Parivar Mediclaim Policy

18 years - 60 years.

Dependent children between the age of 3 months and 25 years can also be covered.

• Reimbursement of hospitalisation expenses:

• Room rent, nursing expenses and other charges incurred at the hospital: Non ICU- 1% of the sum insured is provided per day. ICU – 2% of the sum insured in giver per day.
• Expenses of surgeon, anaesthetist, medical practitioner, consultant, specialist’s fees and nursing expenses are covered.

• The following expenses are covered:

• Anaesthesia
• Blood
• Oxygen
• Operation theatre charges
• Surgical appliances
• Medicines and drugs
• Diagnostic material
• X-ray
• Dialysis
• Chemotherapy
• Radiotherapy
• Cost of pacemaker
• Artificial limbs
• Cost of organs, etc.

• On paying extra premium, existing conditions like diabetes and hypertension can be covered.
• Pre hospitalisation expenses incurred 15 days before hospitalisation are covered.
• Post hospitalisation expenses incurred 30 days after hospitalisation are covered.
• Cashless facility can be availed through Third Party Administrator.

• Total expenses payable to one illness is only 50% of the sum insured.
• Pre-existing conditions are excluded for the first 4 years.
• Except for hospitalisation due to accidents, other treatments within the first 30 days of buying the policy are excluded.
• There is a 2 year exclusion on:

• Cataract
• Sinusitis
• Piles
• Hysterectomy
• Hernia
• Hydrocele
• Benign prostatic hypertrophy
• Stone removal
• Joint replacement
• Surgical treatment of tonsils, etc.

• Expenses arising from intentional self-injury, drug and alcohol abuse are excluded.
• Cost of vitamins unless they are a part of the treatment.
• Diseases since birth are excluded.
• Medical expenses arising from HIV, AIDS and related diseases are excluded.
• Cost of contact lenses, spectacles and hearing aids are excluded.
• Non allopathic treatment costs are excluded.
• Conditions caused by war or nuclear weapons are excluded
• Pregnancy, miscarriage, abortion or other child-birth related conditions are not covered.
• Service charge, admission fee or surcharge levied by the hospital are not covered.