United India Individual Mediclaim Health Insurance Policy

Protection under this health insurance policy is provided for hospitalisation expenses as well, including boarding / room expenses, nursing expenses, fees paid towards specialists, anaesthetists, surgeons and medical practitioners.

Cover is also offered for anaesthesia, oxygen, surgical appliances, blood, operation theatre fees, diagnostic materials, medicines and x-ray. Procedures such as radiotherapy, chemotherapy and dialysis are also covered under this policy.

Individual Mediclaim Policy Coverage Details

1. Coverage is offered to the assured individual in case he/she contracts a disease/illness or sustains bodily injuries
2. Hospitalisation expenses are covered for surgical / medical treatment at any hospital / nursing home in India
3. Hospitalisation expenses that are covered include boarding or room expenses, nursing expenses, anaesthetist, consultants, medical practitioners, specialists and surgeon's fees
4. , oxygen, anaesthesia, operation theatre charges, blood, x-ray, diagnostic materials, medicines and drugs
5. Cost of pacemaker, cost of organs, chemotherapy, artificial limbs, radiotherapy, dialysis and similar expenses
6. Hospitalisation expenses are covered if the patient is under care for a minimum of 24 hours. The conditions / procedures that are exception to this are adenoidectomy, appendectomy, pleural / ascetic tapping, auroplasty, coronary angiograph, coronary angioplasty, radiotherapy, lithotripsy, varicocelectomy, incision and drainage of abcess, wound suturing, FESS, ventral / inguinal / femoral / umbilical hernia, polypectomy, parenteral chemotherapy, septoplasty, piles / fistula, sinusitis, prostate, dental surgery, haemo dialysis, D&C, fissurectomy / fistulectomy, tonsillectomy, mastoidectomy, endoscopies, eye surgery, hydrocele, liver aspiration, varicose vein ligation, excision of lump / granuloma / cyst, sclerotherapy, hysterectomy, and dislocation / fracture excluding hairline fracture.