Mediclaim Policy

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Mediclaim Policy is a form of health insurance that helps you to manage expenses arising out of medical treatment. The expenses made by you towards the treatment of an illness, overcoming a medical emergency, or hospitalization expenses as a result of an accident are reimbursed up to the sum insured bought by you. In short, for the premium payment made by you to the insurance company, you get to enjoy a financial shield that protects you from medical expenses up to the sum insured for a period of one year.

What is Mediclaim Policy?

The most economical manner of being prepared for medical emergencies and protecting your savings is through a mediclaim insurance policy. It looks after clinical prices following hospitalisation on illness or accident or even for any surgery required. The payments are taken care of through either a cashless treatment facility or repayment mode offered by means of the insurance company.

Mediclaim insurance plans reimburse your costs on submission of applicable proofs like clinical bills. Alternatively, it may make you eligible for a wholly cashless hospitalization in which your insurer acts as the intermediary between your insurance provider and the concerned hospital.

List of Best Mediclaim Policy in India July 2021

*Here is the list of active Mediclaim Plans available in the market:*

Government/Public Health Insurance Companies and It's Mediclaim Policies

Mediclaim Policy Entry Age Sum Insured Renewability Network Hospitals
National Mediclaim Plus Policy 18 to 65 years 2 to 50 Lakh Lifelong Renewal 6000+
New India Assurance Mediclaim Policy 18 to 65 years 1 to 15 Lakh Lifelong Renewal 3000+
Oriental Individual Mediclaim Policy 18 to 65 years 1 to 10 Lakh Lifelong Renewal 4300+

Private Health Insurance Companies and It's Mediclaim Policies

Mediclaim Policy Entry Age Sum Insured Renewability Network Hospitals
Star Medi classic Insurance Policy 5 months to 65 years 1.5 to 25 lakh Lifelong Renewal 9900+
Future Generali Health Total Mediclaim Insurance Day 1 up to any age 3 lakh to 1 Cr Lifelong Renewal 5100+

Why Mediclaim Policy

Mediclaim policy comes to your rescue in case you are hospitalized due to an accident or any ailment. It covers you for nursing, lodging and treatment costs up to the coverage amount that you choose while buying health insurance policy. Most mediclaim policies also cover the treatment sought before and after hospitalization, related to the reason or ailment you were hospitalized for. This time frame depends on the insurers and typically ranges from 30 to 60 days before hospitalization and between 60 and 120 days after hospitalization.

The rapidly increasing cost of medical and healthcare, one of the reasons being rising inflation rates, emphasises on the importance of a mediclaim policy. Another reason that is making healthcare increasingly expensive is the growing rate of lifestyle-driven health issues.

Sudden health emergencies are sure to leave a hole in your pocket, unless you prepare for it well in advance. A mediclaim policy offers a lump sum health cover, which is the sum insured, when you need it the most. Mediclaim policies in India are available for a specific tenure as offered by insurance companies. These policies can be renewed to avail continued benefits.

In simple terms, mediclaim policy comes to your rescue in case you are hospitalized due to an accident or any ailment. It covers you for nursing, lodging and treatment costs up to the coverage amount you choose while buying the policy. Most mediclaim policies also cover the treatment sought before and after hospitalization related to the reason/ailment you were hospitalized for. This time frame depends on the insurers and typically ranges between 30 days before and 60-120 days after hospitalization.

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Sum Insured, Features And Benefits

  • Choose a sum insured which takes care of the growing inflation in the medical sector and at the same time is economical and within your budget. An ideal plan must have features like coverage for a vast number of illnesses, procedures, etc. It should be free of room rent limits, co-payments and sub-limits. The plan should also have life-time renewals because it is the old age when health insurance is needed the most.
  • Also take into consideration the waiting period for the coverage of any pre-existing illnesses, the lower the waiting period, the better it is. You must also read the exclusions carefully so that you do not get a rude shock in the time of need.

