Individual Health Insurance

Mediclaim Insurance is a Health cover which takes care of medical expenses following Hospitalisation/Domiciliary Hospitalisation of the Insured in respect of the following situations:

(A) In case of a sudden illness

(B) In case of an accident

(C) In case of any surgery which is required in respect of any disease which has arisen during the policy period.

Now you can buy and renew policies Online. Buy a new Health Insurance policy, Renew an existing Insurance Mediclaim Health Insurance policy or renew policies bought from any other general insurance company by registering yourself on our Portal and paying online through your debit card / credit card or Net-banking.

The salient features of the policy are:
  • Inpatient hospitalization expenses in India due to disease / accident.
  • This health policy covers citizens aged from 3 months to 80 years.
  • The sum insured available ranges from Rs.50000/- to Rs.500000/-
  • Pre-existing diseases are covered from the fifth year policy provided the renewals are done without break in insurance and all the renewals are with  Insurance Company.
  • Cashless facility for claim settlement available in network hospitals if the services of Third Party Administrators are availed.
  • A proposer can take the policy for himself and or for his family members.
  • Wherever family members are covered, a discount of 10% in premium is available.
  • Pre acceptance medical examination is not required if the beneficiaries are below 45 years of age.
Covered Risks:

This Health cover is a hospitalisation cover and reimburse the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in patient. The cover also extends to pre- hospitalsation and post- hospitalisation for periods of 30 days and 60 days respectively.

Major Exclusions:

Any pre-existing disease, any expense incurred during first 30 days of cover except injury due to accident, all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts, Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover.