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Moneycontrol.com - Insurance, Mediclaim Premium Calculator
  You are here  :   Moneycontrol    Insurance    MEDICLAIM INSURANCE POLICY - Salient Features Of The Policy
MEDICLAIM INSURANCE POLICY
 Questions
Salient Features
Of The Policy
Definitions
Domiciliary Hospitaliza-
tion Benefit
Exclusions
Age Limit
Family Discount
Notice Of Claim
Cumulative Bonus
Cost Of Health Checkup
Cancellation Clause
Salient Features Of The Policy :
  The policy covers reimbursement of Hospitalization/Domiciliary Hospitalization expenses for illness/diseases or injury sustained.
  In the event of any claim becoming admissible under the scheme, the company will pay to the insured person the amount of such expenses as would fall under different heads mentioned below, and as are reasonably and necessarily incurred thereof by or on behalf of such Insured Person, but not exceeding the Sum Insured in aggregate in any one period of Insurance stated in the schedule hereto.
a) Room, Boarding Expenses as provided by the hospital/nursing home.
b) Nursing Expenses.
c) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees.
d) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & Cost of Organs and similar expenses.
(N.B.: Company's Liability in respect of all claims admitted during the period of insurance shall not exceed the Sum insured per person mentioned in the schedule.)
  This insurance scheme also provides for -
a) Family discount in premium (refer item 6)
b) Cumulative Bonus (refer item 9)
c) Cost of Health Check-up (refer item 10)
(N.B. : Renewal of insurance without break is essential.)
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