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Group Mediclaim Insurance Policy
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Scope of Cover
Policy covers reimbursement of hospitalization expenses incurred for diseases contracted or injuries sustained in India.
Pre – hospitalization: Medical expenses upto 30 days
Post – hospitalization: Medical expenses upto 60 days
(Code: Misc 04)
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Sum Insured
Minimum Rs. 15,000/- and Maximum Rs. 5,00,000/-
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Premium
Premium chargeable depends upon age of the person and the Sum Insured selected.
Age limit is 5 to 80 years. Children above 3 months can be covered provided one or both parents are covered concurrently.
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Significant Exclusions
Pre Existing Diseases, Diseases Contracted During first 30 Days, Cost Of Spectacles / Contact Lenses, Dental Treatment, AIDS, Pregnancy and certain specified diseases during first year of the policy.
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Group Discount
Policy can be given to Corporate Body, Institution, Association and slab wise group discount is admissible on standard premium if the group size exceeds 100. Larger the group size higher is the discount. Favourable claims experience is recognized by discount and conversely, unfavourable claims experience attracts loading on renewal premium.
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Main Extension
Policy can be extended to cover maternity benefits on payment of additional premium.
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