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Mediclaim Policy

A mediclaim policy helps you stay stress-free even in difficult times. If covered under a cashless mediclaim policy, you will not be required to pay anything if the treatment availed is covered under the policy. The expenses will directly be paid at the hospital by the insurance company.

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5 Lac coverage starting from only ₹257/Month*
5 Lac coverage starting from only ₹257/Month*
  • Tax Benefit
    Up to 75000**
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*Standard Terms and Conditions Apply.

**Tax benefits are subject to changes in Income Tax Act.

What is a Mediclaim?

Mediclaim is a viable option to safeguard yourself against the soaring healthcare expenses, arising because of hospitalization due to an illness or accident, without needing to incur any expenses from your own pocket.

This simply means that health insurance companies have collaborated with a number of hospitals across the country, known as "network hospitals," to provide cashless services to their policyholders. All the medical bills will directly get settled by the insurance company with the hospital upon availing of treatment at one of the network hospitals.

A cashless mediclaim policy is a blessing in the case of a medical emergency as it offers complete financial security and peace of mind. A cashless Mediclaim policy is more advantageous in the event of a healthcare emergency than a reimbursement Mediclaim policy, which requires you to pay medical expenditures first and then get reimbursed from your insurance provider.

List of Best Mediclaim Policies in India

Below mentioned is a list of some of the best mediclaim policies available in India:

Mediclaim Policy

Sum Insured (In Rs.)

Number Of Network Hospitals


IFFCO Tokio Individual Medishield Insurance

5,000 - 5 Lakh


Lifelong renewal

Care Health Insurance Mediclaim Policy

3 - 75 Lakh


Lifelong renewal

Oriental Insurance Mediclaim Insurance Policy

1 - 10 Lakh


Lifelong renewal

New India Assurance Mediclaim Policy

1 - 15 Lakh


Lifelong renewal

Bajaj Allianz Mediclaim Policy

1.5 - 50 Lakh


Lifelong renewal

Niva Bupa Mediclaim Policy

1 - 15 Lakh


Lifelong renewal

Edelweiss Mediclaim Policy

5 Lakh - 1 Cr.


Lifelong renewal

National Mediclaim Policy

2 - 50 Lakh


Lifelong renewal

Future Generali Mediclaim Policy

3 - 1 Cr.


Lifelong renewal

Royal Sundaram Mediclaim Policy

2 Lakh - 1.5 Cr.


Lifelong renewal

Features of Mediclaim Policy

A mediclaim insurance policy comes with the following features -

1. Coverage
A mediclaim policy covers hospitalization and medical treatment costs incurred due to an accident or pre-defined disease, depending on the plan's amount assured limit.

2. Number of Members Covered
Under a mediclaim, you have an option to include your family members including spouse, dependent children, parents, and parents in law, in addition to you.

3. Claim Process
You can make a cashless claim under a mediclaim policy by getting the medical treatment at one of the partner hospitals of the insurance provider.

4. Ease of Cashless Hospitalization
Health insurance companies have links with hospitals that allow policyholders to receive treatment without needing to pay anything for the charges covered by the policy.These hospitals are known as network hospitals. If you are covered under a cashless mediclaim policy, then you can avail of this benefit.

5. Ease of Buying Policy Online
It is easy to buy a mediclaim policy online. At InsuranceDekho, all you need to do is land on the health insurance page, fill in details as asked, and compare and shortlist from the best mediclaim plans offered by different health insurance companies, as per your budget and other requirements.

Types of Mediclaim Policy

You can choose any of the following types of cashless mediclaim policy as per your requirements:

1. Senior Citizen Mediclaim Policy
Senior citizen health insurance policies are for adults over the age of 60. These plans are especially designed for parents and senior citizens keeping in mind their coverage requirements.

2. Individual Mediclaim Plan
Under individual mediclaim policy, only one person can be covered, i.e. the policyholder.
Family Floater Mediclaim Plan: As the name suggests, a family floater mediclaim plan allows you to cover your family members as well apart from themselves. These may include their spouses, dependent parents, dependent children, grandparents, etc.

