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Group Mediclaim Insurance Policy

Scope of Cover

Policy covers reimbursement of hospitalisation expenses incurred for diseases contracted or injuries sustained in India.

Pre-hospitalisation: Medical expenses upto 30 days
Post-hospitalisation: Medical expenses upto 60 days

Code: Misc 04

More Details

Sum Insured

Minimum `15,000 and Maximum `5,00,000


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.

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.

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 recognised by discount and conversely, unfavourable claims experience attracts loading on renewal premium.

Main extension

Policy can be extended to cover maternity benefits on payment of additional premium.