Group Mediclaim
Individuals aged between 91 days to 80 years plus are covered under this policy;
The family shall comprise of the insured employee, his/her legally wedded spouse and
first 3-4 living dependent children and parents;
No Medical Examination for any age of the member of the group;
Addition of Members (Mid term inclusion of dependents)
Deletion of Members - Premium shall be refunded back in case any member ceases to be part of the Gr. Mediclaim Policy. Assignment of the policy shall not be allowed;
Deletion of Members - Premium shall be refunded back in case any member ceases to be part of the Gr. Mediclaim Policy. Assignment of the policy shall not be allowed;
There will be No Caps on the mediclaim policy for -
Fee paid to Medical Practitioner, Surgeon, Anaesthetics, Consultants and Specialist,
Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines
& drugs, Diagnostic Materials and X – Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of
Pacemaker, Artificial Limbs & Cost of Organs and similar expenses;
No Waiting Period – 30 days and 1st year waiting period be waived off;
Pre-Existing Disease - Covered from DAY 1;
Claims can be availed since inception of the Policy (i.e., from Day 1);
Pre & Post Hospitalization - 30 days and 60 days respectively from the date of
Hospitalization;
Domiciliary Hospitalization;
Cashless Mediclaim Card – Shall be issued to each and every member with or without
photo;
Cashless facility can be availed any where in India at the designated Hospitals /
Nursing Homes;
Maternity Benefit Cover – Can be covered from DAY1 or Covered after 9 months from the
date of first pregnancy.
Ambulance Charge – Maximum Rs.2,000/- / 5,000/- per illness;
Corporate Buffer