Individual Mediclaim Policy Overview
The Individual Mediclaim Policy is designed to offer comprehensive hospitalization coverage for individuals seeking affordable protection against unexpected medical expenses. It provides a simple and effective safeguard against healthcare costs arising from accidents or illnesses.
Eligibility and Policy Terms
- Entry Age: 18 to 65 years (Adults), 5 months to 25 years (Children)
- Policy Type: Individual
- Tenure: 1 year (renewable for life)
- Sum Insured: ₹1 lakh to ₹25 lakh
- Renewal: Lifelong
Plan Benefits
- Hospitalization expenses due to illness, disease, or accident
- Pre & Post-Hospitalization expenses (30 and 60 days respectively)
- Coverage for daycare procedures, doctor’s fees, medicines, diagnostics, and room rent
- Ambulance charges up to specified limits
- AYUSH treatment covered up to applicable limits
- Organ donor expenses covered up to sum insured
- Modern treatments included under IRDAI guidelines
- Optional Personal Accident Cover for accidental death
Coverage Details
- Room Rent: As per plan limits
- ICU Charges: Covered up to limits
- Daycare Procedures: All listed procedures covered
- Organ Donor Expenses: Covered
- Modern Treatments: Covered as per schedule
Exclusions & Limitations
- Pre-existing diseases covered after 48 months waiting period
- Cosmetic, dental (non-injury), infertility, and weight control procedures excluded
- Treatment outside India not covered
- For complete exclusions, refer to insurer’s policy document or official website