Mediclaim Policy

Mediclaim policy is a kind of health insurance policy that covers your medical expenses in case of any health emergency up to the sum insured. The Insurer pays for the treatment cost be it an accident or illness that led to hospitalization including in-patient cover, day-care treatment etc.

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Get ₹5 Lac Mediclaim Insurance starting @ ₹200/month*
Tax Benefit up to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Your mediclaim or health insurance policy will also cover the COVID 19(Ncov) treatment cost up to the sum insured. However, most of the mediclaim policies do not cover the cost of consumable items that are required for Coronavirus treatment such as PPE kits, masks, gloves, oximeters, ventilators, etc. As per the IRDAI recommendations, all the health and general insurers have launched COVID mediclaim insurance policy.

    Most of the COVID-19 plans cover pre and post-hospitalization expenses provided the hospitalization is required for a minimum of 24 hours. A few mediclaim policies for COVID such as Corona Rakshak and Corona Kavach also pay for Ayush treatment, home treatment if suggested by an authorized medical practitioner. For more details policy wordings can be referred.

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    In case you have group mediclaim policy from your employer, you can check for the scope of coverage for COVID 19 and get it customized as per your requirements.  Or if you plan to buy a standalone COVID 19 mediclaim policy you will have to serve the waiting period.  Go through the policy coverage benefits and limitations if it suits your insurance needs. While most of the mediclaim policies cover Coronavirus hospitalization expenses except for the consumable medical items, which can only be covered by a standalone coronavirus policy.

    Mediclaim policy premium paid can also be claimed for tax-exemption benefits under section 80D of the Income Tax Act of India, 1961.

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    Features and Benefits of a Mediclaim Policy

    Before buying a mediclaim policy it is important to know its features and benefits. Moreover, amid the increasing number of lifestyle diseases, hospitalization expenses, and healthcare expenses it is inevitable to buy a mediclaim policy that can offer financial support during hospitalization. It offers a cushion in case of a medical emergency. At the same time, it offers numerous other insurance benefits such as:

    • Cost-Effective: A mediclaim policy is a cost-effective way of availing healthcare services
    • Cashless Treatment: Cashless hospitalization facility is available in-network hospitals, which eliminates out-of-pocket expenses in case of a medical emergency.
    • Eases Financial Stress: A mediclaim policy lowers the financial burden on the policyholder and his family.
    • Individual and Family Floater Cover: Both individual and family floater mediclaim policies are available.
    • Pre and Post-hospitalization Expenses: Mediclaim policies also cover pre and post hospitalization expenses for 30-60 days and 60-120 days after hospitalization. It can also include emergency assistance services for ambulance and emergency evacuation.
    • Day-care Hospitalization: Expenses towards treatments that do not require 24-hour hospitalization.
    • Lifelong Renewability Cover: A mediclaim policy can also offer lifelong renewability cover option depending on the insure.
    • Additional Benefits: Expenditures towards ICUs, alternative treatments, annual check-ups are recompensed as well.
    • Tax Exemption Benefits: Tax benefits under section 80 D can be availed on the mediclaim policy premium that is paid every year.

    List of Best Mediclaim Policies in India

    Although there are many mediclaim policies offered by different insurance companies.

    Below are some of the best mediclaim policies in India that you can consider:

    Mediclaim Policy Sum Insured (Rs.) Network Hospitals Renewability
    Aditya Birla Mediclaim Policy 10-30 lakhs 8200 Lifelong
    Bajaj Allianz Mediclaim Policy 1.5-50 lakhs 6500+ Lifelong
    Bharti AXA Mediclaim Policy 3,4,5 lakhs  4300+ Lifelong
    Care Health Insurance Mediclaim Policy (Formerly known as Religare Health Insurance Mediclaim Policy  Rs. 3 Lakh to Rs. 60 Lakh 4987 Lifelong
    Cholamandalam Mediclaim Policy  2- 15 lakhs  6500+ Lifelong
    Digit Mediclaim Policy   2- 25 lakhs  5900+ Lifelong
    Edelweiss Mediclaim Policy 5  lakh- 1 Crore  2578+ Lifelong
    Future Generali Mediclaim Policy   Vital: 3, 5,10 lakhsSuperior: 15, 20, 25 lakhsPremier: 50 lakhs- 1 Crore  5000+ Lifelong
    IFFCO Tokio Individual Medisheild Mediclaim Policy 50,000- 5lakhs  5000+ Lifelong
    Kotak Mahindra Mediclaim Policy 2-100 lakhs  4800+ -
    Liberty Mediclaim Policy  up to 1 Crore  3000+ Lifelong
    Max Bupa Mediclaim Policy 3 lakhs-1 Cr. 4115+ Lifelong
    ManipalCigna Mediclaim Policy  2.5-50 lakhs 4000+ -
    NationalMediclaimPlus Policy    2-50 lacs.  6000+ Lifelong
    New IndiaAssuranceMediclaim Policy  1-15 lakhs  3000+ Lifelong
    Oriental Individual Mediclaim Plan  1-10 lakhs  4300+ Lifelong
    Royal Sundaram Mediclaim
    2-150 lakhs 5000+ Lifelong
    Reliance HealthWise
     1-5 lakhs  4000+ Up to 75 years
    Raheja QuBE Mediclaim Policy 1-50 lakhs 2000+ Lifelong
    Star Health Mediclaim Policy 1-25 lakhs 10200+ Lifelong
    SBI Mediclaim Policy 1-3 lakhs 6000+ Lifelong
    Tata AIG Mediclaim Policy  2-10 lakhs  4000+ Lifelong
    United India Mediclaim Policy   1-10 lakhs  7000+ -
    Universal Sompo Mediclaim Policy  Up to 5 lakhs 5000+ Lifelong
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    Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.  

