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Mediclaim Policy
This insurance policy can be used to protect the insured party against
expenses incurred for hospitalisation for illness/ injury/ diseases
as well as domiciliary hospitalisation. It also includes hospital
room and operation theatre charges, diagnostic tests, cost of
medicines,
blood transfusions, oxygen cylinders as well as cost of appliances
like pacemakers, artificial limbs, etc. |
- Suitable for
This insurance policy is ideally suited for
- Each and every person aged between 5 and 75 years of age. Children
aged between 3 months and 5 years have to be insured along with their
parents.
- Government or private institutions for their employees.
- Clubs or
associations for their bona-fide members.
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Risks covered
This
insurance policy protects the insured from the risks of illness or
disease or accidental injury sustained.
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Compensation offered
This insurance policy will provide
compensation for
- Hospitalisation
expenses based on actuals and subject to the sum insured.
- Domiciliary
hospitalisation charges based on actuals and subject to the
sum insured.
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Exclusions
This insurance policy will not pay any claims arising from
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Pre or post hospitalisation treatment of asthma, chronic nephritis,
gastroenteritis, diabetes, epilepsy, hypertension, influenza,
cough or cold, psychiatric or psychosomatic disorders, pyrexia,
tonsilitis,
arthritis, rheumatism or any treatment relating to any illness/
disease already in existence at the time of treatment.
- Any disease or injury within 30 days of commencement of policy
except accidental injury.
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Cataract, benign prostatic hypertrophy, hysterectomy for menorrhagia
on fibromyoma, hernia, hydrocele, congenital internal disease,
fistula in anus, sinusitis and related disorders in the first year
of cover under the contract.
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Vaccination, inoculation, circumcision, change
of life, cosmetic or aesthetic treatment, plastic surgery unless
the treatment necessitating hospitalisation is necessary.
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Costs of spectacles or contact lenses or hearing
aids.
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Convalescence, general debility, sterility,
venereal diseases, intentional self-injury or use of intoxicants.
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Any variation of AIDS
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Hospital/ nursing charges inconsistent or
non-incidental to the diagnosis or treatment.
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Vitamins or tonics not forming part of the
treatment.
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Any treatment related to pregnancy, child
birth or voluntary termination of pregnancy during the first
12 months after pregnancy.
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Hospital/ nursing charges inconsistent or
non-incidental to the diagnosis or treatment.
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Any treatment related to pregnancy, child
birth or voluntary termination of pregnancy during the first
12 months after pregnancy.
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Nuclear or war perils.
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Naturopathy treatment.
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