3. Critical Illness Plans
These policies provide coverage for specific critical illnesses that are listed in the policy. Once you've been diagnosed, your insurance provider will pay you a lump sum that you can use to pay for treatment, pay off debts, or even replace lost income.

4. Personal Accident Plans
A personal accident insurance coverage covers medical expenses incurred as a result of an accident. Impairment, mutilation, various bodily injuries, or even death are examples.

5. Hospital Daily Cash Benefit Policy
Under this policy, the insurance provider pays you a fixed amount for each day when you get hospitalized, irrespective of the actual expenses incurred.

How to Raise Claims for a Mediclaim Plan?

A policyholder can raise a claim in 2 ways under a Mediclaim plan. The first method is cashless claim and another one is via reimbursement claim. Let us understand the 2 ways in detail.

Cashless Claim Process for Mediclaim Policy

A cashless claim process allows a policyholder to receive medical treatment at any of the Mediclaim plan's listed hospitals without paying any out-of-pocket costs.You can follow the below mentioned steps for making cashless claim:

  • You can go to any of the network hospitals listed under your Mediclaim plan in order to avail treatment.
  • Get a pre-authorization form at the health insurance desk of the hospital and fill in the form with all the relevant details. Later, get the form stamped.
  • Then, the hospital would send it to the TPA or the insurance company for further approval.
  • The insurance company would approve the application after reviewing it. Once the approval has been granted, it will be returned to the hospital along with the coverage amount.
  • Your insurance company will cover the bill directly with the hospital after you have received your treatment and given all of the necessary documentation at the time of discharge.

Reimbursement Claim Process for Mediclaim Plan

  • To make a reimbursement claim, you are required to intimate your insurance provider regarding your hospitalization. This can be done via email or by simply contacting your respective insurance company on their customer care number.
  • Once you have got the treatment, collect all the necessary documents from the hospital. Submit these documents including medical bills, hospital bills, payment receipts to your mediclaim insurance company.
  • Along with the bills, do not forget to include a claim form and a discharge card. Thereafter, the insurance company would check the claim.
  • Once the approval is given, the insurer would reimburse the amount.

How Can I Make A Cashless Claim Under My Mediclaim Policy?

Cashless mediclaim treatment can be availed in both the following cases -

1. Planned Hospitalisation
If you are having planned treatment, you must inform your insurance company before being admitted to the hospital. When you arrive at the hospital, fill the pre-authorization form and submit it to the TPA.Your form will then be checked and verified by the TPA service provider. Following approval, the insurance provider makes cashless treatment possible for you by covering hospital and other treatment-related costs. As long as the terms and conditions of the policy are met, you can receive cashless treatment.

2. Emergency Hospitalization
In the case of an emergency, the pre-authorization form must be filed within 24 hours of hospitalization by one of your relatives. Your request will then be processed within 6 hours by the TPA. Post-approval, the insurance company will settle the hospitalization expenses directly at the hospital.

Benefits of Cashless Mediclaim Policy

Cashless mediclaim plans have several advantages. Some of them are as follows:

Ease of Buying: InsuranceDekho or the websites of health insurance companies offer cashless mediclaim plans that may be purchased both offline and online.The purchase process is simple and takes just a few minutes to get a policy.

Tax Benefits: The premium paid for mediclaim plans qualify for tax deductions for up to Rs. 25,000 under Section 80D of the Income Tax Act, 1961. These plans also offer an additional tax benefit of Rs. 25,000 premium paid for parents’ mediclaim policy (Rs. 50,000 if parents are senior citizens).

Cost-Effective Healthcare Services: Under cashless mediclaim plans, you can avail of cost-effective healthcare services at premium hospitals.

Documents Needed When Buying a Mediclaim Plan

  • You require the following set of documents when purchasing a Mediclaim plan:
  • Duly filled proposal form
  • Age proof like passport, Aadhaar card, voter id card, etc
  • Identity proof like Aadhaar card, driving license, passport and so on
  • Passport size photo
  • Address proof like driving license, Aadhaar card, etc
  • Pre-policy medical test reports

How to Save Tax By Purchasing a Mediclaim Policy?