Incurred Claim Ratio

  • Incurred Claim ratio refers to the percentage of total claims made that were approved by an insurance company. This ratio is determined on the basis of factors like age of the business portfolio, business mix, etc. As this data and figures are not directly divulged to customers, it becomes difficult for buyers of mediclaim policies to understand how this ratio is finalized. Industry experts report that the incurred claim ratio for group mediclaim policies is higher than individual policies. An incurred claim ratio of at least 85% is considered to be an indicator of an effective mediclaim policy.
  • The incurred claim ratio is the total claims settled by an insurance company as compared to the premium that it had collected in a particular year. Check for the latest ‘Handbook of Indian Insurance Statistics’ to become aware of the current incurred claim ration of insurers, so that you can take a well-informed decision.

Network Hospital

  • Ensure that the mediclaim enlists a few hospitals that you usually visit, are accessible to you, have the standard medical facilities, etc. For instance, if you would prefer cashless payments over reimbursements, ensure that the mediclaim that you select includes some network hospitalization that will offer you this facility in the event of hospitalization.

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Factors Which Determine Mediclaim Policy Eligibility

The three important factors which determine mediclaim policy eligibility are:

  • Age: Your age is the most important factor which determines your mediclaim policy eligibility. The standard entry age preference is 91 days to 65 years, but many insurers accept different age groups depending on the policy offered. Also, since you are more likely to undergo medical treatment due to aging, it is advisable to buy a policy at the earliest possible.
  • Medical Check-ups: At a young age, not all insurers request for a medical report to be submitted. For 45 years and above, insurers make it mandatory to take a medical check-up.
  • Premium: The premium depends on the age, sum insured chosen, type of mediclaim policy, no. of members included in the plan and lifestyle habits of a person. If you smoke cigarettes or consume alcohol, the premium is likely to be higher.

Who Should Buy Mediclaim Policy?

The sky-rocketing hospitalization and related healthcare costs might burn a hole in your pockets. It proves to be even more challenging when the expenses arise from unforeseen circumstances like hospitalization due to accidents and critical illnesses. Mediclaim policies serve as financial security, enabling individuals to be prepared for all eventualities.

Considering the extensive range of benefits that you reap on these policies as compared to the reasonable premium payments, mediclaim policies are a smart investment option. Along with the financial cushion that it guarantees, the peace of mind that it offers makes it totally worth it. Well, the answer is simple. Anyone who cannot possibly afford those sky rocketing hospitalization and related healthcare costs should definitely invest in a good mediclaim insurance. Considering the premiums you pay each year, the benefits you reap are much valuable. Along with a financial cushion to reckon, the peace of mind it offers makes it totally worth.

Documents Required to Buy a Mediclaim Policy

  • KYC - Proof of ID and Address
  • Age Proof
  • Medical Check-up/Report if required
  • Passport-sized photograph

Features of Mediclaim Policy

The key features of a mediclaim policy are:

  • Suitable for any person between the age of ninety one days to sixty five years
  • Offers the power to either opt for self or for the entire circle of relatives (spouse, children, parents)
  • Covers pre-existing medical conditions after a waiting period of 2- four years
  • Get higher cover at low-priced premium rates
  • Offers the benefit of a high sum insured of as much as Rs. 50 lakhs or even more
  • Can be ported to another distinctive insurer at the time of renewal
  • Gives you and your family a complete health cover, proving to be an effective protection option
  • Includes cashless hospitalization to ensure that you don't have any out-of-pocket medical expenses
  • Easy online buying method from the comfort of your home
  • Enables you to avail tax deductions on premiums paid underneath Section 80D of the Income Tax Act, 1961
  • Can be renewed annually. Some insurers provide longer duration policies with renewals due each 2 or 3 years

What Does A Mediclaim Policy Cover?

Benefits covered by a mediclaim may vary depending on the insurance company. These are the common benefits covered by mediclaim policies:

  • Hospital expenses: Expenses incurred due to hospitalization like medicines, oxygen, blood, OT charges, medical tests and diagnosis, chemotherapy, radiotherapy, organ transplantation, etc.
  • Hospital accommodation expenses: Expenditures towards ICUs are either addressed through cashless hospitalisation feature or are reimbursed by the company.
  • Day-care hospitalization: Expenditures towards tech-driven medical treatments that do not involve 24-hour hospitalization.
  • Charges for medical experts: The fees for medical professionals involved during hospitalization like doctor, nurse, etc. are also provided by mediclaim policies.
  • Hospital lodging expenses: Expenditures towards ICUs are both addressed via cashless hospitalisation feature or are reimbursed via the insurer
  • Pre and post-hospitalization expenses: Expenses incurred for up to 30-60 days before and till 60-120 days after hospitalization. It may also include medical assistance for emergency services like ambulance, etc.

Best Mediclaim Plans in India

Types of mediclaim policies can be broadly classified under two categories:

Note: The coverage offered, applicable age limits, sum insured and premium vary across policies and insurers. The information mentioned below is of a basic plan common across insurers.

Best Mediclaim Plans Coverage Age Sum Insured Premium
Individual Mediclaim Plan Individual, can range from Rs. 1 lakh to 50 lakhs
  • The usual age at entry age is 18 years to 80 years
  • For children it can start from 5 years
  • Rs. 1 lakh to 50 lakhs or more
  • Premiums paid for mediclaim policies differ from one insurer to another. Factors which determine premiums are Age, sum insured, policy benefits, etc
  • Family Floater Mediclaim Plan Family Floater Basis, can range from Rs. 2 lakhs to Rs. 1 crore
  • The usual age at entry age is 18 years to 80 years

  • For children, 3 months to 25 years for dependent children. Some policies also provide cover from 0 days for new born kids
  • Minimum = Rs. 2 lakhs

  • Maximum = Rs. 1 crore or more
  • Premiums differ from one insurer to another. Factors which determine premium are age, sum insured, members covered, etc.
  • Senior Citizen Mediclaim Plan Senior citizens, Some plans offer the option to cover both lives (you and your spouse) up to 90 years of age or lifetime 60 years to 80 years
  • Rs. 1 lakhs to Rs. 25 lakhs
  • Premiums paid for mediclaim policies differ from one insurer to another. Factors which determine premium are age, sum insured, policy benefits, etc.
  • How Are the Premiums Determined?

    Insurance companies consider a lot of factors while determining the premiums for the mediclaim policy. Age, sum insured, geographical location, any pre-existing medical condition, number of members to be insured, the extent of coverage, etc. are some of them. While the guidelines are set by IRDAI, health insurance companies take the final decision regarding premium calculation on the basis of your needs and requirements. The more comprehensive your requirements are, the higher will be the premiums to be shelled out.

    How is mediclaim premium calculated?

    Insurance companies have their own unique list of parameters that they consider while calculating premium. Here are some parameters that are generally considered by all insurance companies.

    • Age of the insured member
    • Sum Insured opted
    • Health history
    • Marketing expenses
    • Risk rating
    • Rate of morbidity
    • Medical underwriting
    • What is ‘premium’ in insurance?

    Premium is the amount that the policyholder pays towards the insurance policy to become eligible for its benefits, as per the policy document.

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    How Does Mediclaim Policy Work?

    • You can avail the cashless benefits of a mediclaim policy only in the network of hospitals that is mentioned in your policy document. Undertake a thorough check of the network hospitals in your policy document and go through the websites of the insurance company and its network of hospitals, before making a final choice. This greatly reduces the scope for claim rejections later.

    • You may not be eligible to utilise the cashless benefits of your policy in any hospital other than those enlisted in your policy document. Therefore, before you make a claim against your mediclaim policy, ensure the expenses have been incurred in a hospital or chain of hospital that is a part of the network of your insurance company. You will mostly be able to avail the reimbursement facility at a recognized hospital of your insurer.

    • Getting admitted in a hospital that is not a part of the network of hospitals of your insurance company or an unrecognized hospital may reduce your chances of being eligible for claiming your settlement on hospital and other related expenses, but does not completely disqualify you from it. You may not be able to able avail cashless facilities, but you might be eligible for reimbursements from your insurance company. However, you have to be consistent with the premium payments on your mediclaim policy, keep the policy active and strictly follow the terms and conditions to avoid claim rejections.

    • After you have initiated a claim settlement on hospitalization, your insurer has to approve your request for cashless hospitalization. This process is referred to as authorization. It can take up to 24-72 hours for your insurance company to verify and approve your claim. Pre-planned hospitalization due to medical conditions and health concerns like surgeries will require pre-authorization before you get hospitalized. For emergency hospitalizations, prior authorization is not needed and would not get your claim rejected.

    Which Are The Best Mediclaim Policies in India?

    Below are some of the best mediclaim policies in India:

    Apollo Munich Optima Restore

    • Religare Care NCB Super Premium

    Star Family Health Optima Plan

    Max Bupa Companion Policy

    ManipalCigna ProHealth Plus Insurance Plan

    HDFC ERGO - my: Health Suraksha

    • Royal Sundaram Lifeline Supreme

    Aditya Birla Active Assure Diamond Plan

    Star Health – Senior Citizen Red Carpet Policy

    What Should You Consider While Buying Mediclaim Policy?

    Investing in mediclaim is a great decision. Consider all the factors involved and accordingly choose the right policy. Below are some of the aspects you need to keep an eye on before purchasing the policy:

    • Sum insured (coverage amount): While choosing the sum insured or the coverage amount, it’s advised to consider factors like rising healthcare costs, rate of inflation, etc. to choose the right amount. Also, if you are living in one of the metro cities, your cost of hospitalization will be higher compared to rural areas. Similarly, if you are opting for the coverage of your dependants too, you might want to consider higher sum insured.
    • Individual or Family Floater: This decision entirely depends on you. If you are unmarried and looking to cover only yourself then you can opt for the individual policy. However, if you choose to cover your entire family including your parents then selecting a family floater insurance plan is the ideal choice. Family floater plans are also a bit easier on pocket compared to individual policies bought for each family member due to the discounts offered by the insurance companies.
    • Sub-limit on Room Rent: Most mediclaim plans are tailor-made with room rent sub-limit. These limits might vary depending on the insurance companies. To make it simpler, let’s explain with an illustration. Mr. Kulkarni bought a plan that had room rent sub-limit as 1% of the sum insured. He had chosen the coverage for Rs. 2 Lakh. That means, every time Mr. Kulkarni wants to claim hospitalization on his mediclaim, the insurance company will compensate his expenses limited to the room rent of 1% of his sum insured i.e. Rs. 2,000 per day. The entire calculation of his claim disbursement will be carried out as per his room rent limit even if he opts for a room higher than the limit of Rs. 2,000. Hence, it’s wise to choose the policy with proper room rent limit to avoid any rude shocks during claim settlement.
    • Co-payment: Many mediclaim policies are in-built with co-payment clause. Co-payment is basically a percentage amount that the policy holder needs to bear when the claim is raised before the insurance company settles the rest. These co-payments can range anywhere between 10% and 30% depending on the insurance company. For example: If you have opted for a mediclaim with 20% co-payment, whenever you raise a claim, you’ll have to bear the first 20% of the total claim amount and the rest will be compensated by the insurance company as per the terms and conditions of the policy. Some insurance companies also offer to cover the risks related to pre-existing diseases with higher co-payments.
    • Exclusions: Every mediclaim policy is designed to cover your medical risks. However, there are certain exclusions that are either not covered or covered after a specific term. Conditions arising out of a suicide attempt, HIV infection, congenital diseases, addiction to alcohol or drugs, etc. are not covered by any policy whereas expenses related to maternity, hysterectomy, gall bladder surgeries, kidney stones removal, etc. are covered after a specific waiting period. Most insurance companies cover the risks related to any pre-existing diseases only after 3-4 years. Details of these exclusions are mentioned in the policy wordings of the plan and one should definitely go through the same before finalizing to buy.
    • Hospital Network: One of the biggest benefits of opting for a mediclaim policy is the convenience of cashless settlement of hospitalization expenses. Every insurance company has a network of hospitals and when you seek hospitalization in any of these hospitals, you are entitled for a cashless treatment if the hospitalization/treatment is within the scope of coverage. This works out to be a great financial relief at most crucial times. Hence, check out and be aware of the hospitals in your area that is in tie-up with the insurance company you wish to buy the plan from.
    • Reputation of the Insurance Company: Last but not the least, it’s always wise to check the credibility and market standing of the insurance company you wish to buy the mediclaim from. Apart from this, a little study of their claim settlement ratio will also prove to be useful while making the final decision.

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    How to Claim on the Mediclaim Policy?

