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Main Features
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Choose policies that allow customization
Ensure adequate protection for liability risks
Address specific risks relevant to your situation
Confirm sufficient coverage limits and understand deductibles
Check the insurer's reputation for claims and customer service
Review exclusions and special conditions carefully
Policies
National Group Mediclaim Policy
This group health insurance policy covers basic health insurance needs for employer-employee and non-employer-employee groups.
Coverage:
- Hospitalization expenses for in-patient care (allopathic, Ayurveda, homeopathy) or day care treatment for illnesses contracted or injuries sustained during the policy period.
Major Exclusions:
- Only accident-related claims are payable for the first 30 days of policy inception.
- Eye correction for refractive errors of 7.5 dioptres or more, subject to a two-year waiting period.
- Pre-existing diseases covered after 48 months of policy commencement.
- Specific waiting periods of 90 days, one year, two years, and four years for certain diseases.
- Exclusions include gender-change treatments, cosmetic or plastic surgery, excluded providers, non-prescription drugs, home visit charges, dental treatment (unless due to accident), and outpatient department (OPD) treatment.
Note: The coverage, liability, and exclusions mentioned are not exhaustive. Please contact our nearest branch office for complete details.