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Medical health insurance protects you against general health concerns. When it comes to your wellbeing, medical cover forms an essential part of the measures you can take to give you that reassurance. It goes a long way in ensuring that you receive the care you need, when you need it.
 
When you invest in medical health coverage, the wellbeing of you and your family is taken care of. Your medical insurance will not only mean that you receive the best treatment available but also gives you peace of mind that you have done all you can to smooth the path through any unforeseen illness or accident.
 
In addition to that another benefit that accrues to you is that it also covers the expense of your preventive health tests.
 
Some general features offered by medical policies are:

  • Reimbursement for hospitalization due to disease/surgery.
  • Reimbursement for domiciliary hospitalization expenses in lieu of hospitalization.
  • Pre Hospitalization expenses up to 30 days.
  • Post Hospitalization expenses up to 60 days.
  • Age Limit: 5 years to 80 years. Children between the ages of 3 months to 5 years can be covered provided one or both parents are covered concurrently.

One point to note is that your mediclaim health insurance may exclude some health concerns if they fall under the category of pre-existing diseases. Also, depending on the plan, some other specific ailments too may not be covered. As per some medical insurance policies 24 hours’ hospitalization may be compulsory for a claim to be settled. You need to, therefore, read the fine print carefully, so that you understand what benefits you can claim for and what you can’t.

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