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Comparison: MediClaim Vs Health Insurance

Published On Jan 23, 2021, Updated On Apr 26, 2021

The terms Mediclaim and Health insurance are often confused with each other and used interchangeably by most people however they are significantly different. Understanding the difference between them is important as they serve different different purposes and can help you choose one that best fits your requirements.

  1. MediClaim: A MediClaim policy covers the cost incurred during hospitalization due to injury and disease up to the sum insured by the policyholder, most other expenses have to be borne by the individual themselves.
  2. Health Insurance: A Health Insurance plan offers a more extensive cover which includes charges for inpatient treatment, pre and post hospitalization charges, day care treatment, annual health checkups and other medical expenses. Health Insurance companies also offer additional covers for maternity, critical illness etc that can be purchased to be included in the policy plan.

Comparison: MediClaim Vs Health Insurance

Key Differences: Mediclaim Vs Health Insurance

The following table lists the key differences between Mediclaim and Health Insurance

Parameter Mediclaim Health Insurance
Premium cost Mediclaims tend to offer Cheaper Premiums Premiums for health insurance are relatively more expensive

Mediclaim Policies are inflexible Health insurance policies are more flexible like selecting different sum insured amounts or changing it

The Coverage is mostly limited to hospitalization charges The coverage extends far beyond the hospitalization charges including daily allowance, day care treatment, ambulance charges, annual health check ups etc
Add Ons

No add ons are available Several Add ons are available for critical illnesses, disability, maternity, infertility etc

Individual must get hospitalized in order to file claims Hospitalization is not necessary as day care treatments are covered as well
Sum Insured

The amount of money insured for mediclaims is typically less The insured amount for health insurance can extend a lot more


Mediclaims are a reasonable option if you desire to have a cover for hospitalization expenses for emergencies at low prices however Health Insurances have several more benefits when compared to Mediclaims as they are more flexible and can be customized to include more covers according to customer’s need and cover things beyond just hospitalization charges, hence proving to be more useful and beneficial in the long term.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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