Advancements in medical technology have helped reduce the mortality rate of humans while increasing the recovery rate from any infections or diseases. Although this has seen a sharp rise in expenses of medical procedures by the day. It is hence crucial and essential to enrol for a health insurance or mediclaim policy for yourself, in case you do not have any existing health insurance policy to your name.
Having said that, it is also important for you to know what are the benefits of health insurance and mediclaim policy coverage, the list of diseases covered under mediclaim policy, and what is not included under your mediclaim policy. Here we will detail out the important aspects of mediclaim policy coverage and the diseases covered under mediclaim policy in general and inform you on what they cover and what they exclude.
Premiums paid for self, spouse, dependent children and parents under mediclaim are absolved from taxation as under section 80 D of the Income Tax Act of 1961.
All costs related to pre hospitalization and post hospitalization expenses like the treatment, diagnosis, specialists' charges, medication expenses, and so on are included in mediclaim insurance plans.
Mediclaim insurance plans can get you access to free check ups on a yearly basis. It incorporates tests for ECG, kidney function, blood glucose, urine test, and blood groups.
Diseases covered under mediclaim likewise covers day care treatment, i.e., you don't need to be admitted in the emergency clinic for 24 hours. Chemotherapy, cataract, dialysis, and so forth are incorporated in this section.
You may likewise take the benefit of domiciliary hospitalization for diseases covered under mediclaim policy, if you are not in the condition to travel to the clinic. You will be reimbursed for treatments exceeding 3 days under mediclaim.
In the case of any health-related crisis, you can get the benefit of cashless hospitalization under diseases covered under mediclaim policy. You can avail the treatment without having to pay in cash. Costs incorporated under mediclaim coverage including room charges, nursing costs, ICU, specialist's expense, blood, oxygen, and OT charges can be paid through cashless mediclaim.
Organ donor cover, ICU charges, NCB, elective medicines, complimentary ambulance service, and secondary opinions are additionally covered under mediclaim cover.
This is a bonus that you can get for not asserting your right to mediclaim cover during any year of your tenure with the company.
Plastic surgery, cosmetic corrections, and implants are additionally not covered under mediclaim.
Expenses brought about for congenital illnesses additionally don't get covered under medical. These illnesses or handicaps happen because of birth deformity.
Tests and treatment identifying with infertility and in vitro fertilisation.
Treatment emerging from or related to pregnancy, child labor, unnatural birth cycle, abortion, etc.
Medical costs brought about for the treatment of sexually transmitted diseases such as Chlamydia, HPV, HIV, Syphilis, Herpes and other such sexually transmitted illnesses are diseases not covered under mediclaim policy.
Any determination of infections/diseases/event of an occasion, where manifestations initially happen within the initial 30 days from the start date of the mediclaim insurance policy constitute the diseases not covered under mediclaim policy.
Expenses emerging from or relating to alcohol or medication misuse or abuse.
Expenses owing to self-caused injuries such as but not limited to suicides, attempted suicide, suicidal tendencies, and bungee jumping.
Hospitalization costs induced due to mob strikes, riots, war, and nuclear warfare are excluded in your mediclaim insurance.
We hope that these details will help you to make a better and more informed decision while buying health insurance plans or a mediclaim insurance policy. Max Bupa offers the best health insurance plans in India offering fast and easy claims to all its customers. Make sure you are choosing the right health insurance plan by opting for Max Bupa Health Insurance.
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