    Types of Mediclaim Policies

    There are different types of mediclaim policies that are available. You can choose a mediclaim policy as per your needs and enjoy your peace of mind. Let’s have a look at the various types of mediclaim plans:

    Individual Mediclaim Policy

    An individual mediclaim policy offers health coverage to only the policyholder. Only one person can avail the medical insurance benefits against the premium paid. There are a number of health insurance companies that provide individual mediclaim plans in India.

    Family Floater Mediclaim Policy

    A family floater mediclaim policy provides coverage to an individual, which is extendible to other family members including parents, spouse, and children.

    Senior Citizen Mediclaim Policy

    Senior citizen health insurance plans are designed to cover hospitalization expenses incurred on the elderly people who have crossed the age of 60 years.

    Critical Illness Mediclaim

    Hospitalization expenses incurred on critical illnesses are quite exorbitant. Critical illness insurance policy covers life-threatening illnesses like kidney failure, cancer, cardiovascular diseases etc.

    Comparison between Mediclaim Policy and Health Insurance

    Mediclaim Policy Health Insurance
    It reimburses your actual medical expenses It gives you a lump-sum amount on diagnosis of any of the pre-specified critical disease, irrespective of your medical expenditure
    It has much wider scope than critical illness because it covers hospitalization and treatment towards accident It covers only certain diseases like heart attack, kidney failure, paralysis, etc.
    The policy is taken to defray the hospitalization expenses incurred at the time of hospitalization It not only pays expenses of critical illness but also compensate for financial loss that may arise due to critical illness

    Read in Detail: mediclaim insurance vs health insurance

    *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

    Mediclaim Policy Claim Procedure

    There are two types of claims available under Mediclaim policy-

    Cashless Procedure:

    • Cashless is a mechanism wherein a patient is treated in a network hospital, then insurer settles either the part of the claim or the entire claim with the hospital. It means, a patient doesn’t need to pay a penny to the hospital for the treatment. There are certain procedures which you need to follow to ensure the smooth claim process.
    • At the first level, all empanelled hospitals will have an insurance desk in their premises. A policyholder has to obtain a pre-authorization form from this desk, which has to be dully filled with correct information because any missed detail will only delay the entire process. This filled form needs to be stamped by the hospital and the doctor and then it has to fax across Third Party Administrator (TPA) or the insurer. After carefully examining the form, the company will approve a certain sum and send a fax back to the hospital saying that ‘X’ amount has been sanctioned for the treatment.
    • Let us understand this procedure with an example. If the hospital has given a treatment cost of Rs 4 lakh, the insurer and TPA will rework and for instance, approve Rs 3 lakh for treatment. Now, they will inform the hospital that they will reimburse expenses up to Rs 3 lakh only under cashless and if the total cost would be more than this limit, they will look at it later. However, at the time of discharge, the total billing amount comes at Rs 3.60 lakh. In this case, the policyholder has two options. The first option is, he will send all discharge letters and final bill copy to the insurer and wait for the revert. No doubt, it will take time. The other option is, policyholder himself pays the remaining amount, which is Rs 40,000 in this case, and then he submits those original bill receipts to the policy provider to get reimbursement of Rs 40,000.

