We can compare your current insurance coverage against a variety of insurance companies to find out who offers the best deal.
We will also review your current coverage and advise you if we see that you are either over-insured, under-insured, or if we have other recommendations for your specific situation.
It covers all the all direct charges incurred during hospitalization such as OT charges, diagnostic procedures, blood, oxygen, medicines, chemotherapy, x-ray, radiotherapy, donor expenses, pacemakers etc.
Expenses incurred on specified technically -advanced treatments like cataract surgery etc. that do not require hospitalization for more than 24 hours.
Expenses incurred on hospitalization for a period of 30 days before admission and up to 60 days after discharge including ambulance cover are reimbursed.
Charges of regular wards or Intensive-Care-Unit are fully recompensed, or taken care of with cashless hospitalization in the network hospitals.
Compensation is provided for fees charged by the doctor, surgeon, nurse, anesthetist etc.
Every mediclaim policy has some limitations. Mentioned below are the circumstances that can deny you claim-
• A mediclaim policy will not cover pre-existing ailments.
• Any medical condition or critical illnesses that are diagnosed within 30 days of the policy commencement date are not covered. You can read the policy documents to know the details of the plan.
• Specific ailments that are not covered in the plan
• Expenses incurred on dental surgeries unless it requires hospitalization
• Birth control and hormonal treatment
• Complication during childbirth and ectopic pregnancies