Purchasing a mediclaim policy is one of the biggest investments that one makes. One of the biggest advantages of purchasing a mediclaim is that you can avail tax benefits. Let’s understand how you can save tax by purchasing a mediclaim policy.

According to Section 80D of the Income Tax Act 1961, all premiums paid for health insurance/mediclaim plans in a year are tax deductible. This section allows for a yearly tax exemption of Rs. 25,000.Below mentioned table will help you under the tax tax deductions available under a mediclaim policy under Section 80D for different situations:


Deductions (In Rs.)

For Individuals and Parents below the age of 60 years


For Individual and Family + Parents above the age of 60 years


For Individual and Family below the age of 60 years + Senior Citizen Parents


For Individual and Family with eldest member above the age of 60 years + Senior Citizen Parents

1 Lakh

The maximum amount of tax benefit an individual can avail by purchasing a mediclaim policy is Rs. 25,000 for all the premiums paid towards a mediclaim policy in a year.

Note: The afore-mentioned tax benefit list is as per prevalent tax laws in India. You should get these re- confirmed from your respective insurer about these benefits.

Claim Rejection Reasons in Cashless Mediclaim Policy

There are several reasons due to which cashless insurance claims can get rejected. However, some of these reasons can be avoided if you follow a little extra care. Here are reasons for cashless claim rejection:

1. Pre-Existing Conditions: One of the major reasons behind cashless claim rejection is Pre-existing health conditions. Pre-existing medical conditions that exist at the time of policy issue are not covered for a set time period, which varies by insurance provider and can range from 24 to 48 months. The waiting period is the period during which hospital expenses incurred as a result of the treatment of pre-existing conditions are not covered under the cashless Mediclaim plan.

2. Unaware About the Claim Process: At times being unaware of the entire claim procedure and not being able to follow the process diligently results in claim rejection. For instance, by missing the proper time limit for claim filing can become one of the reasons for your claim getting rejected.By mentioning wrong details in the form, non-submission of correct documents, etc could result in cashless claim rejection. However, if you are familiar with the claim process and require support from your insurance company's customer service team for any details, you may be able to reduce these types of claim rejections.

3. Exclusions: Despite the fact that a cashless Mediclaim policy covers all main hospitalisation bills, these policies have some limitations. The cashless Mediclaim policy, for example, does not cover hospital fees incurred for the treatment of sexually transmitted diseases such as HIV/AIDS.You can file a claim for all expenses that are not covered by the insurance. If you file a claim for one of the exclusions, your claim will be rejected straight away.

4. Non-Disclosure of Material Facts and Information: In case, you hold back any material facts or information while purchasing a cashless Mediclaim policy, then it can result in the rejection of claim at a later stage. For example, if you do not disclose the information about any pre-existing health conditions while purchasing a cashless mediclaim policy can result in your claim being rejected later.

5. Policy Period: A cashless Mediclaim coverage is a sort of insurance contract that lasts for a set amount of time. When an insurance policy expires, all of the benefits and coverage it provided are no longer valid.In case, you register for any claim after the expiry of your cashless mediclaim policy period and before getting it renewed, it would result in claim rejection.

Things to Consider When Buying Mediclaim Policy in India

If you are planning to buy health insurance anytime soon, then you must consider the following things:

Sum Insured: The total coverage amount available under a mediclaim policy is referred to as the sum insured. The premium you pay for the plan is mostly determined by the amount insured.Thus, you should opt for an optimum sum insured considering your medical requirements and your budget.

Type of Mediclaim Plan: There are major 4 types of mediclaim policies namely hospitalization plan, hospital daily cash benefit plan, critical illness plan, and personal accident plan. You must choose the type of plan which best meets your requirements.

Co-Payment Clause: A co-payment clause is one in which you agree to share a portion of your out-of-pocket payments with the insurance company. As a result, while selecting a mediclaim, think about whether you want a co-payment clause.The co-payment clause helps you get the plan for a lower premium but if chosen also reduces the sum insured amount at the time of claim settlement.

Network Hospitals: Network hospitals refer to the partner hospitals of the insurance company at which you can avail cashless treatment. Thus, while selecting a mediclaim policy, you must choose an insurance provider which has a wide network of partner hospitals.