    Get More Info On Cashless Mediclaim Policy


    In the case of reimbursement, it is pivotal to inform your insurance company that a hospitalization has been taken place or likely to take place in a near future. Either you could that by sending an email or by making a call. To get reimbursement, you need to submit all payment receipts, including bills of those medicines which you have bought from outside chemist. You need to make sure that original discharge card, final bills and payment receipts should be in one place, so that they can be submitted to the insurance company to get reimbursement.

    Mediclaim Policy Coverage

    The coverage varies from one policy to another, but usually, the following expenses are covered:

    • Hospitalization charges
      It covers all the all direct charges incurred during hospitalization such as OT charges, diagnostic procedures, blood, oxygen, medicines, chemotherapy, x-ray, radiotherapy, donor expenses, pacemakers etc.
    • Day-care Charges
      Expenses incurred on specified technically -advanced treatments like cataract surgery etc. that do not require hospitalization for more than 24 hours.
    • Pre and post-hospitalization expenses
      Expenses incurred on hospitalization for a period of 30 days before admission and up to 60 days after discharge including ambulance cover are reimbursed.
    • Hospital Room Charges
      Charges of regular wards or Intensive-Care-Unit are fully recompensed, or taken care of with cashless hospitalization in the network hospitals.
    • Fees Charged by Medical Professionals
      Compensation is provided for fees charged by the doctor, surgeon, nurse, anesthetist etc.

    What is Not Covered in a Mediclaim Policy?

    Every mediclaim policy has some limitations. Mentioned below are the circumstances that can deny you claim-

    • A mediclaim policy will not cover pre-existing ailments.
    • Any medical condition or critical illnesses that are diagnosed within 30 days of the policy commencement date are not covered. You can read the policy documents to know the details of the plan.
    • Specific ailments that are not covered in the plan
    • Expenses incurred on dental surgeries unless it requires hospitalization
    • Birth control and hormonal treatment
    • Complication during childbirth and ectopic pregnancies

    Factors to Consider while Finalising a Mediclaim Policy

    If you haven’t bought a mediclaim policy and are planning to apply for the one, then it is highly recommended to check below points to make sure that you buy best policy. These factors can also be used to compare different insurance plan options available in the market.

    • Individual and Family Floater:

      In individual plan, each individual is insured for a specific amount, whereas, in family floater, the whole family is insured for a fixed sum assured. In case of family floater, when the primary person dies or reaches a specific age, the policy is closed even other members who are still younger can’t renew the policy. In Individual plan, the individual is insured on separate parameters. The attainment of specific age will not impact insurance coverage of other family members.

    • Sum Insured (the Coverage Amount):

      While choosing the coverage amount or the sum assured, it is recommended to take various factors such as rate of inflation, surging healthcare cost, etc. into consideration. Moreover, if you’re living in any metropolitan city, the costs of hospitalisation will be way higher than in rural areas. Likewise, if you opt for the sum insured of your loved ones also, you might want to take higher sum insured into consideration.

    • Co-payment Option:

      Various mediclaim plans come with co-payment clause. The co-payment is usually a percentage sum that the insured has to bear while raising a claim before the insurance provider settles the rest. Such co-payments can range from 10% to 30% based on the insurance provider.

    • Exclusions:

      Every mediclaim plan is tailor-made so as to cover medical risks of the policyholder. Nevertheless, there are a few exclusions, which are either covered after a certain term or not covered at all. Conditions taking place due to reasons such as HIV infection, drug or alcohol addiction, suicide attempt, congenital diseases, etc. are not covered under the mediclaim policy. However, expenses related to hysterectomy, removal of kidney stones, gall bladder surgeries, and maternity, etc. are covered after a certain waiting period.

    • Network Hospitals:

      One of the most important benefits of choosing mediclaim policy is the ease of the cashless settlement of the expenses incurred during hospitalisation. Every insurance provider has network hospitals and while seeking hospitalisation in any of such hospitals, you can avail cashless treatment if the treatment/hospitalisation is within the coverage scope. This aids in getting financial relief at the most crucial and critical times. Therefore, you must check out the network hospitals near your area, which have tie-ups with the insurance provider you want to purchase the policy from.

    • Renewability Age:

      Although, policy offers coverage for one year only, but in reality, it is a relationship between you and the insurance company. So, your health Insurance policy should cover as you age because it is tough to get insurance at that age. If your policy doesn’t provide you coverage at that point of time then buying such a policy will not give peace of mind.

    • Pre-Existing Disease:

      This is relevant only if you have a pre-existing disease at the time of taking insurance plan. It also covers those diseases which might arise from a pre-existing disease. For example, if you have diabetes at the time of taking the plan and later develop heart problem, then even the heart problem will be considered as a pre-existing disease. Almost all insurance companies have a clause that states that a pre-existing disease will be covered only if the plan has been renewed for a certain number of years. A best mediclaim insurance plan covers pre-existing diseases as soon as possible.

