Individual Mediclaim Insurance


Any one in the age group of 5 to 80 years can take the policy. Children in the age below the age of 5 years can also be covered from the age of 3 months onwards provided one or both of the parents are covered concurrently. Higher limits are permitted if the policy is in renewal for the preceding three years. Suitable for persons of any nationality but treatment should be availed of within the country and the claim is paid in Indian currency

Salient Features

Provides cover, which takes care of medical expenses following hospitalization from sudden illness or accident. Cover extends to pre-hospitalisation and post-hospitalisation for periods of 30 days and 60 days respectively. Domiciliary hospitalisation is also covered


Reimbursement of medical expenses

Discount in insurance premium is allowed on family package, cumulative bonus and health check. In case of family package cover, a single member can avail of the entire policy limits.

The premium paid by a cheque upto a maximum of Rs.15,000 is totally exempt from income tax.

Domiciliary hospitalisation

The term means that a patient can be treated at home when he is not in a fit condition to be moved to the hospital or where there is no accommodation in the specialist hospital provided,

The treatment was for a period not less than 3 days.

The sub limits of sum insured towards domiciliary hospitalisation are furnished in the sum insured and premium schedules.


The facility is not available if any illness is contracted within 30 days from the commencement of risk except in case of an accident.

Any pre-existing diseases

Treatment for cataracts, benign prostatic Hypertrophy, Hydrocele, Congenital internal diseases, Fistula in anus, Piles, Sinusitis and related disorders for 1st year of policy.

All the expenses incurred in respect of any treatment relating to pregnancy or childbirth.

AIDS or conditions of similar kind.

Directly or indirectly connected with war or nuclear waste.


A completed proposal form, If the proposer is a 'Diabetic', a separate questionnaire completed by family physician.


In these days of super specialty facilities, medical services have become very expensive. One need not hesitate to avail of the best of the treatment and when one is covered under a Mediclaim policy.