Single Mediclaim Policy Rewards in General Insurance

Sailent Features / Rewards of Individual(Single) Mediclaim Policy in General Insurance...

Single Medical Care for a time span surpassing three days for such Malady / Sickness / Trauma / Disease which in the conventional path would demand caution and treatment at a infirmary/hospital with our hospital expenses. Genuinely assumed while bounded at domicile in India underneath whatsoever accompanying conditions viz. is Domiciliary Hospitalization. Generally used name for this policy is Health Insurance Policy.

The most significant characteristics in Mediclaim Policy in General Insurance is as presented underneath.

1. The situation of the patient is such that he/she cannot be moved to the Hospital/Rest home. 
2. The patient cannot be moved to hospital/rest room due to insufficient settling therein.

Domiciliary Hospitalization shall not include

• Whatever treatment not surpassing three days.
• Disbursals prevailed for pre and post hospital treatment.
• Disbursals prevailed for treatment of any of the accompanying diseases like Asthma, Bronchitis, Chronic Nephritis and Nephritic Syndrome, Diarrhea and all kinds of Dysenteries including Gastroenteritis, Epilepsy, Hypertension, Influenza, Cough, Cold  and All Psychiatric or Psychosomatic disorders, Pyrexia of unknown origin for less than 10 days, Diabetes Mellitus and Insipidus, Tonsillitis and Upper respiratory tract infection including Laryngitis and Pharingitis, Arthritis, Gout, Rheumatism.

Note: When treatment such as Dialysis, Chemotherapy, Radiotherapy etc is carried in the hospital/ rest home and the insured is dismissed on the similar day, the treatments will be regarded to be assumed under Hospitalization welfare section.

Any One Illness

Any one illness will be viewed to intend as persistent span of illness and it admits reversion within 45 days from the date of last reference with the hospital /rest home where the treatment have been occurred. Encountering of same illness after a elapse of 45 days as mentioned over will be regarded as new for the intention of this policy.

Pre-Hospitalization

In the Mediclaim policy this is germane medical disbursals prevailed during time span up to 30 days earlier to hospitalization on malady/sickness/disease/trauma persisted will be regarded as component of claim. The medical disbursals prevailed during time span of 60 days after hospitalization on malady/sickness/ disease/ trauma persisted will be conceived as component of claim.

Family Discount

A rebate of 10 percent in the aggregate premium accorded representing the insured and any one or more of the accompanying

• Spouse
• Dependent and children(Legitimate or Lawfully adopted children)
• Dependent Parents

Cumulative Bonus

Total amount insured underneath this policy shall be growingly heightened by 5 percent in regard of each claim free year of insurance, content to uttermost accretion of 10 claim free years of insurance. Enclosing the claim under the policy in regard of insured person who has garnered the cumulative bonus the heightened percentage will be lowered by 10 percent of total amount insured at the succeeding refilling. Nevertheless staple total amount will be conserved and will not be lowered.

Cost of Health Checkup

In summation to cumulative bonus, the insured shall be ennobled for compensation of price of medical examination once at the cessation of block of entire four subvention years facilitated that no claims accounted during the block.