Waiting Period: Mediclaim plans have waiting periods during which you will not be able to use the policy's coverage benefits. There are also waiting periods for people who have pre-existing diseases or illnesses.Thus, you must check for these waiting periods before buying a mediclaim policy.

Incurred Claim Ratio: Claim settlement ratio incurred by the insurance company is important to consider while purchasing a cashless mediclaim policy.Insurance providers with a high claim settlement ratio ensure that policyholder claims are settled quickly and without difficulty.

Cost: Although cashless Mediclaim policy purchases should not be decided entirely on the basis of plan costs, a higher premium rate can have a negative influence on your annual budget. As a result, it's vital to choose plans that give you the coverage you need at a fair price.

Why Must You Purchase a Mediclaim Plan Online?

You must buy a mediclaim plan online because of the following reasons:

  • Safe and secure payment modes leading to no fraud or risk.
  • Convenience of seeing and comparing the top-rated mediclaim plans via a few clicks from the comfort of your home.
  • Premium payment via multiple modes including debit card, credit card, net banking facility etc.
  • Easy customization of Mediclaim plan and instant premium calculation.
  • Digital documents thus no paperwork is involved.

How to Purchase a Mediclaim Plan Online with InsuranceDekho?

You can purchase a Mediclaim plan online via InsuranceDekho website by following the below-mentioned steps:

  • Go to the InsuranceDekho website and select the ‘health’ tab.
  • Enter your personal information such as name, gender, phone number, etc. And you would get an OTP, which you need to enter. Click on the ‘View Now’ option and select your age.
    Click on the ‘Continue’ option and enter the city where you are currently residing and its pin code.
  • On the screen, you will see all of the best medical insurance policies based on your requirements. Choose the best plan for you from the options available.
  • After selecting the plan, make the premium payment. All the necessary documents would get sent to you via your registered email-Id.

How InsuranceDekho can Help You in Purchasing a Mediclaim Plan?

On the InsuranceDekho website, you can compare all of the best Mediclaim plans from various insurance companies on a single platform. You may access free quotes from top-rated mediclaim insurance companies online, which you can compare with just a few clicks, by simply providing your basic information.

You can also use a free Mediclaim premium calculator on our website to calculate the insurance premium before purchasing a certain plan, and so plan all of your financial goals in an easy and efficient manner.By doing proper plan comparison, you can instantly purchase the top-rated and affordable Mediclaim plans from anywhere at any time.

Comparison Between Mediclaim Policy and Health Insurance

Below mentioned is a detailed comparison between a mediclaim and health insurance policy that will help you understand how they both work.


Mediclaim Policy

Health Insurance Policy


Under a mediclaim policy coverage for only hospitalization, expenses of treatment for accidental injuries or pre-existing diseases is provided. Coverage for pre-existing diseases shall be provided upto a pre-specified limit.

Health insurance policy offers coverage for medical and surgical expenses incurred by the insured during the policy tenure, the medical expenses may arise if the insured falls ill, meets an accident or requires hospitalization for treatment.


In terms of coverage, no flexibility is offered under a mediclaim policy.

Health insurance policy offers flexibility to increase the sum insured during renewal. Policyholders can choose to increase their coverage amount at the time of renewing the health insurance policy.

Add-on Cover

No add-on covers are available under a mediclaim policy.

Several add-on covers are available under a health insurance policy, such as personal accident cover, critical illness cover, maternity cover etc.

Sum Insured

Generally the sum insured of a mediclaim policy does not exceed Rs. 5 Lakh.

Sum insured under a health insurance policy may lie between Rs. 50,000 to 5 Crore.

Critical Illness

Under mediclaim policy, no coverage is provided for critical illnesses.

Under a health insurance policy, coverage for critical illness such as stroke, heart ailments, cancer, kidney failure etc. is provided which is subject to the terms and conditions of the insurance provider.


The policyholder can file multiple numbers of claims until the total sum insured is exhausted.

