Mediclaim policy is intended to provide coverage to unexpected medical expenses that may lead to financial hardships. With growing popularity of the health insurance policy, it becomes nearly impossible for us to pick out a suitable policy at the affordable prices. Like all other forms of insurance, medical health insurance also comes with different policies and premium rates. A government organization or private insurance companies may provide medical health insurance. However, here are some tips and tricks shared with you, so that you can have no problem while choosing the mediclaim policy for your needs.

First, we should discuss that most of the mediclaim policies come with a minimum duration of 1 year and a maximum duration of 2 years. It is framed by evaluating the overall healthcare expenses and the monthly premium to be paid. These details are included in the insurance agreement and accordingly the benefits are paid by the insurance company. You can buy the mediclaim policy collectively or individually. Collective policies may include family insurance, group insurance or short-term health insurance. Family mediclaim policies include the entire family that is stay-at- home parents; students etc. while the Group insurance are usually bought by employers to cover all their employees at discount rates and greater benefits. However, in both the cases, the amount of premium is nominal.

Short term insurance offers coverage for short span of time like college years or in between jobs etc. Such kind of mediclaim policy usually preferred by self employed, entrepreneurs etc. At a low rate, an individual can opt to cover his or her spouse as well. This is flexible with a wide range of rates and premiums. Opting for the right scheme or policy may save you from incurring heavy expenses that may crop up from an unforeseen accident or hospitalization of the loved one.

There are many mediclaim policies, which cover a certain set of accidents and ailments. Any pre existing ailment like diabetes, poor eyesight etc is not included in the insurance. In this case, the insurance provider covers the hospitalization bills after a brief check whether the rates applied are in line with the agreement made. However, any cost other than the rates applied by the insurance company is to be carried out by the patient himself. Surgical costs, outpatient bills are covered only if the amount fits the amount quoted in the insurance agreement.

Mostly, the mediclaim providers have a list of network hospitals, which provide a discount or other benefits to the client if the treatment is taken from any one of the hospitals enlisted. The interesting fact is that, nowadays many insurance providers offer provide cover to homeopathic treatments, however, in that case, you gave to get treatments from certain specified hospitals. Such mediclaim policies also offer coverage for death of the person covered and the benefit amount would be received by the nomine.

Choose a policy, which is easily customizable and offers you the reimbursement at the earliest.

Mediclaim is one of the best ways to relieve the stress of acquiring money during the situations of medical emergencies. It becomes easier now after the introduction of the cashless mediclaim policy. However, filing a claim after hospitalization requires several considerations and in this article, we are going to share all those process, which are essential to file a claim after hospitalization.

A Mediclaim can be filed in the following situations:

1. Emergency hospitalization

2. Planned hospitalization

Emergency Hospitalization

During the situation of emergency hospitalization, in case the insured person is admitted in any of the network hospitals of the insurance provider, the hospital will ask for the compensation to the insurance provider as per the rules set by the network hospital and the insurance provider. They will then contact the TPA and send a request for authorization. The insurance provider may or may not approve the claim, however, it is based on the terms and conditions of the contract signed by the hospital and the TPA. Generally, the time taken to process an emergency case is 6 hours. It is the responsibility of the customer to follow up with the TPA in order to be informed about the status of your request. In case you have bought your policy through a specialized health insurance advisor or agent or a broker, they will provide you the required assistance in coordinating the claim from the insurance provider.

Planned hospitalization:

In most cases, planned hospitalization is the result of the recommendation from a doctor that you would need to be hospitalized. In such cases, you will have the time to decide, where you will get admitted. The insurance provider will provide you a list of network hospitals available with the TPA, from which you can select the one of your choice. It is recommended that you complete the cashless service formalities at least 3-4 days before you are hospitalized. To file the claim, you gave to follow the given rules here.

· Firstly, you have to complete the pre authorization form, which is available from the insurance desk of the hospital, or you can download it from the website of your TPA.