    The claim process of a mediclaim policy has become increasingly more streamlined and quick, owing to the integration of advanced technology. The settlement process follows either of these two methods – cash reimbursement or cashless claims.

    Cash Reimbursement

    If you opt for the reimbursement option during claim settlement, this is the process that is usually followed:

    • Inform your insurance company in the event of hospitalization in one of their network hospitals, as mentioned in their policy document.
    • Insurance companies need to follow specific terms and conditions while reimbursement of hospital claims and would not approve of your request for claim settlement until the medical situation is aligned to these terms and conditions.
    • Closely monitor and keep a tab on the hospital and other related medical expenses incurred, on which you are eligible for claiming reimbursements. Mediclaims usually cover for basic hospital facilities in terms of room rent, bed, etc. You will not be eligible for higher claims if you avail luxury and personal comfort facilities. Insurance companies minutely scrutinize the facilities availed against the medical bills submitted by you, before reimbursing your claims. Expenses incurred for personal comfort are usually not considered during the claim settlement process.
    • You have to initiate a separate claim settlement process in case a new health concern arises. For instance, if you had initiated a claim settlement for the expenses incurred for medical tests for a heart disease and then you injure a hand, you have to sought another approval for this.
    • Take care to ensure that you fill up the claim form with accurate details, without suppression or misrepresentation of facts. Present the relevant medical reports and bills to support your claims, without which your claim will not be approved. Once your insurer has scrutinised the form and all the proofs of expenses are submitted by you, the claim will be reimbursed, if approved. This process usually takes around 15 to 25 business days.
    • There may be instances when insurance companies refuse to honour claims without a sound explanation. Ask for the reason and a detailed clarification for your claim getting disapproved, so that you are convinced of it. Otherwise, you can escalate the issue at a consumer form or even proceed with legal action.

    Cashless claims

    To initiate this process, you have to fill up the Preauthorization Request Form and submit it to your insurance company through the network hospital.

    • Cashless planned hospitalization If your hospitalization is pre-planned, it is necessary for you to submit the completed Preauthorization Request Form at least 72 hours before your hospitalization. This enables the insurer to ensure a seamless and hassle-free claim settlement.
    • Cashless emergency hospitalization In case of an emergency hospitalization arising due to an accident or critical illness, you are usually expected to present your mediclaim ID at the network hospital to enable admission to the hospital. Post that, you need to submit the completed Preauthorization Request Form within 4 hours to initiate the claim settlement process. This implies that it is mandatory for you to keep your mediclaim ID handy with you always.

    Documents Required to Make a Claim

    Make a Claim Death Claim Medical Natural Death Accidental Unnatural Death
    Claim Form/Pre-authorization Request Form Original policy documents Attending physician's statement (Form 'C') Copy of the First Information Report (FIR) or Panchanama/Police complaint
    Attending physician's statement Original/attested copy of death certificate issued by local municipal authority Medical records (admission notes, discharge/death summary, test reports, etc.) Copy of Post Mortem report (PMR)/Autopsy and Viscera report
    Attested copies of all medical records Death claim application form (Form A) Copy of the Final Police Investigation report (FPIR)/Charge sheet
    NEFT mandate form NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook
    Nominee's photo identity proof such as copy of Passport, PAN card, Voter identity card, Aadhar (UID) card, etc.

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    Frequently Asked Questions

    • Q. How to choose a Best Mediclaim Policy?
      • You need to keep the following parameters in mind while selecting a suitable mediclaim policy:

        • Premiums – The payments made towards Mediclaim policies differ between insurance companies, based on various parameters like age of the applicant, location, policy tenure, sum insured on maturity of the policy tenure, etc.
        • Age – Suitable for individuals right from the age of 91 days to 65 years, though the terms and conditions regarding age vary between insurance companies.
        • Cover for family – The unique option of one master premium enables you to ensure mediclaim for your entire family. Not just that, such a facility often makes you eligible for additional benefits and discounts on premium, based on the insurance company and policy you have opted for.
        • Overseas mediclaim policies – Some mediclaim policies also cover you for emergencies that might occur when you are abroad, based on certain terms and conditions.
        • Claims – While some insurance companies channel their claims through Third Party Administrators (TPAs), some others process claims in-house.
        • Types – There are a wide range of mediclaim policies offered, which we will discuss later in the article.
        • Tax benefits – Mediclaim insurance premium are eligible for tax deduction under Section 80D of the Income Tax Act, 1961, Premiums up to Rs.25,000 on mediclaim premiums for self, spouse and dependent children. An additional tax exemption of up to Rs.25,000 is applicable on insuring parents and extends to up to Rs.50,000 for parents who are senior citizens.
    • Q. What are the things to look for while choosing a health insurance plan?
      • While choosing a health insurance policy there are a few things which you should be ready with are:

