimbursement for the medical test, doctors’ visit, anesthesia, surgery etc.
• Income tax benefits under Sec 80 D is available under mediclaim policy
• If the policy covers the whole family, a 10% discount is the additional benefitr in the mediclaim policy
Coverage under mediclaim policies:-

Mediclaim covers reimbursements of actual charges of hospitalization, which may start with 15000 to 5 lakhs, or as the case may be, depending on the sum insured under the policy. The coverage may also take care of the expenses being incurred while the treatments are taken at home. The claim of reimbursement may be as minimum 3000 to 50,000 in this case, under the norms of United India Insurance. If you are not availing any of the mediclaim claims continuously for four years, you can avail a free medical health checkup. A maternity claim up to 50,000 can also be availed, depending on the policy.

What are not covered under the mediclaim policy?

As a normal practice, insurance companies do not entertain chronic arthritis, tonsils, gastric and asthma. And again, mediclaim does not cover vaccination for children. Any disease, which was detected before purchasing mediclaim policy, will not be entitled for mediclaim reimbursement. Besides this, any injury or disease, occurring within 30 days of the policy inception, generally will also not be entitled for the reimbursement. Other than this, natural treatment also is not covered in the mediclaim policy. Normally, mediclaim policy does not cover war patients.

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Comments

0 # Nishith 2018-03-10
Hello, plz let me know What is menarche, I want to consult with gynec in South 24 Parganas, plz suggest ?
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0 # Dr. Naresh 2018-03-11
the process of starting of the menstrual cycle in females is called menarche, plz find good Gynecologist in South 24 Parganas.
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0 # Priyansh 2018-03-10
Hii, I am from Uttara Kannada, Please tell that can moisture be responsible for infections ?
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0 # Dr. Pooja 2018-03-11
Hello, good to see that you are from Uttara Kannada, yes,that is why u must keep your genital organs clean and dry because moisture can favour infections.
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0 # Nishith 2018-03-10
Hello, I am from Vizianagaram, PLz suggest some biochemic remedies for gonorrhoea .
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0 # Dr. Pooja 2018-03-11
Kali Mur, Natrum Mur, Natrum Sulph, and silicea are few important biochemic emedies in homoeopathy which can be used safely in this case, you can also take advise from gynecologist given here-Gynecologist in Vizianagaram.
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0 # Priyansh 2018-02-24
Hello, plz let me know What is menarche, I want to consult with gynec in Jalgaon, plz suggest ?
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0 # Dr. Naresh 2018-02-25
the process of starting of the menstrual cycle in females is called menarche, plz find good Gynecologist in Jalgaon.
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0 # Lakshay 2018-02-24
Hello I am from Karur, My neighbour has been feeling redness and burning in urethral organs, can it be a disease, should she visit gynec?
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0 # Dr. Naresh 2018-02-25
It can be a simple infection also and a disease also, If after the examination, the presence of gram negative bacteria is seen ,gonorrhoea infection can be thought of, she should visit good women's specialist- find list of Gynecologist in Karur
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0 # Vivaan 2018-02-24
Hii, I am from Saiha, plz let me know What is gonorrhoea ?
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0 # Dr. Naresh 2018-02-25
Hello, Gonorrhoea is a sexually transmitted disease caused by the Neisseria gonorrhoea,This disease is caused in the genitourinary tracts, for more details plz visit good gynec in Saiha, find list of Gynecologist in Saiha
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0 # Rohan 2018-02-10
Can gonorrhoea be caused by the infected towels, also provide the list of good gynecologist in Papum Pare?
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0 # Dr. Pooja 2018-02-11
Gonorrhoea can be transmitted by the infected towels, handkerchiefs of the infected person, But most cases are due to sexual contacts, find here list of good Gynecologist in Papum Pare.
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0 # Tushar 2018-01-27
Hii, I am from Khunti, plz let me know What is gonorrhoea ?
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0 # Dr. Pooja 2018-01-28
Hello, Gonorrhoea is a sexually transmitted disease caused by the Neisseria gonorrhoea,This disease is caused in the genitourinary tracts, for more details plz visit good gynec in Khunti, find list of Gynecologist in Khunti
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0 # Nishith 2018-01-13
Hii, I am from Ahemdabad, plz let me know What is gonorrhoea ?
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0 # Dr. Pooja 2018-01-14
Hello, Gonorrhoea is a sexually transmitted disease caused by the Neisseria gonorrhoea,This disease is caused in the genitourinary tracts, for more details plz visit good gynec in Ahemdabad, find list of Gynecologist in Ahemdabad
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0 # Rohan 2018-01-13
Hii can you plz tell me, Which fluids can cause or spread syphilis infection, alos give me the list of good gynec in Churu?
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0 # Dr. Pooja 2018-01-14
Infection from semen, blood or lactation milk can occur and cause syphilis, Infection from blood syringes is very common, Infected mothers can transmit it through their milk also, consult with good Gynecologist in Churu .
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