Health And AccidentalComplete Health Insurance
Table of ContentsMediclaim Policy
Need More Info? Get on a call with us.
Mediclaim Policy provides cover for healthcare expenses incurred by insured in a hospital due to a medical emergency, be it due to illness or an accident that leads to hospitalisation.
This policy provides coverage to the individuals and their covered family members against expenses that include hospital room/ICU charges, diagnostic charges, medicine and other medical expenses.
- The policy offers the ease of cashless hospitalisation.
- You can opt for self or the entire family
- It shields you from the financial burden
- Removes expenses paid from your pocket
- Insurance companies will handle the expenses arising out of hospitalisation
- Ease of buying through online health insurance companies
- It offers tax exemptions
- Avail, cost-effective healthcare services
- In-Patient Hospitalisation
- Room Rent/ICU
- Medicines and Drugs
- Medical Practitioner's (Surgeon, Anesthetist, Consultant etc.) fees
- Blood, oxygen, anaesthesia, diagnostic and pathological tests, operation theatre charges, cost of chemotherapy, dialysis, pacemaker, artificial limbs etc.
- Registration, Service Charges, Surcharges
- Pre-Hospitalization Medical Exp
- Post Hospitalization Medical Exp
- Day Care Procedures
- Domiciliary Treatment
- Organ Donor
- Accidental Dental Treatment
- Ayush Benefit
- Daily Allowance
- Emergency Ambulance
- Any pre-existing disease, for four years of continuous coverage from the inception of Insured's first Medical Policy
- An initial 30-day waiting period for newly incurred conditions (not accidents)
- One year and two year exclusion periods for certain specified diseases, as listed in the policy
- Cost of spectacles, contact lens or hearing aids
- Convalescence, general debility, congenital diseases/defects, sterility
- Claims arising out of participation in dangerous sports/activities
- Claims arising from or related to HIV/AIDS
- War, terrorism and nuclear risks
- All non-medical expenses, including personal comfort and convenience item services
- Treatment of obesity, hormone replacement therapy, sex change and any weight control program
- Genetic disorders, stem cell implantation and surgery
- Expenses on naturopathy, experimental or alternative medicine, acupressure, acupuncture, magnetic and similar therapies
- Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self-injury or attempted suicide while sane or insane.
- The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol, including smoking cessation programs and the treatment of nicotine addiction or any other substance abuse treatment or services, or supplies
- Pregnancy (including voluntary termination), miscarriage (except as a result of an Accident or Illness), maternity or birth (including caesarean section) except in the case of ectopic pregnancy
- Sterility, treatment whether to effect or to treat infertility; any fertility, sub-fertility or assisted conception procedure; surrogate or vicarious pregnancy; birth control, contraceptive supplies or services including complications arising due to supplying services
- Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment certified by the attending Medical Practitioner for reconstruction following an accident, cancer or burns
In case of any medical requirement, there are two methods to use your insurance card:
For Cashless Treatment
- Use Health card.
- Planned - Take approval in advance
- Emergency -- Take approval within 24 hours
For Reimbursement Treatment
Please note following documents are required for reimbursement Claim.
- Duly filled Claim form.
- Final Hospital bill with detail breakup and payment proof.
- Medicals claimed- Medical bills, Prescriptions, Discharge summary (Original)
- For all miscellaneous charges-detail bills with supporting prescription of the Treating doctor.
Why Choose PrishaPolicy
5 Reasons why you should choose us to be your policy issuing partner of choice. Allow us to tell you why we are one of the fastest growing insurance brokers.
For us, you always come first. Our products and services are designed to find the best coverage for all.
A Decade of Market Leadership
Our teams expertise and experience makes them the perfect guides in choosing a policy that fits your needs.
Reliable and Consistent
Rest assured that everything will be taken care of without a glitch. From shortlisting to claims processing & delivering promises without a hitch.
Guided Policy Assistance
Our experts are forever ready to assist you through each policy detail with a fine-tooth comb.
Our DNA prompts - Sales is incomplete without timely support. From start to end, we facilitate smooth processing from lodging to settlement.
Still Thinking About It?
Get on a call with us. We take pride in being associated with you for competitively managing your risks with the best insurance covers and delivering a stress-free experience.