        • Maximum value an insurer will compensate you for complete total loss or theft of your bike
        • Sum insured or coverage amount – Ensure that you consider future expenses too.
        • Room rent – Check for the capping amount or criteria defined if applicable.
        • Sub-limits or co-pay applicable – Check for the sub-limits applicable for some specific list of ailments or package treatments. Also check if the plan has co-pay feature.
        • Network hospital list – Check for the list of network hospitals and try buying a policy which covers your regular hospital
        • Policy wording – Most important thing to check before buying a policy is the policy wording. In case you are not sure about certain term or condition you can always contact the insurer for clarification.
    • Q. Which mediclaim policy covers pregnancy in India?
      • Some mediclaim policies that cover pregnancy in India are:

        • Star Wedding Gift
        • Max Bupa Heartbeat Plan
        • Oriental Insurance Universal Health Insurance Scheme
        • Apollo Munich Easy Health Individual Insurance Plan
    • Q. Can I cancel my mediclaim policy and if yes will I get my premium back?
      • Yes you can cancel a policy after you buy it. A free look period of 15 days is provided to you after buying a policy to understand the terms and conditions. In case there is any objectionable clause, you can cancel the policy and get a refund. Stamp duty, expenses on medical check-up and proportionate risk premium (the number of days that the insurance company was at a risk of bearing your health expenses) would be calculated while the premium amount is refunded. Refer the policy termination or policy cancellation section in your policy wording to know the amount that would be refunded.

    • Q. What is mediclaim policy for employees?
      • Group mediclaim policies are specifically designed for employers, who can opt for it for their employees on the payment of pre-determined premiums. This policy enables employers to cover their employees on specific hospitalization and other related expenses, as defined in the policy document of the insurance company. Employees can also avail tax benefits under such policies.

    • Q. What are the types of cashless mediclaim?
      • The following are the two types of cashless claims in mediclaim:

        • Cashless claims – Fill up the Preauthorization Request Form with accurate information and submit it to your insurance company to initiate the claim settlement process.
        • Cashless planned hospitalization – In the case of pre-planned hospitalization, you need to submit the completed Preauthorization Request Form at least 72 hours before your hospitalization. This enables the insurer to ensure a streamlined and seamless claim settlement.
        • Cashless emergency hospitalization – For emergency hospitalization as a result of accident or critical illness, you are expected to present your mediclaim ID at the network hospital during admission. Further, the completed Preauthorization Request Form can be submitted within 4 hours of hospitalization to initiate the claim settlement process. Hence, it is essential for you to carry your mediclaim ID with you at all times.
    • Q. How Can Coverfox Help You Choose the Right Mediclaim Policy?
      • Here’s how Coverfox simplifies the process of selecting a suitable mediclaim policy.

        • Our online platform offers a comparative analysis of various mediclaim policies, offered by different insurance companies, which are aligned with your requirements. This ensures a convenient and hassle-free application process.
        • We offer expert and unbiased advice for assisting you with the right decision, as per your needs.
        • Coverfox is equipped with a dedicated customer service unit to assist you with all your pre and post-sales queries, including expert claims handling.
        • The process involves minimal paperwork to ensure quick and seamless buying experience.
        • Convenient & Hassle-free application process clubbed with online platform for comparison and choosing the right plan.
        • Expert & Unbiased Advice for assisting you with the right decision as per your requirements.
        • Dedicated Customer Service Unit to tackle all your post-sales queries including expert claims handling.
        • Minimal Paperwork to ensure hassle free and pleasurable buying experience.
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