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What is Mediclaim Insurance Policy?

Catastrophe can hit you anytime in a form of a disease or a major accident. In case of any such mis fortune you have to visit the doctor and medical bills are very demanding these days. Hospital Bills cannot be avoided but you can make Insurance companies pay on your behalf. This will lower your financial burden while you and your family have to solely focus on the patient's health.

A mediclaim Insurance policy is designed to take care of your hospital bills. It grants coverage for hospitalization, accident-related treatment and pre-decided diseases for a pre-specified limit and is different from Health Insurance Policy. A Health Insurance policy is a comprehensive plan and not just covers your hospital bills but ambulance charges, pre and post hospitalization charges apart from compensating for loss of income.

Thus, Mediclaim services only covers the hospitalization while the rest of the expenses are to be borne by the insured himself.

What are the characteristics of a Mediclaim Policy?

1. The Sum Assured of Medical Insurance Plan do not exceed rupees 5 Lakh rupees.
2. Hospitalization is a must to avail benefits from the mediclaim policy.
3. Features as well as term and conditions of product may vary from policy to policy.
4. Mediclaim Policy offers Cashless Hospitalization facility.
5. Available in two variants - Individual and Family Floater Plans.
6. Investors can avail Tax benefits under section 80D.
7. Lowers financial burden and offers peace of mind.
8. Mediclaim pays your actual medical expenses and has a much wider scope then Health Insurance which pays only for specific diseases.

What does Mediclaim Insurance Covers?

Mediclaim Insurance covers the following, however the coverage as well as the features differs from product to product:-

1. Hospitalization charges
2. Day Care Charges
3. Pre and Post hospitalization Charges
4. Hospital Room Charges
5. Doctor Fees

The Swaraj Finpro Private Limited Advantage!

Swaraj Finpro Private Limited bridges the gap between the insurer and the insured and is a one stop shop for all your Mediclaim Insurance policy needs. We first ascertain your needs and propose a plan that covers all your insurance needs. We also assist our clients for any medical tests which if necessary are proposed by the investor.

Swaraj Finpro Private Limited association with the client does not come to an end after the sale of the policy. Our motto is customer first and we ensure that the customer receive the claim as soon as possible without much hassles or paper work.

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