    *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

    Are you looking for a Mediclaim Policy? Let Us Help You!

    In today’s fast paced life where everything can be done online from ordering dinner to attending college, is it any wonder that many people choose to buy mediclaim insurance online? Bridging the gap between insurers and insured, PolicyBazaar is a one stop platform to find top mediclaim policies. Your quest to find a good plan will come to an end at PolicyBazaar where after giving basic details, like name, annual income, occupation, etc; you will get free Mediclaim premium quotes of various policies, which can be compared at a click of the mouse. While you compare mediclaim insurance plans, always pay attention towards overall limits, depth of coverage and empanelled hospitals. Moreover, after selecting a policy, you can use our Mediclaim premium calculator to compute your premium and thus, you can plan your financial goals effectively. Make a proper comparison and instantly buy a best mediclaim policy at affordable rates.


    • Q: What does a best mediclaim policy cover?

      Ans: It covers hospitalization expenses including OT charges, medicines, oxygen, blood or any other test that is required for the treatment. It also covers day-care treatment expenses, diagnostic tests, and technologically advanced treatment. The pre and post hospitalization expenses are covered for a period of 30 days before getting admitted and 60 days of getting discharged.
    • Q: Will Mediclaim Policy Cover Coronavirus Infections?

      Ans: As per the IRDAI regulations, medical insurance providers are mandated to cover coronavirus related quarantine as well as hospitalization expenses. Some insurer providers are offering specific coronavirus health insurance policy, and rest are offering in the basic mediclaim plans only. However, do check with your insurer if it covers COVID-19 after it is declared as a pandemic.
    • Q: How do claim the benefits of my mediclaim policy?

      Ans: There are two ways to claim the benefits of your mediclaim policy- reimbursement claim and cashless claim. To get reimbursement you need to inform the insurer or the TPA regarding the hospitalization. Along with the hospitalization expenses you also need to keep all the medical bills to claim your medical reimbursements. For cashless claim settlement, you need to fill all the details in the claim form and submit the same to the insurer. And the insurer will settle your hospital bills directly with the hospital (up to the sum insured limit).
    • Q: What is not covered under a mediclaim policy?

      Ans: The exclusions vary from one mediclaim policy to another and from one insurance provider to another. Most of the mediclaim policies do not cover expenses incurred on pre-existing diseases before completion of the waiting period, suicidal attempts, cosmetic surgeries, any act of criminal intent. You can check the policy wordings for the detailed list of exclusions.
    • Q: How to select the right mediclaim policy?

      Ans: You can easily select the right mediclaim policy to choose as there are a plethora of health insurance plans available online. You can easily compare and buy mediclaim policies from top health insurance companies on our website. There are plans that ensure the best coverage at an affordable premium. You can select the right type of medical plan for yourself and your family.
    • Q: What is the age criterion to buy a mediclaim policy?

      Ans: The age a criterion usually varies from one insurer to another. It is usually between the age group of 18 and 65 years and even covers new-born babies starting from 91 days. Some plans offer lifetime renewable facilities.
    • Q: What do I need to do after I get hospitalized?

      Ans: The first thing you need to do is immediately inform the TPA regarding the hospitalization, along with the details of your policy, hospital, and the treatment you need to undergo.  You need to fill the claim form that includes details like your policy number, the name of the hospital and the treatment undertaken. After that, you need to submit all the documents to the TPA department at the hospital. The claim is then taken forward once all the documents are submitted to the insurer.
    • Q: Does mediclaim cover accidents?

      Ans: Accidents are covered under personal accident insurance plans. You can buy an add-on for personal accident cover along with your basic mediclaim policy.
    • Q: What is a cashless mediclaim policy?

      Ans: In a cashless mediclaim policy, the health insurance company settles the hospitalization expenses directly with the hospital. You do not need to pay anything up to the sum insured amount (unless there are deductibles).
    • Q: Which mediclaim policy covers LASIK surgery?

      Ans: LASIK surgery is usually not covered under most of the mediclaim policies. However, if you meet certain criteria you can get the claim benefits. Please check with your insurance provider regarding LASIK surgery cover before making the purchase or on the policy wordings.
    • Q: Which mediclaim policy covers dental treatment?

      Ans: Dental treatments are not covered under basic health plans unless it is an accidental emergency. However, some insurers cover dental treatment as an add-on benefit. You need to pay an extra premium to get dental treatment cover (if any).
    • Q: What is a group mediclaim policy?

