Discuss MEDICLAIM within the Marketing in banking and insurance forums, part of the Upload / Download Banking and Insurance Projects and Notes category; Mediclaim forms a part of miscellaneous insurance category. It can be used by the age group between 5 & 75 ...
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MEDICLAIM - September 1st, 2010
Recognition as an industry
Socio Economic changes
Extension to related business
Between age of 5 and 80 years
Children between the age of 3 months and 5 years can be covered provided one or both parents are covered concurrently
TYPES OF HOSPITALISATION EXPENSES COVERED BY MEDICLAIM
TIME LIMIT FOR STAY WITHIN THE HOSPITAL
Minimum of 24 hours
However for dialysis, chemotherapy, eye surgery, etc - the stay can be for less than 24 hours
SUM INSURED IN MEDICLAIM INSURANCE
Special conditions for Domiciliary hospitalisation claims :
Medical treatment for more than 3 days.
Hospitalization treatment at home under following conditions
Patient condition serious
Lack of accommodation facilities in the hospital
30 days waiting period.
1st yr exclusion of specific diseases.
Dental treatment (unless hospitalisation)
Others like : Maternity, Cost of Specs and Hearing Aids, Naturopathy, Vitamin Prescriptions, etc.
DOES MEDICLAIM COVER ANY EXPENSES BESIDES HOSPITALISATION COSTS ?
Family discount – 10 %
Cumulative bonus – 5% for each claim (subject to a max of 50%) Incase of claim – 10% reduction
Cost of medical check-ups available (after 4 claim-free yrs – 1% of sum insured)
Premium upto Rs.10000/- qualifies for tax benefit under Section 80 D of Income Tax Act.
Domiciliary hospitalisation – limited to 15% of sum assured.
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