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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. Let's take a look at its 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.

Calculate your Mediclaim Premium now!

Benefits of Mediclaim Policy

It is your savior whenever you or your family faces a medical emergency. It provides you financial help without depletion of your savings. Read below the significant benefits of having the best medical policy for the family:

  • 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. You can read below the 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

Super Saver

Care 3 ( 4 Lac )

Elite

Care 4 (5,7,10 Lacs)

Elite Plus

Care 5 (15,20,25,30,40 Lacs)

Global

Care 6 (50,60,75 Lacs)

Global Plus

Care 7 (1,2,3,6 Cr)

Features/ Plan (SI) Care 3 ( 4 Lac )
Super Saver
Care 4 (5,7,10 Lacs)
Elite
Deductible in policy period Yes, Rs.10,000 No deductible
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent 1% of SI per day Single Private Room
ICU charges 2% of SI per day No Sub-Limit
Ambulance Cover Rs.1,500/ hospitalization Rs.2,000/ hospitalization
Daily Allowance Rs.500/ day upto 5 days -
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.50,000 Rs.100,000
Second opinion Yes Yes
Alternative Treatments Upto 15,000 Upto 20,000
Features/ Plan (SI) Care 4 (5,7,10 Lacs)
Elite
Care 5 (15,20,25,30,40 Lacs)
Elite Plus
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent Single Private Room Single Private Room
(upgradable to next level)
ICU charges No Limit No Limit
Ambulance Cover Rs.2,000/ hospitalization Rs.2,500/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.100,000 Rs.200,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.20,000 Upto Rs.30,000
Features/ Plan (SI) Care 5 (15,20,25,30,40 Lacs)
Elite Plus
Care 6 (50,60,75 Lacs)
Global
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU charges No Limit No Limit
Ambulance Cover Rs.2,500/ hospitalization Rs.3,000/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.200,000 Rs.300,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.30,000 Upto Rs.40,000
Care Anywhere - Yes
Maternity Cover - Upto 100,000
Features/ Plan (SI) Care 6 (50,60,75 Lacs)
Global
Care 7 (1,2,3,6 Cr)
Global Plus
In patient hospitalization Upto SI Upto SI
Pre-hospitalization Upto SI ,30 days Upto SI , 30 days
Post-hospitalization Upto SI ,60 days Upto SI , 60 days
Day Care Treatments Upto SI Upto SI
Room Rent Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU charges No Limit
Ambulance Cover Rs.3,000/ hospitalization Rs.3,000/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes, Up to SI (Once in a Policy Year) Yes, Up to SI (Once in a Policy Year)
No Claim Bonus Yes Yes
Organ Donor Cover Rs.300,000 Rs.500,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.40,000 Upto Rs.50,000
Care Anywhere Yes Yes
Maternity Cover Upto 100,000 Upto 200,000
Vaccination Cover Yes, Upto Rs. 10,000
Global Coverage: (excluding USA) Coverage outside India & USA - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim
Special Add on cover:
Global Coverage - Total Geographical scope of Benefit `Global Coverage (excluding USA)` is extended to USA also Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim

About Religare Health Insurance

Religare Health Insurance is a leading health insurance provider in India. Our endeavour 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.

Call:1800-102-4488|1860-500-4488

Disclaimer: For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: IRDAI/HLT/RHI/P-H/V.II/253/16-17. UAN2: 18032484.

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