Parivar Mediclaim
Our Parivar Mediclaim policy provides protection to families against the financial burden of treatment in hospitals for illness/ disease/ accidental injury. It is a floater policy wherein the entire family consisting of self, spouse & two dependent children are covered under a single floater sum insured.
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Our Parivar Mediclaim policy provides protection to families against the financial burden of treatment in hospitals for illness/ disease/ accidental injury. It is a floater policy wherein the entire family consisting of self, spouse & two dependent children are covered under a single floater sum insured.
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The policy is available to persons between age of 18 and 60 years. Dependent children between the age of 3 months and 25 years can be covered. Sum insured range is between `2 Lakh and 5 lakh, in multiples of ` 50,000/-. Renewal is allowed upto the age of 65 years.
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Our Parivar Mediclaim policy provides the following benefits :
- Reimbursement of hospitalization expenses which are reasonably and necessarily incurred, under the following heads:
- Room, boarding, nursing expenses and RMO charges as provided by the hospital/nursing home – 1% of sum insured per day (normal) & 2% of sum insured per day (ICU)
- Expenses incurred for Surgeon, Anaesthetist, Medical Practitioner, Consultant, Specialist’s Fees, Nursing Expenses
- Expenses incurred on account of anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic material, X-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs & cost of organs and similar expenses.
- Diabetes and Hypertension can be covered from inception by paying extra premium
- Pre & post hospitalization expenses for 15 & 30 days respectively
- Cashless facility can be availed through TPA.
NB – Total expenses payable for any one illness is restricted to 50% of the sum insured
- The most important exclusion relates to pre-existing illness. Pre-existing diseases can be covered after four (4) years of continuous coverage under a health policy.All diseases/ injuries and related conditions which are pre-existing at the time of inception of the policy, will be covered after four (4) continuous claim free policy years.
- No claim other than accidental injuries, is payable within the first 30 days of the policy
- The other exclusions for illustrative purposes are :-
- Exclusion of certain named diseases upto first 2 years of the policy.
- Congenital diseases, sterility, venereal disease, intentional self-injury, use of drugs, alcohol, rest cure etc.
- AIDS and other HIV related treatment
- Expenses incurred primarily for diagnostic, laboratory examinations not related to or consistent with the diagnosis for which insured is hospitalized. So also for vitamins and tonics unless forming a part of the main treatment.
- Dental treatment other than necessitated by accidental injury and requires hospitalization.
- Treatment arising from or traceable to pregnancy, childbirth (including caesarean).
- All treatment other than allopathic stream of medicine.
- War, invasion and nuclear perils.