Under health insurance policy, the policyholder can file claims until the sum insured isn’t exhausted, but for critical illness, accidental disability claims, they can be made once during the tenure where the sum insured is provided in a lump sum for such claims.

What is Covered in a Mediclaim Policy?

The inclusions under a mediclaim policy vary from one insurance company to another, but there are some common exclusions the most health insurance companies provide coverage for. Below mentioned are some common exclusion under a mediclaim policy:

1. Hospitalization Expenses: In case the insured person is required to be hospitalized for a treatment, hospitalization expenses such as room charges, bed charges, private room or ICU charges and in-patient hospitalization expenses shall be covered under a mediclaim policy.

2. Daycare Treatments: Mediclaim policy does cover day care treatment expenses where the insured person does not require to be hospitalized for a minimum of 24 hours.

3. Pre and post Hospitalization Expenses: There are several expenses incurred by the policyholder before and after they have been hospitalized, a mediclaim policy covers pre and post hospitalization expenses.

4. Doctor’s Consultation Fees: Under a mediclaim policy doctor’s consultation fee is covered.

5. Annual Health Check-ups: Under a mediclaim policy coverage for yearly preventive health check-ups of the insured person is provided. It also includes tests for blood sugar, blood tests, urine routine tests, ECG check-ups etc.

What is Not Covered in a Mediclaim Policy?

There are certain aspects, things and diseases which are not covered under a mediclaim policy, this depends on terms and conditions of an insurance company. Below mentioned are some common exclusion under a mediclaim policy:

1. Pre-existing diseases until the waiting period is over
2. Any medical condition or critical illness diagnosed within 30 days from the date of purchasing the mediclaim policy
3. Cosmetic surgery
4.Dental surgeries unless it requires hospitalization
5. Pregnancy and abortion
6. Birth control and hormonal treatments taken
7. Self inflicted injuries

Factors to Consider While Buying a Mediclaim Policy

Before purchasing a mediclaim policy you should consider a few factors that will help you in making an informed decision. Mentioned below are some factors that you should consider while purchasing a mediclaim policy.

1. Network Hospitals: Check the number of network hospitals available under the policy and affiliated with the insurance provider when acquiring a mediclaim policy. Always look for a medical insurance policy with a large network of hospitals. A large network of network hospitals is advantageous since it allows policyholders to take advantage of cashless treatment at network hospitals.While undergoing treatment from a network hospital, the policyholder does not need to pay to the hospital, instead the insurance provider will directly settle your bills.

2. Daycare Treatment Coverage: Many insurance providers offer coverage for hospitalization that lasts more than 24 hours. It is essential to purchase a mediclaim policy that will cover day expenses because many medical procedures do not require hospitalization for a minimum of 24 hours such as dialysis. While purchasing a mediclaim policy check whether your insurance provider offers coverage for daycare procedures or not.

3. Co-Payment Option: There are several mediclaim plans that come with a co-payment clause. Under the co-payment clause the policyholder has to bear a certain percentage of the expenses incurred before the insurance provider settles the remaining cost of expenses. Before purchasing a mediclaim policy, check the terms and conditions of the policy thoroughly to ensure if there is a co-payment clause under the mediclaim policy or not.

4. Waiting Period:

  1. Pre-existing diseases are usually subject to a waiting time imposed by insurance companies. Getting coverage for pre-existing medical issues usually takes a lengthy time. The policyholder will not be able to file a claim for treatment of a pre-existing disease while waiting.Hence, it is very important to look for mediclaim policy that has a shorter waiting period for covering pre-existing medical diseases.

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Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

FAQ About Mediclaim Policy

  • How does a cashless mediclaim policy help me?

    Cashless mediclaim helps you deal with medical emergencies by paying for your hospital bills. In a cashless mediclaim policy, all the medical bills are directly settled by the insurance company provided the amount falls within the sum insured limit. This leaves the insured tension free.

  • Can I avail of cashless treatment in any hospital?

    Every insurance company has tie-ups with hospitals that are known as network hospitals. You can avail cashless treatment only at the network hospitals. If you are hospitalised in a non-network hospital, then you will be required to pay the hospital bill out of your own pocket and later file a reimbursement claim to the insurer.

