You need health cover regardless of what you take two at a time - pills or stairs.
National Mediclaim Policy
The National Mediclaim Policy can be taken for a period of 1 year offers policyholders the benefits of cashless treatments at over 6000 hospitals across the country. Once taken, the policy can be renewed through the life of the policyholder and offers benefits like cover for Ayurveda and Homeopathic treatments along with allopathic treatments.
Features & Benefits of National Mediclaim Policy:
18 years to 65 years. Children between the ages of 3 months and 18 years can be covered provided the parents are covered by this policy.
1 year with a grace period of 30 days
Ranges from Rs. 50,000 to Rs. 5 lakhs
Require if the age of the insured is above 50 years and they are taking the policy for the first time
10% discount on premiums if family members are also covered under this policy
The policy will cover over 140 day care procedures
Pre-hospitalisation expenses up to 30 days before hospitalisation will be covered
Post-hospitalisation expenses incurred up to 60 days after hospitalisation will be covered
Ambulance charges up to Rs. 2,000 will also be covered
Room charges including administration, nursing, transfusion and injection charges
General physicians, surgeon, anaesthetist or specialist's fee
Cost of medicines including blood, oxygen, tests, appliances etc. will be covered
The waiting period for pre-existing conditions to be covered is 4 years
During the first 30 days only accidental injuries will be covered
This policy will cover Ayurvedic and Homeopathic treatments up to 20% of the sum insured
Every claim free year will enhance the sum insured by 5%
Premiums paid are eligible for tax benefits under section 80D
The sum insured can be enhanced when the policy is renewed but is subject to a maximum of Rs. 5 lakhs
This policy can be bought online too
If the proposal is accepted the company will reimburse 50% of the cost of pre-policy check-ups
Cashless treatments can be taken at over 6000 hospitals throughout India
Domiciliary treatment will not be covered
Injuries caused by wars and dangerous sports will not be covered
Visits by nurses or doctors to the house will not be covered
Treatment outside India will not be covered
Treatment for HIV/AIDS and other STD's will not be covered
Vaccinations and inoculations are not covered
Dental treatment will not be covered if not required as a result of an accident
Experimental and unproven treatments will not be covered
Other Health Insurance Plans from National Insurance
GST rate of 18% applicable for all financial services effective July 1, 2017.
Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.
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