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Insurance Article

Avail of monetary and medical benefits with an individual mediclaim Insurance policy

March 13 2013

Medical aid has become a costly affair but it is extremely essential for the ailing individual to ensure complete recovery. However, arranging for bills single-handedly is likely to cause panic and loss of savings when footing large treatment bills. It is in situations like these that a mediclaim insurance policy will come to your rescue and offer respite during such trying times.

When opting to buy insurance policy for yourself, you must carefully consider the policy offerings so as to enjoy maximum benefits when faced with a medical emergency. You must ensure that the policy that you plan to opt for offers coverage for different types of treatments. The policy must also clearly state the types of ailments and diseases covered under the mediclaim policy. It should also mention if the policy offers coverage for ailments or hospitalisation cost due to accidents or mishaps.

For insuring a single person, many health insurance companies offer individual health insurance policies that help financially during an unexpected medical exigency. The Personal Protect policy offered by ICICI Lombard provides relief by offering medical security to the insured individual when faced with a medical emergency. According to this mediclaim policy, coverage is offered in case of death due to mishaps occurring due to natural calamity, rail or road accident and terrorist acts.

This policy has a large sum insured that paid to the family of the insured individual if his demise occurs within the policy period. The financial assistance offered by this policy helps to keep financial crisis at bay especially if the family has lost the sole breadwinner in the accident. Coverage for severe injuries is also offered by this mediclaim insurance policy that could occur during an accident or mishap. Permanent loss of functioning of the hands, eyes or feet makes the insured person eligible to receive financial aid with the sum insured amount. In case the insured person is unable to remain gainfully employed due to the severity of his injuries, then the complete sum insured is awarded to reduce financial crisis for the family.

To purchase this policy, no medical checkup is required which enables you to purchase this policy almost instantly. This policy can also be purchased for the elderly members of your family who are below 80 years of age.

Thus, medical assistance and financial aid offered to the insured individual will enable you to offer optimal medical aid when faced with an exigency.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

IRDA Reg. No. 115

Toll Free No: 1800 2666

Job Code: EC013008MI

Product Code: Misc 111

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