  • What all factors are responsible for affecting premiums paid towards cashless mediclaim policy?

    Premiums paid towards cashless Mediclaim insurance are dependent upon several factors. Given below is the list of some major factors that can possibly affect the premium paid towards your cashless mediclaim policy:

    • Pre-existing health conditions
    • Age
    • Self-destructive habits like drug abuse and alcohol
    • Medical history of family
    • Profession
    • Marital Status, and others
  • What is the meaning of ‘free-look period’ in cashless mediclaim policy?

    A free look period is the time period given to the new policy buyers under a cashless Mediclaim policy in order to understand and agree with the terms and conditions mentioned in the policy document. In case, they disagree with some terms and conditions mentioned in the policy, then they can terminate it without requiring to pay any penalties. Generally, most of the cashless Mediclaim policy comes with a free look period of 15 days within this duration, a policyholder can cancel the policy if they disagree without any fines or penalties. However, it is important to mention the reason for cancellation of the insurance policy.

  • Are there any tax benefits available under the cashless Mediclaim policy?

    Yes, as per the section 80D of the Income Tax Act, premiums that are paid towards cashless Mediclaim policy can be claimed as tax deductions. Premiums paid towards the insurance plans that offer coverage to self, spouse, children and parents are eligible for availing tax deductions.

  • Why should I buy a mediclaim plan?

    A mediclaim policy provides financial support to the insured person in case he/she needs to be hospitalized for medical treatment that may be required to an accident or pre-defined disease.  During any medical emergency, a cashless mediclaim policy acts as a blessing as it provides complete financial security and peace of mind. 

  • What all is covered under a mediclaim plan?

    Following are the features that covered under a mediclaim plan- 
    Room rental for a medical facility for  both a standard ward or ICU.
    Expense charged by specialist, specialists, and other clinical experts associated with the treatment.
    Direct fees charged during hospitalization 

  • What are the features of a mediclaim plan?

    Following are the features of a mediclaim plan- 
    A mediclaim policy covers hospitalization and medical treatment costs incurred due to an accident or pre-defined disease, to the plan's assurance. 
    Under a mediclaim you can include family members
    You can file a cashless claim under a mediclaim policy by getting medical treatment at a network hospital.

  • Does mediclaim policy cover Coronavirus?

    Yes, mediclaim policy covers CoronaVirus. Medical expenses will be covered by all standard health insurance policies if you are hospitalized for a minimum of 24 hours for Covid-19 treatment.

  • What are network hospitals under a mediclaim plan?

    A network hospital under a mediclaim plan is one that has an agreement with an insurance company that provides cashless treatment to the insured. If you receive treatment in a network hospital, your insurance provider will cover your hospitalization expenses. 

  • How to purchase a mediclaim plan in India 2022?

    You can purchase a mediclaim plan online and offline from the insurance provider of your choice. You can visit the insurance company’s branch office to purchase the mediclaim policy. You can also choose to purchase the online from the insurance company’s website. 

  • Can I purchase a mediclaim policy online?

    You must buy a mediclaim plan online because of the following reasons:
    Safe and secure payment methods, with no chance of fraud. 
    The convenience of seeing and comparing the top-rated medical insurance plans from the comfort of your own home in just a few clicks.
    Premium payments can be made using a variety of methods, including debit card, credit card, and net banking.
    Mediclaim plan customization is simple and premiums are calculated instantly.
    Digital documents are used thus no paperwork is involved.

  • Does mediclaim policy provide tax benefits?

    You can save taxes under a Mediclaim plan in the following ways:
    A policyholder is eligible for a tax credit of up to Rs. 75,000 under section 80 D of the Income Tax Act.
    For each financial year, a mediclaim plan for parents can provide an additional tax deduction of up to Rs. 25,000.
    According to section 80D of the Income Tax Act, you can also claim tax benefits for your basic medical health check ups once a year. It can cost as much as Rs. 5,000 every year.
    Purchasing a Mediclaim plan will allow you to gain a tax deduction of up to Rs. 25,000 on the premium paid towards your Mediclaim plan during each budgetary year.

