Mediclaim Policy is an Insurance coverage wherein any of your Health realted hospitalisation bills can be claimed from the insurance company. There are two different ways to get your bills claimed either by cashless facility i.e your bills are directly paid to the hospital or you can pay your bills in the hospital and get an reimbursement after submission of the same to the insurance company. Mediclaim policy is a essential for the peoples because it saves financial loss in case of hospitalization for any sickness, disease or accident. But it costs is much higher than other insurance and still it is rising.
In the current scenario, medical expenses are very high and its increasing everyday. The latest family mediclaim insurance is ideal solution to save money and cover entire family under single sum insured. This means no more multiple premiums and no more financial strain. A mediclaim or a health insurance policy provides for reimbursement of hospitalization. If for some reason, an individual is on bed at and needs an attendant or a nurse, the mediclaim policy will cover the expenses.
Expenses associated with treatments such as dialysis, chemotherapy, radiotherapy etc are also covered by the mediclaim policy. If an individual is taken to a hospital or a nursing home and the insured person-patient is discharged on the same day, the treatment will be considered to be taken under ‘Hospitalisation Benefit Scheme’.
This policy is available in two variants - short term and long term and the coverage level is similar like other traditional mediclaim policies. It provides covers for hospitalization expenses for illness and diseases. It includes expenses for doctors fees, nursing expenses, medicines, blood, surgical appliances and other related expenses.
It is very important for you to check what all is covered by a mediclaim policy. Any disease or sickness existing before the mediclaim is taken will not be covered. Each mediclaim policy has a list of specific exclusions. Check the list. Most Insurance Companies do not offer mediclaim for obesity related illnesses, expenses arising from HIV or AIDS or the use of alcohol or drugs and expenses due to attempted suicide. Expenses associated with the treatment due to war, riots or a terrorist attack is not insured by policies.
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