Expenses incurred by the insured for hospitalisation for illness / diseases or injury sustained (domiciliary hospitalisation also payable as per policy). These include Hospital charges ( Room, Boarding & Operation theatre ) fees for surgeon, Anaesthetist Nursing, specialist etc., diagnostic tests, cost of medicines, blood, oxygen etc., cost of appliances like pacemaker, artificial limbs etc.,

  • Any person in the age group of 5 to 75 years Children between 3 months and 5 years can be covered only along with parent/s.
  • Institutions ( Government or Private ) for their employees
  • Clubs / association for their members in the said age group
  • Group schemes for homogenous groups of more than 50 persons. 

What will pay

  • Domiciliary hospitalisation benefits can be excluded under group mediclaim policy and a premium discount can be availed
  • Exemption under income tax (80D of Income Tax Act) for Premium paid by cheque
  • A discount of 10% of total premium for coverage of family under a single policy
  • Actual hospitalisation expenses of various types listed above subject to a
    maximum of Rs. 15,000/- to Rs. 5,00,000/- depending upon the sum insured chosen at the inception of the policy ( sum insured is maximum liability under the policy )
  • Actual domiciliary hospitalisation expenses limited to Rs. 3,000/- to Rs. 50,000/- depending on the sum insured chosen at inception
  • Cost of health check up reimbursable at the end of 4 continuously claim free underwriting years limited to 1% of Average sum insured of 4 claim free years
  • The sum insured will be increased by 5 % cumulative bonus for every claim free year. If there is a claim in a policy with cumulative bonus 10% of the sum insured will be reduced from the earned bonus

N.B.
Maternity expenses incurred in Hospital / Nursing Home as in-patient subject to limit of sum insured or Rs. 50,000/- whichever is lower on payment of extra premium and policy being extended to cover maternity benefits. This benefit is only available in group policies.
All terms, benefits, conditions of cover are subject to the definitions of
various terms under policy.