  • What are the types of cashless mediclaim policy?

    You can choose any of the following types of cashless mediclaim policy as per your requirements:
    1. Senior Citizen Mediclaim Policy
    2. Individual Mediclaim Plan
    3. Critical Illness Plans
    4. Personal Accident Plans
    5. Hospital Daily Cash Benefit Policy

  • Are add-on covers available under mediclaim policy?

    No, add on covers are not available under a mediclaim policy. 

  • What are the exclusions of a mediclaim policy?

    Following are the exclusions of a mediclaim policy- 
    It does not cover childbirth complications,suicide injuries, HIV AIDS and any healthcare problem diagnosed within 30 days of policy insurance.
    Dental and Vision
    Alternative Medicine
    Mental Health
    Outpatient Prescriptions

  • How to make reimbursement for the mediclaim process for mediclaim plan?

    In order to make a reimbursement claim,you must inform your insurance provider of your hospitalization. This can be done via email or by calling the customer service number provided by your insurance carrier.
    After you have received treatment, collect all the relevant documents from the hospital.
    Along with the expenses, do not forget to include a claim form and a discharge card. The insurance company would then verify the claim.
    The insurer would reimburse the amount after the approval was issued.

  • What is the maximum sum assured for mediclaim policy?

    The minimum sum covered for mediclaim policy is Rs. 1 lakh, with a maximum limit of Rs. 5 lakh. Within these limits, the policyholder may choose any Sum Insured in multiples of 50,000.

  • How does cashless mediclaim policy work?

    In case of a medical emergency the insured person requires to be hospitalized for the treatment, the mediclaim policy will provide financial aid to fulfil the hospitalisation expenses. 

  • What is the maximum number of claims allowed under mediclaim policy?

    There is no defined number of minimum and maximum claims allowed for the policy. However, the insured person can make claims for up to the sum assured of the mediclaim policy. 

  • Can I cancel my mediclaim policy and if yes will I get my premium back?

    Yes, you can cancel your mediclaim policy and get a refund, you will get a refund only if you have made no claims during the policy year. You can cancel your mediclaim policy anytime. 

  • How to port a mediclaim policy?

    To port your mediclaim policy, you need to inform your insurance company about the same and follow the instructed process. The portability process may differ from one insurance provider to another.

  • How to get a mediclaim policy?

    You can purchase a mediclaim policy online and by visiting the nearest branch office of your preferred insurance provider. You can visit the official website of your preferred insurance provider and purchase the mediclaim. You can also purchase a mediclaim policy from InsuranceDekho. 

  • How to calculate mediclaim policy premium?

    The premium for your mediclaim policy is calculated on the basis of a number of factors including the plan chosen, the sum assured opted, your medical history, tenure of the plan, etc.

  • How to choose the right mediclaim policy?

    There are a few factors that can help you choose the right mediclaim policy, these factors are number of network hospitals, availability of shorter waiting period, coverage for daycare treatments, no co-payment clause, availability of lifelong renewability. Consider these mentioned factors to choose the right mediclaim policy. 

  • What is the mediclaim policy for employees?

    Mediclaim policy for employees refer to group/corporate health insurance policy availed by an organization or company to provide health insurance benefits to its employees.

  • What is a group mediclaim policy?

    Under a group mediclaim policy an employer will provide mediclaim coverage to its employees and will add benefits to their remuneration such as the benefits of cashless hospitalization or the reimbursement on hospitalization expenses.     

  • What is overseas mediclaim policy?

    An overseas mediclaim policy provides coverage against the risk of being hospitalized and its expenses in a foreign country. This type of mediclaim policy covers medical expenses incurred for the hospitalization while the insured person is outside of India. It covers both inpatient and outpatient expenses. 

  • What is the eligibility criteria to purchase a mediclaim policy in India ?

    An individual between the age of 18 to 65 years can purchase a mediclaim policy in India. 

  • What do I need to do after I get hospitalized?

    Once you have been hospitalized you must immediately inform your insurance provider so the reimbursement claim or cashless treatment can be initiated at the correct time. 

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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: Second and Third Floor, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - ; Helpline number: 7551196989.
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