· Being a patient you have to fill the form accordingly. A part of the form will need to be filled by the doctor, who recommended your hospitalization.

· The pre authorization form should be submitted at the insurance desk of the hospital. After the submission, the form will be verified by the representative at the insurance desk of the hospital and then fax it to the TPA.

· After verification, the TPA will process the form further but the insurance provider can either accept it or reject the request.

· You will have to follow up with the TPA to stay abreast of the status of your requests.

· If the insurance provider does not approve the amount send by the hospital, the individual has to pay the amount to make up the difference.

In the present scenario, the average cost of having a baby is $6,378 for a normal delivery, $10,638 for a cesarean section. Such a huge cost can definitely take out a huge amount from your wallet and therefore, the best way to ensure your pregnancy will be to purchase a comprehensive health insurance policy, which covers pregnancy and other related costs as well. Nowadays, a lot of mediclaim policies come with a comprehensive plan covering pregnancy as well. It will keep you happy by making sure you obtain insurance before you become pregnant and you need not to bear the huge sum of money at a time. Here are some ways, which will give you required idea about the mediclaim policy that covers pregnancy.

· In order to get insured at the time of pregnancy, you should try to have a mediclaim policy before you get pregnant. In case you do not have any kind of insurance policy, then it would be better to get insured through a group plan. It can relieve the tension of giving premium every month for different insurance coverage. The new health plan, which you have purchased as a group policy can offer you reimbursement at the right time of your pregnancy.

· To get insured at the time of pregnancy, you have to find out what kind of coverage is appropriate for covering you during the time of pregnancy. Select a health plan, which will be covering you for birth, adoption and pregnancy and also the doctors check up and hospitalization fees during pregnancy. Opt for a mediclaim policy, which covers maternity, prevention and well-baby care at affordable premium rates.

· Many a times, employers offer group insurance policies for the employees, which cover the pregnancy of their spouse. Most of the women also get insurance policy for maternity. You can also ask your employer if the health insurance they offer covers maternity.

· If you are pregnant, you must avoid switching jobs. If you begin a new job during a pregnancy, there are high chances of not getting the coverage, when required; rather you might have to wait up for a couple of months.

· There are a number of mediclaim policies, which are designed accordingly to suit the low-income requirements. You can also opt for these if you have not purchased any insurance policy before.

· For low rates insurance policy you can contact your state insurance department for more information. Most of the government insurance policy offers insurance coverage to cover your pregnancy. You can also ask for what other types of low-cost insurance plans they offer.

Mediclaim policies aimed for providing coverage, normally covers prenatal visits for blood work and ultrasounds and maternity care to pediatric visits and also the immunizations costs for your baby. According to such policies, the newborn would usually be covered for the first 30 days under the mother’s insurance policy. Such policies will consider the newborns as a dependent within 30 days of birth. Finally, do not waste time for getting insured or else you may have to pay a large amount.

National Insurance Company Limited

Apart from many other health insurance policies National Insurance Company Limited also has a health insurance policy exclusively for students called “Vidyarthi – medi-claim for students”.

TheSALIENT FEATURES of this policy are:

· It provides health and personal accident cover to students

· It also provides for continuation of the insured student’s education in case of death or permanent total disablement of the guardian due to an accident

· Students from the age of 3 years to 25 years can take this policy

· Expenses of hospitalization for minimum period of 24 hours are admissible

· The above time limit is not applicable to specific treatments such as day care treatment for stitching of wounds, close reduction and application of POP casts, dialysis, chemotherapy, radiotherapy, eye surgery, ENT surgery, laparoscopic surgery, angiographies, endoscopies, lithotripsy and tonsillectomy

· Pre-hospitalization expenses incurred up to 30 days prior to hospitalization are covered

· Post-hospitalization expenses incurred up to 60 days after hospitalization will be reimbursed

· Pre-existing will be covered after 3 continuous claim free years

SCOPE OF COVER UNDER VIDYARTHI:

SCOPE OF COVER FOR PERSONAL ACCIDENT TO STUDENT AND GUARDIAN OF STUDENT:

· If insured person sustains any bodily injury resulting from accident caused by external violent and visible means then the company will pay the sum insured

· If the injury as above within 12 calendar months is the cause of death then the company will give capital sum insured

· If the injury as above within 12 calendar months is the cause of total and irrecoverable loss of sight of both eyes or total and irrecoverable loss of use of two hands or two feet, or of one hand and one foot or of such loss of sight of one eye and such loss of use of one hand or one foot, the capital sum insured is payable

· If the injury as above within 12 calendar months is the cause of total and irrecoverable loss of sight of one eye or total and irrecoverable loss of use of a hand or foot, 50% of capital sum insured is payable

EXCLUSIONS UNDER HOSPITALIZATION:

National India Insurance is not liable to make any payment in respect of any expenses incurred in connection with:

· All diseases/injuries those are pre-existing when the cover incepts for the first time

· Any disease other than diabetes and hypertension that is contracted during the first 30 days from the commencement date of the policy except in case of hospitalization due to an accidental injury

· If the insured is aware of the existence of a congenital internal disease/defect before inception of the policy, it is treated as pre-existing

· Injury or disease caused due to war invasion

· Circumcision unless necessary for treatment of a disease

· Cost of spectacles, contact lenses and hearing aids

· Any dental treatment or surgery which is a corrective, cosmetic or aesthetic procedure, including wear and tear, unless arising from accidental injury and which requires hospitalization for treatment

· Convalescence general debility “run down” condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol

· All expenses arising out of any condition due to AIDS

· Charges incurred at a hospital/nursing home for diagnostic, X-ray or laboratory examinations not consistent with any ailment, sickness or injury

· Expenses on vitamins and tonics unless forming part of treatment for injury or disease

· Injury or disease caused by nuclear weapons or materials

· Treatment arising from pregnancy, childbirth, miscarriage, abortion or complications of caesarean section

· Any treatment other than allopathic system of medicine

EXCLUSIONS UNDER ACCIDENT:

· Death from intentional self injury, suicide or attempted suicide

· Death whilst under influence of intoxicating liquor or drugs

· Death whilst engaging in aviation or ballooning or traveling in an aircraft other than as a passenger

· Death caused by venereal disease or insanity

· Death arising from committing any breach of law with criminal intent

· Death due to war, invasion, civil war, rebellion, mutiny, seizure, captures, etc

· Death from ionizing radiations or contamination by radioactivity from any nuclear fuel or nuclear waste

· Death or disablement caused by prolonged conditions during childbirth or pregnancy

ADDITIONAL BENEFITSof taking a health insurance policy from National Insurance Company Limited are:

· It is a public sector company so it is perceived to be safer by quite a few people

· Sum insured under this policy shall be progressively increased by 5% in respect of each claim free year subject to a maximum of 10 claim free years of insurance

· The policyholder also has the option of taking a 5% discount in the premium instead of the cumulative bonus

· In case of claim taken by the person who has earned the cumulative bonus, the increased percentage will be reduced by 10% of sum insured at the next renewal. The basic sum insured will be maintained and will not be reduced

Max New York Life Insurance Company Limited

Another health insurance policy that Max New York Life Insurance Company Limited has come up with is the Lifeline Wellness Plan.

The SALIENT FEATURES of this plan are:

· There is a 5-year guarantee on the premium payable

· Coverage tenure of up to 20 years

· Coverage for 10 critical illnesses

· Cancer

· Coma

· Kidney Failure

· Multiple Sclerosis

· Heart Attack

· Paralysis/paraplegia

· Stroke

· Major organ transplant

· Coronary artery bypass surgery

· Heart valve surgery

· On the happening of any of the events given above and if it is confirmed by a registered medical practitioner, the life insured has survived for at least 28 days after the happening of the insured event and the claim documents have been submitted within 60 days from the date of the happening, the company will pay 100% of sum insured subject to a maximum of Rs.20 lacs

· Waiting period is 180 days from policy commencement

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 60 years

· Policy term options are 10/15/20 years

· Maximum age at maturity can be 75 years

UNIT BENEFIT:

The benefits are converted into units from 1 to 10 and one unit can be chosen at the time of opting for the policy.But oncethe unit is chosen and the policy is in effect, the unit option cannot be changed. The sum insured against those units are as under:

EXCLUSIONS:

No benefits under this policy are payable in case of any of the following:

· Any pre-existing condition

· Any insured event happening within the first 180 days of the effective date and within 90 days of the date of revival of the policy, except a critical illness which occurs from or is caused as a result of an injury

· Opportunistic diseases associated with AIDS or HIV infections

· Suicide or attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

· Failure to seek or follow medical advice

· Any congenital conditions

· Any pre-malignant tumors, polyps or carcinoma-in-situ of any organ

· Pregnancy or childbirth or complications arising therefrom

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

The BENEFITS of buying a health insurance plan from Max New York Life are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

Max New York Life Insurance Company Limited

Max New York Life Insurance Company Limited is a joint venture between Max India Limited, one of India’s leading multi-business corporations and New York Life International, a Fortune 100 company.

One of the health insurance plans that Max New York Life has come up for the entire family is the Lifeline Safety Net Plan.

The SALIENT FEATURES of this plan are:

· Covers to protect policyholder and her/his family in the unfortunate event of death, disease, accident and disability

· In case of death, the company will pay a sum equal to the sum insured subject to deduction of critical illness benefit, if paid any

· In the event of critical illness, the company will pay 50% of the sum insured

· If there is total permanent disability, the company pays an additional benefit of 50% of sum insured

· An additional benefit of 100% of sum insured is paid in the case of accidental death benefit

· Sum insured can be taken for amounts ranging from Rs.2 lacs to Rs.40 lacs

· There is a 5-year guarantee on the premium payable

· High coverage tenure of up to 30 years

· Coverage for 10 critical illnesses

· Cancer

· Coma

· Kidney Failure

· Multiple Sclerosis

· Heart Attack

· Paralysis/paraplegia

· Stroke

· Major organ transplant

· Coronary artery bypass surgery

· Heart valve surgery

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 60 years

· Policy term is 10/15/20/25/30 years

· Maximum cover ceasing age is 75 years

EXCLUSIONS:

No benefits will be payable if the insured event occurs due to one of the following reasons:

· Opportunistic diseases associated with AIDS or HIV infections

· A pre-existing condition

· Suicide or attempted suicide or intentional self inflicted injury within 12 months after the issuance or reinstatement of the policy. No total and permanent disability benefit will be payable if it occurs as a result of attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

Some otherBENEFITS of buying a health insurance plan from Max New York Life apart from the ones given above are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

Max New York Life Insurance Company Limited

Max New York Life Insurance Company Limited is a joint venture between Max India Limited, one of India’s leading multi-business corporations and New York Life International, a Fortune 100 company. One of the health insurance plans that Max New York Life has come up with is the Lifeline Medi-cash Plus plan, which has some additional features to the Lifeline Medi-cash Plan.

The SALIENT FEATURES of this plan are:

· There is a 5-year guarantee on the premium payable

· Guaranteed long term coverage for 10 years subject to premium paid by the policyholder

· Medi cash covers a policyholder for 50 days in any policy year and 250 days through the term of the policy. So a policyholder can claim for cover any number of times within these limits

· A 20% discount is offered from the 6^th year onwards if the first 5 years have been claim free

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 55 years

· Policy term is 10 years

· Maximum age at maturity can be 65 years

UNIT BENEFIT:

Max New York Life gives units against the premium paid towards the health insurance policy. These units are a representation of a collective set of benefits that the policyholder proposes for the policy. The benefits against those units are as under:

