Parivar Mediclaim

Our Parivar Mediclaim policy provides protection to families against the financial burden of treatment in hospitals for illness/ disease/ accidental injury. It is a floater policy wherein the entire family consisting of self, spouse & two dependent children are covered under a single floater sum insured.

Key Benifits Our Parivar Mediclaim policy provides protection to families against the financial burden of treatment in hospitals for illness/ disease/ accidental injury. It is a floater policy wherein the entire family consisting of self, spouse & two dependent children are covered under a single floater sum insured. Salient Feautures The policy is available to persons between age of 18 and 60 years. Dependent children between the age of 3 months and 25 years can be covered. Sum insured range is between `2 Lakh and 5 lakh, in multiples of ` 50,000/-. Renewal is allowed upto the age of 65 years. Covered Our Parivar Mediclaim policy provides the following benefits :- Reimbursement of hospitalization expenses which are reasonably and necessarily incurred, under the following heads: Room, boarding, nursing expenses and RMO charges as provided by the hospital/nursing home – 1% of sum insured per day (normal) & 2% of sum insured per day (ICU) Expenses incurred for Surgeon, Anaesthetist, Medical Practitioner, Consultant, Specialist’s Fees, Nursing Expenses Expenses incurred on account of anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic material, X-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs & cost of organs and similar expenses. Diabetes and Hypertension can be covered from inception by paying extra premium Pre & post hospitalization expenses for 15 & 30 days respectively Cashless facility can be availed through TPA. NB – Total expenses payable for any one illness is restricted to 50% of the sum insured Not Covered The most important exclusion relates to pre-existing illness. Pre-existing diseases can be covered after four (4) years of continuous coverage under a health policy.All diseases/ injuries and related conditions which are pre-existing at the time of inception of the policy, will be covered after four (4) continuous claim free policy years. No claim other than accidental injuries, is payable within the first 30 days of the policy Exclusion of certain named diseases upto first 2 years of the policy. Congenital diseases, sterility, venereal disease, intentional self-injury, use of drugs, alcohol, rest cure etc. AIDS and other HIV related treatment Expenses incurred primarily for diagnostic, laboratory examinations not related to or consistent with the diagnosis for which insured is hospitalized. So also for vitamins and tonics unless forming a part of the main treatment. Dental treatment other than necessitated by accidental injury and requires hospitalization. Treatment arising from or traceable to pregnancy, childbirth (including caesarean). All treatment other than allopathic stream of medicine. War, invasion and nuclear perils. For any queries please mail us at nandainsurance9@gmail.com