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Difference Between Mediclaim and Health Insurance

Understand the difference mediclaim and health insurance and decide the best policy for you and your family.

  • 30 Mar 2023
  • min read

If you are reading this, chances are you're trying to understand what is the difference between Mediclaim and health insurance. Well, you're not alone. Many of us tend to use these terms interchangeably, but they are essentially quite different.

In simple terms, Mediclaim is a type of health insurance policy that only covers hospitalisation expenses for a specific illness or injury. In contrast, health insurance is a broader policy that covers a wide range of medical expenses, including hospitalisation, medical consultations, and diagnostic tests. In this blog, we'll take a closer look at these two types of policies and help you understand the differences between them.

What is the Difference Between Mediclaim and Health Insurance?

Mediclaim and health insurance are two types of insurance policies that provide financial protection in medical emergencies. Although both policies may sound similar, they have several key differences that set them apart:


  • Provides coverage only for hospitalisation expenses; applicable only when the policyholder requires hospitalisation
  • Offers limited coverage of up to Rs 5 lakh and has no add-on covers
  • It is inflexible and cannot be customised

Health Insurance:

  • Offers a comprehensive cover that extends beyond hospitalisation expenses and includes annual health check-ups, daily hospital cash, OPD expenses, and alternative treatments such as AYUSH
  • Offers numerous add-on covers such as Critical Illness Cover, Maternity Benefit and Infertility Cover
  • It is flexible and can be customised based on the policyholder's age, city, and number of members in a single plan

Also read:

Which One Should You Choose?

You need to consider several factors when deciding between Mediclaim and health insurance. These factors may include the following:

  • Your current financial situation and budget for health insurance
  • Any pre-existing health conditions you or your loved ones may have
  • Your long-term or short-term planning goals
  • Your need for flexibility in your healthcare plan
  • Whether you require additional add-on covers and benefits
  • Your willingness to pay higher premiums for more comprehensive coverage
  • The age and life stage of you or your family members

Keeping these factors in mind, you can make a more informed decision on whether to opt for Mediclaim or health insurance. If you need more information or guidance on choosing the right policy for you and your loved ones, you can always reach out to an insurance agent or financial advisor for help.

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