Annual Limit: 50 days of hospitalization

Policy Term Limit: 250 days of hospitalization

EXCLUSIONS:

No benefits under this policy are payable if there is an admission into a hospital in respect of the following:

· For treatment of a pre-existing condition within 90 days from the effective date of the policy

· For treatment of surgery purely for the purpose of routine examination, preventive medical check up, vaccinations, diagnosis, screening and investigations

· For treatment for any psychiatric, mental or nervous condition

· For dental treatment, supply or fitting of eyeglasses or hearing aids, LASIK, Phakik Intra Ocular Lens implants or any other procedures carried out for purpose of correcting refractive errors

· For pregnancy and childbirth, pregnancy complications such as toxaemia, abortion, contraceptive measures and fertility tests

· For treatment of infertility or of a sexually transmitted disease

· Cosmetic or plastic surgery except where such surgery is medically necessary for treatment of an injury

· For sex change operation

· For an organ transplant procedure, where the life insured himself/herself acts as a donor

· Purely for convalescent care, rest care, rehabilitation

· Where treatment or surgical procedure is not undertaken or carried out by a registered medical practitioner

· Outside India

No benefits will be payable if the insured event occurs due to one of the following reasons:

· Opportunistic diseases associated with AIDS or HIV infections

· Suicide or attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

The BENEFITS of buying a health insurance plan from Max New York Life are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

· Fixed daily hospitalization benefit available irrespective of amount of actual billing

· Benefits are payable along with any other health insurance policy that the policyholder may have with Max New York Life or any other insurance company

Max New York Life Insurance Company Limited

Max New York Life Insurance Company Limited is a joint venture between Max India Limited, one of India’s leading multi-business corporations and New York Life International, a Fortune 100 company. One of the health insurance plans that Max New York Life has come up with is the Lifeline Medi-cash plan.

The SALIENT FEATURES of this plan are:

· There is a 5-year guarantee on the premium payable

· Guaranteed long term coverage for 10 years subject to premium paid by the policyholder

· Medi cash covers a policyholder for 50 days in any policy year and 250 days through the term of the policy. So a policyholder can claim for cover any number of times within these limits

· A 20% discount is offered from the 6^th year onwards if the first 5 years have been claim free

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 55 years

· Policy term is 10 years

· Maximum age at maturity can be 65 years

UNIT BENEFIT:

Max New York Life gives units against the premium paid towards the health insurance policy. These units are a representation of a collective set of benefits that the policyholder proposes for the policy. The benefits against those units are as under:

EXCLUSIONS:

No benefits under this policy are payable if there is an admission into a hospital in respect of the following:

· For treatment of a pre-existing condition within 90 days from the effective date of the policy

· For treatment of surgery purely for the purpose of routine examination, preventive medical check up, vaccinations, diagnosis, screening and investigations

· For treatment for any psychiatric, mental or nervous condition

· For dental treatment, supply or fitting of eyeglasses or hearing aids, LASIK, Phakik Intra Ocular Lens implants or any other procedures carried out for purpose of correcting refractive errors

· For pregnancy and childbirth, pregnancy complications such as toxaemia, abortion, contraceptive measures and fertility tests

· For treatment of infertility or of a sexually transmitted disease

· Cosmetic or plastic surgery except where such surgery is medically necessary for treatment of an injury

· For sex change operation

· For an organ transplant procedure, where the life insured himself/herself acts as a donor

· Purely for convalescent care, rest care, rehabilitation

· Where treatment or surgical procedure is not undertaken or carried out by a registered medical practitioner

· Outside India

No benefits will be payable if the insured event occurs due to one of the following reasons:

· Opportunistic diseases associated with AIDS or HIV infections

· Suicide or attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

The BENEFITS of buying a health insurance plan from Max New York Life are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

· Fixed daily hospitalization benefit available irrespective of amount of actual billing

· Benefits are payable along with any other health insurance policy that the policyholder may have with Max New York Life or any other insurance company

