What is the group medi claim policy and what are the major benefits?

Medi claim Insurance is a cover which takes care of medical expenses following Hospitalization/Domiciliary Hospitalization of the Insured in respect of the following situations: (A) In case of a sudden illness (B) In case of an accident (C) In case of any surgery which is required in respect of any disease which has arisen during the policy period.

A Group Medi claim policy is a policy in which the insured gets a Group discount; hence the premium per person is lower and this is the major benefit for taking the group medi claim policy.

Who can avail Group Mediclaim Policy?

Group medi claim policy is available to any homogeneous group/association/ institution/corporate body provided it has a central administration and subject to minimum of 100 persons to be covered.

What is the benefit of group mediclaim policy?

Group discount on premium is allowed depending upon the total number of insured persons.

Covered Risks:

This cover is a hospitalization cover and reimburses the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in-patient. The cover also extends to pre- hospitalsation and post- hospitalization for periods of 30 days and 60 days respectively.

Major Exclusions:

Any pre-existing disease, any expense incurred during first 30 days of cover except injury due to accident, all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts, Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover.