Oriental Insurance Company’s Happy Family Floater is a comprehensive medical cover for your family. It covers a maximum your family members under a single policy for a single sum insured. The plan is available in two variants – Silver Plan and Gold Plan.

This mediclaim covers hospitalization expenses including hospital room charges, boarding expenses, nursing expenses, surgeon/anesthetists/medical practitioner/consultant/specialist fees, anesthesia, blood, oxygen, operation theatre charges, ICU charges, surgical appliances, cost of medicines and drugs, diagnostic materials, x-ray, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs, organ donors expenses, ambulance charges, etc. It also covers domiciliary hospitalization expenses. A daily hospitalization cash allowance is provided under the Gold Plan. Pre-existing diseases are covered from the fourth consecutive policy renewal.

Additional personal accident cover is available on payment of Rs.60/- per Lakh of sum insured per person. For Gold Plan, the life time benefit of “Life hardship survival benefit is available on payment of Rs.35/-  to Rs.100/- per Lakh per person.

The entry age is between 21 years and 55 years. The policy can be renewed up to the proposer’s age of 65 years and there is no limit for family members. Family means proposer, spouse, dependent and children up to the age of 25 years. The cover is available or minimum of 2 members and maximum of 6 members. The sum insured ranges are Rs.1Lakh to Rs.10Lakh. The premium rates depends upon the family size under this policy. Pre-medical examination is a  necessary for individual above the age of 60 years.

The policy provides cashless hospitalization service in over more than 5000 network hospitals across India. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

 

ICICI Lombard’s Health Advantage Plus is a best mediclaim in the market. It covers insured for in patient hospitalization expenses as well as outpatient treatment expenses (OPD).

The policy covers individual aged between 5 years and 65 years. The proposer’s aged should be above 18 years. A maximum of two adults can be covered under a single policy. No health check up is required up to the age of 55 years. The policy can be renewed up to the age of 70 years.

Hospitalization Cover-

  • Covers insured for in-patient hospitalization expenses for more than 24 hours of hospitalization. It includes room rent, doctor/surgeon fees, cost of medicines and diagnostic tests, etc.
  • Maternity expenses can be covered under OPD expenses up to the OPD sum insured.
  • Pre and post hospitalization expenses are covered up to 30 days prior and 60 days after hospitalization.
  • Pre-existing diseases can be covered after two continuous policy years with the company.
  • Covers hospitalization expenses for Swine Flu/H1N1 Influenza
  • Day care procedures/surgeries

Outpatient Department (OPD) Cover-
It includes room rent, boarding expenses, nursing expenses, surgeon, anesthetist, medical practitioner, consultant, specialist fees, anesthesia, blood, oxygen, operation theatre charges, surgical consumables, cost of medicines and drugs, diagnostic materials, x-ray, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs, dental treatment, ambulance charges, etc.

The policy offers cashless hospitalization service at over more than 4500 network hospitals across India. The additional sum insured is provided for every claim free year. Premium paid for the policy is eligible for tax benefit under section 80D of the Income tax Act,1961.

 

Today, the medical cost are very much higher. For a small treatment or surgery, you can end up by paying thousands of rupees. In this situation, the mediclaim can help you to cover such a higher medical cost.

Mediclaim policy covers the insured person for hospitalization expenses including room rent, boarding expenses, nursing expenses, surgeon fee, specialist fee, anesthetist fee, operation theatre charges, ICU charges, cost of medicines and drugs, blood, oxygen, surgical appliances, diagnostic cost, x-ray, dialysis, chemotherapy, radiotherapy, artificial limbs, pacemaker, etc. Some of the policies also offered cover for pre and post hospitalization expenses and pre-existing diseases.

The benefits like cashless hospitalization service, no claim discount, tax benefits, etc, are also offered under the mediclaim policy.

The mediclaim policy can be taken on an individual basis and for family. The eligibility criteria can be different from company to company. Generally, it covers the people aged  group between 91 days and 80 years. In some case, the applicant may required to go under pre-medical examination test.

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