WHAT Is MEDICLAIM
Mediclaim coverage is a type of health insurance that only pays for medical costs you incur while you’re in the hospital. Up to the sum insured limit, it provides medical coverage for hospitalization expenses. Mediclaim insurance is available on an individual and floater sum insured basis, and it also provides the policyholder with cashless treatment facilities at the insurer’s network hospitals.
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Types of Mediclaim Policies
In India, there are various kinds of Mediclaim policies. You can select the coverage based on your health requirements and receive medical care with confidence. Let’s examine the different kinds of Mediclaim plans:
- INDIVIDUAL MEDICLAIM POLICY
Only the policyholder is covered by health insurance in an individual mediclaim policy. Under this kind of policy, only one person may receive the benefits of medical insurance against the amount paid. In India, several health insurance providers provide individual mediclaim plans.
- Family Floater Mediclaim Policy
A family floater mediclaim policy covers the policyholder and all members of their family, such as parents, spouses, and kids. All family members have floater access to a single sum covered amount under this kind of coverage.
- Senior Citizen Mediclaim Policy
The purpose of senior citizen mediclaim coverage is to pay for hospital bills for individuals who are older than 60. The coverage provided by senior citizen health insurance policies is tailored to meet their specific medical needs.
- Critical Illness Mediclaim Policy
Critical illness insurance is a type of medical coverage that, depending on the specifics of the selected policy, pays benefits to covered individuals who must be hospitalized for critical diseases such as cancer, severe burns, or coma. Both individual and family health insurance plans are offered by this all-inclusive and simple-to-obtain plan.
Why Choose Mediclaim Insurance?
In the unpredictable world of today, medical emergencies might occur at any time. As a safety net, mediclaim insurance makes sure you and your loved ones have access to money when things go tough. Here’s why having Mediclaim is crucial:
01
Emergency Financial Safety
Protect yourself from the high costs of medical emergencies. Mediclaim provides a financial cushion, allowing you to focus on recovery rather than expenses.
02
Cashless Hospitalization
Bid farewell to the inconvenience of upfront hospital bills. You can take advantage of cashless hospitalization at a network of hospitals with Mediclaim, guaranteeing easy and stress-free medical care.
03
Pre- & Post-Coverage
Obtain coverage for diagnostic testing prior to hospitalization and for costs incurred after treatment, guaranteeing all-inclusive care from discharge.
04
Tax Benefits
In addition to safeguarding your health, Mediclaim also lowers your tax burden. Take advantage of the Income Tax Act’s Section 80D deductions, which provide an additional financial incentive to protect your health.
05
Family Coverage
Make sure everyone in your family is safe. Mediclaim plans provide coverage for parents who are reliant on you, your spouse, and your kids, offering your loved ones the security they need.
06
Peace of Mind
Being financially prepared for emergencies gives you a great deal of peace of mind. You can concentrate on what really matters—your healing and well-being—with Mediclaim insurance.