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Mediclaim Policy This policy covers reimbursement of hospitalization expenses which are reasonably and necessarily incurred, under the following heads:
- Room, boarding expenses as provided by the hospital/nursing home.
- Nursing expenses
- Fees of surgeon, anaesthetist, medical practitioner, consultant and specialist.
- Expenses on account of anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic material, X–ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs and cost of organs and similar expenses.
This is a family floater health insurance policy wherein the entire family is covered under a single Sum Insured. The policy covers reimbursement of hospitalization expenses for illness or diseases contracted; or injuries sustained by the insured person. In the event of any claim becoming admissible under the policy, the company will either pay directly to the insured person or pay to the hospital through the TPA.
Vidyarthi policy
This Mediclaim policy is designed to provide health and personal accident cover to the students. It also provides for the continuation of education of the insured students in case of death or permanent total disablement of the guardian due to accident.
Varishtha Mediclaim
This policy caters to the needs of senior citizens. It covers hospitalization and domiciliary hospitalization expenses along with expenses for treatment of Critical Illnesses. Diseases covered under Critical Illnesses are as under:
- Coronary Artery Surgery
- Cancer
- Renal Failure i.e. Failure for both kidneys
- Stroke
- Multiple Sclerosis
- Major Organ Transplants like kidney, Lung, Pancreas or Bone marrow
- Paralysis and blindness at extra premium
This policy covers medical expenses whilst traveling abroad for business or holiday. The policy will be valid only if the insured person's journey commences within 14 days of the first day of insurance as indicated in the policy schedule.
Specialized medical policies for banks
- Uco Medi+ Care Bima is a health cum accident policy designed for the account holders of Uco Bank. The entire family consisting of the a/c holder, spouse, 2 dependent children and two dependant parents can be covered under this policy.
- BOI National Swasthya Bima policy is designed for the account holders of Bank of India. The entire family consisting of the account holder, spouse and two dependent children up to the age of 21 years can be covered under this policy. This policy covers hospitalization expenses for the account holder and family. In case of hospitalization, the entire family is covered for the Floater Sum insured as opted for, i.e., either one or all members of the family can utilize the Sum Insured during the policy period.
- Star National Swasthya Bima policy is designed for the account holders of Bank of India. The entire family consisting of the account holder, spouse and two dependent children up to the age of 21 years can be covered under this policy. This policy covers Hospitalization expenses for account holder and family. In case of hospitalization, the entire family is covered for the Floater Sum Insured as opted for, i.e., either one or all members of the family, as stated above, can utilize the Sum Insured during the policy period.
- Baroda health policy is a health cum accident policy designed especially for the account holders of Bank of Baroda. The entire family consisting of the a/c holder, spouse and 2 dependent children can be covered under this policy. In case of hospitalization, the entire family is covered for the Floater Sum Insured as opted for, i.e., either one or all members of the family can utilize the Sum Insured during the policy period.