      Ans: A group mediclaim policy is usually offered by companies to their employees and can be extended to their family members including spouse, children, and parents in some cases. The premium is paid by the employer on behalf of the employees and can customize on payment of extra premium to suit the interest of the insured members. The coverage is limited; therefore, it is important to have a separate health insurance policy as well.
    • Q: What is overseas mediclaim policy?

      Ans: As the name suggests, an international or overseas mediclaim policy is a type of medical insurance that covers emergency hospitalization expenses when traveling overseas or abroad.
    • Q: What is a floater mediclaim policy?

      Ans: As the name suggests, a floater mediclaim policy offers covered to you and your family members under a common sum insured and single premium amount.
    • Q: How to port a mediclaim policy?

      Ans: It is easy to port your mediclaim policy. You can inform your health insurance provider 45 to 60 days ahead of the expiry of your current health plan. You would need to fill portability from, provide details of your previous health insurer and then apply for portability.
    • Q: When can you file a claim after buying policy?

      Ans: Most of the insurers do not accept claims for illnesses arising during the initial 30 of policy purchase. However, it covers accidental hospitalization expenses during the first 30 days of policy commencement.
    • Q: How is Mediclaim Different from Health Insurance?

      Ans: The main difference between a mediclaim policy and a health insurance policy are as follows: 1. A mediclaimcovers only hospitalization expenses. Whereas a health insurance policy covers pre-post hospitalization expenses, accidental cases, hospitalization expenses, ambulance charges, doctor fees, etc. 2. A mediclaim policy doesn’t offer add-on benefits that health insurance policy offers- critical illnesses cover, maternity cover, personal accident cover, etc.
    • Q: How Many Types of Mediclaim Policies available in India

      Ans: There are many types of mediclaim policies available in India and the details are given below: 1. Family Floater Policy- This policy offer to you and your family members under a single sum assured. 2. Individual Mediclaim- It basically compensates the insured individual from unforeseen hospitalization expenses. 3. Group Medicliam- This type of policy offers coverage to a group of individuals under a single plan. Most employers buy this group or employer mediclaim policy for its employees.
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
    Average Rating
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    Mediclaim Insurance Reviews & Ratings
    4.6 / 5 (Based on 254 Reviews)
    (Showing Newest 15 reviews)
    Hisar, May 20, 2021
    Best Policy
    I was looking to buy a mediclaim policy for my parents and visited Policybazaar at my friends suggestion. The website had a large variety of mediclaim plans and I could easily find. I selected a best policy that fitted into my budget and purchased it online. I received the policy document also on the same day. Totally satisfied.
    East Godavari, February 18, 2021
    Health check-ups
    The health check-ups facilities are available to me at the time of buying of medi-claim insurance policy. I quite happy that insurance company is providing such great features at low premium rates.
    R.k.nagar, February 18, 2021
    Happy customer
    I am one of the happiest customer of policybazaar. I was planning to go for a medi-claim insurance policy. And my friend suggested me to get it from policybazaar. It is really simple and best.
    Padra, February 18, 2021
    Save a lot more money
    I have saved a lot of money when I opted for medi-claim insurance plan from the policybazaar. I got the discount too when I bought a health insurance policy. Thanks a lot team for suggesting me such great medi-claim insurance plan.
    Ichalkaranji, February 18, 2021
    Lowest premium
    The premium rate of medi-claim health insurance which I bought last year is quite well and into my budget. I searched for various good medi-claim insurance plans from the website of the policybazaar.
    Sabang, December 29, 2020
    Save a lot of time and money
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    Features and coverage
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    I have made the payment of the health insurance in a very easy way. It was done on online basis. Everything was transparent in nature. Thanks to Policybazaar.
    Nabadwip, December 29, 2020
    Hospitalization expenses of Corona
    The health insurance plan which I have taken from the policybazaar has covered me from the hospitalization expenses related to corona virus. And it has made my life much simpler.
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    Choose sum insured
    One can easily choose the sum insured according to his needs. I bought the health insurance policy from the policybazaar and took a high coverage sum insured health insurance policy. It is nice and thanks team policybazaar.
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    Through the help of the policybazaar, I have got the one of the best economical plans related to health insurance. They are quite good and best in class. I am happy and satisfied to choose the health insurance plans. Thanks team.
    Yashwant Nagar, December 29, 2020
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    In my health insurance policy which I bought from the policybazaar has the assistance of day care treatment. It helped me various times and has given me such facilities under one plan. I am quite happy with the services. Thank you policybazaar.
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