Mediclaim (in India for individual and group) and Overseas Mediclaim Policy (in abroad)

The policy provides for reimbursement of hospitalization/ domiciliary hospitalization expenses for illness/diseases suffered or accidental injuries sustained during the policy period.

The insurance is available to persons between age of 5 and 80 years. Children between the age of 3 months and 5 years can be covered provided one or both parents are covered concurrently.

Premium upto Rs.10000/- qualifies for tax benefit under Section 80 D of Income Tax Act.

Jan Arogya Bima Policy

It is available to any homogeneous group/association/ institution/corporate body provided it has a central administration and subject to minimum of 100 persons to be covered.

Group discount on premium is allowed depending upon the total number of insured persons.

Cancer Medical Expense Policy for the members of Indian Cancer Society

Cancer Insurance Policy for the members of Cancer Patients Aid Association

The policy covers Personal Accident, Medical expenses and Repatriation, Loss of Checked Baggage, Delay of Checked Baggage, Loss of Passport and Personal Liability.

It starts from the 1st day of insurance and expires on the last day of the number of days specified in the Policy Schedule or on return to India whichever is earlier.

No, Presently it is available only for allopathy, ayurvedic and unanipathy systems of medicine.

Yes, Mediclaim protection is available for illness/disease contracted anywhere in the World provided the treatment is availed in India.

Domiciliary Hospitalisation benefits cover the expenses on employment of qualified nurses, who are employed on the recommendation of the attending Medical Practitioner and who holds a certificate of a recognized Nursing Council.

A Medical Practitioner is one who is engaged in the medical profession, who holds a degree/diploma of a recognized institution and is registered by the Medical Council of the respective state in India. It will include a physician, specialist and surgeon.

When treatment such as Dialysis, Chemotherapy, Radiotherapy etc is taken in the Hospital/Nursing Home and the insured person-patient is discharged on the same day, the treatment will be considered to be taken under Hospitalisation Benefit Scheme.

Operation of the eye by Laser Capulsotomy shall be covered under Hospitalisation benefits of Mediclaim Policy.

No, when you have a Mediclaim Policy and proceeds abroad with an Overseas Mediclaim Policy, Mediclaim Policy would stand suspended for the said period. However, the validity of period of insurance for Mediclaim protection shall extended for the same period beyond the scheduled expiry date. No adjustment or refund of premium shall be involved.

If the spouse or any other member of the family is already covered under another Mediclaim Policy, no coverage will be allowed for them.

You as the proposer will have to bear the fees of the doctor in such circumstances.

A treatment will be deemed to be continuous if the concerned illness relapses within 45 days from the date of last consultation with the doctor/hospital/nursing home. Any occurrence after a lapse of 45 days will be considered as new illness.

All claims will be payable in Indian currency. All medical treatments for the purpose of Mediclaim protection will have to be taken in India only.