Max New York Life Insurance Company Limited

A health insurance policy with certain additional features to the Lifeline Wellness Plan is the Lifeline Wellness Plus Plan that has been introduced by Max New York Life Insurance Company Limited. The SALIENT FEATURES of this plan are:

· There is a 5-year guarantee on the premium payable

· Coverage tenure of up to 20 years

· On the happening of any of the events given above and if it is confirmed by a registered medical practitioner, the life insured has survived for at least 28 days after the happening of the insured event and the claim documents have been submitted within 60 days from the date of the happening

· A claim if paid for any critical illness will not be paid again

· This policy is not offered to sub standard lives

· Waiting period is 180 days from policy commencement

ELIGIBILITY CRITERIA:

· Minimum entry age is 18 years

· Maximum entry age is 60 years

· Policy term options are 10/15/20 years

· Maximum age at maturity can be 75 years

UNIT BENEFIT:

The benefits are converted into units from 1 to 10 and one unit can be chosen at the time of opting for the policy.But oncethe unit is chosen and the policy is in effect, the unit option cannot be changed. The sum insured against those units are as under:

LIST OF COVERED CRITICAL ILLNESS CONDITIONS:

The list of covered critical illness conditions is divided into 3 groups based on the severity of the disease and the benefits payable under each group. Once a claim is put across for a particular critical illness, the cover will continue for the balance sum insured. The list is given below:

EXCLUSIONS:

No benefits under this policy are payable in case of any of the following:

· Any pre-existing condition

· Any insured event happening within the first 180 days of the effective date and within 90 days of the date of revival of the policy, except a critical illness which occurs from or is caused as a result of an injury

· Opportunistic diseases associated with AIDS or HIV infections

· Suicide or attempted suicide or intentional self inflicted injury

· Influence of drugs or alcohol

· War invasion, civil war, riots or any warlike operations

· Participation in criminal or unlawful act

· Service in the military/para-military, naval, air forces or police organizations of any country in a state of war

· Participation in any flying activity other than as a bonafide passenger in a licensed aircraft

· Engaging in or taking part in professional sport or any hazardous pursuits

· Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

· Failure to seek or follow medical advice

· Any congenital conditions

· Any pre-malignant tumors, polyps or carcinoma-in-situ of any organ

· Pregnancy or childbirth or complications arising therefrom

The policies of Max New York Life Insurance can be purchased online through www.maxnewyorklife.com or they can be called on their toll free number 1800-180-5577

The BENEFITS of buying a health insurance plan from Max New York Life are:

· Cashless hospitalization

· Tie up with over 4000 hospitals across the country

Icici Lombard General Insurance

The ICICI Lombard Individual Personal Accident Insurance covers an individual against accidental death and permanent total disability.

This also includes coverage against terrorism and acts of terrorism.

The FEATURES of this plan are as under:

· It covers against accidental death and permanent total disability that occurs due to an accident

· Customized coverage can be chosen from Rs.3 lacs, Rs.5 lacs, Rs.10 lacs and Rs.20 lacs of sum insured

· The claim will be settled if it is claimed within 12 months of the loss

DETAILS OF PERCENTAGES REIMBURSED:

The EXCLUSIONS to this policy are:

· The company is not liable for compensation/claim under more than one category specified in the policy and for claims arising from any sickness/illness

· Death/injury/disablement due to:

· Intentional self injury, suicide or attempted suicide

· Influence of intoxicating drugs

· Caused by insanity or venereal disease

· War, invasion, act of foreign enemy, civil war, rebellion, revolution, insurrection, etc

· Nuclear weapon induced treatment

· Childbirth or pregnancy

ELIGIBILITY:

· The minimum entry age is 18 years

· The maximum entry age is 70 years

PREMIUMS:

A service tax of 10.3% will be levied on all the premium amounts.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying an insurance policy from ICICI Lombard are many, some of them being:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· World wide coverage of this policy

· No health check up for policy issuance

· Expenses for hospitalization also covered for terrorist activities