Mediclaim Policies

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If you take a look at the medical market, you would find that the medical costs are increasing by the day. Keeping this in mind and benefiting from the medical services in case of any unexpected ailment or accidents would thus become very steep. Mediclaim policies act as a solution to keep away from increased medical charges. A reason why if you have not enrolled in to one you must do so at the earliest.

Features of Mediclaim Policies

If you have been thinking about investing in mediclaim policies then you need to be aware of its features and services. Most of the mediclaim plans can be taken for individual purposes as well as for family.

Let us have a look at some of the salient features of Mediclaim policies. The points are listed below:-
  • If you have a purchased a mediclaim policy then the coverage that you can expect is on inpatient hospitalization, outpatient treatment, ambulance expenses, and post and pre hospitalization charges, domiciliary hospitalization as well in case of ailments that were pre-existing.

  • The best mediclaim policies would also cover for other cases such as dental treatment expenses and maternity treatment.

  • You can also avail few policies where there are other benefits as well when you pay an additional premium amount.

  • One of the major benefits provided by the mediclaim insurance companies is coverage for critical illness.

  • There are times when the coverage provided by the policy might be shortened. Like wise the coverage needed might just be added in the exclusion part.

Mediclaim Policy Premium

The most important factor when considering a mediclaim policy is the premium. Most of the policies come with a standard to high premium. This premium is levied upon the insurance companies and does not have any fixed rate. In addition, the premium also depends on other allied factors such as the age of the individual and the coverage provided by the policy. Going forward, if you would want to seek the benefits of the policies then you have to take an overview of all the mediclaim plans that suits your need and the premium charged for it.

Companies offering Mediclaim Policies in India

There are quite a few leading companies who deal in mediclaim policies. The eminent names are National Insurance Company, Tata AIG, Royal Sundaram, ICICI Lombard, United India Insurance, HDFC, Bajaj Allianz, New India Assurance, Apollo Munich and Reliance.

Mediclaim Products in India

When you are searching for mediclaim products in India, you have a lot of options. Various companied offer the same in different schemes and policies. Let us have a look at some of the famous ones.

Star Health Insurance

It is known as the first exclusive company in India dealing with health insurance. The products that you can choose from are listed below:-
  • Overseas Mediclaim
  • Family Health Insurance
  • Individual Health Insurance
  • Travel Insurance and Personal Accident
Apollo Munich

Let us have a look at the mediclaim products that you can avail if you are opting for an individual insurance policy:-
  • Personal Accident Plan
  • Easy Health Premium
  • Maxima
  • Easy Health Standard
  • Insure Health
  • Easy Health Exclusive
The products that are offered for family mediclaim policies are as follows:-
  • Easy Health Standard
  • Optima Cash
  • Easy Health Premium
  • Maxima
  • Easy Health Exclusive

Last Updated on 15/06/2011

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