Health Insurance Mediclaim
Individual & Family Floater Comprehensive Hospitalization Health Coverage
Health Insurance Mediclaim provides comprehensive hospitalization coverage with automatic sum insured reinstatement and 50% cumulative no-claim bonus for every claim-free year accumulating up to 100% of the basic sum insured.
With sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs, Dattani Insurance offers premium health policies featuring zero sub-limits, zero co-payment, pre & post hospitalization coverage (60 & 180 days), and lifelong renewals.
Health Insurance Mediclaim Details & Add-On Covers
Key Benefits & Sum Insured Features
- * Sum Insured options from ₹3 Lakhs to ₹50 Lakhs
- * Automatic Reinstatement / Restore benefit to auto-reinstate sum insured if exhausted
- * Multiplier Benefit offering a 50% No Claim Bonus every year (up to 100%)
- * Pre-Hospitalization cover for 60 days & Post-Hospitalization cover for 180 days
- * Coverage for All Day-Care Procedures & Domiciliary Treatment
- * No Sub-limits & No Co-payment on hospitalization claims
Inbuilt Services & Value Added Coverages
- * Expenses for Organ Donor hospitalization
- * Daily Cash allowance for choosing shared accommodation
- * Emergency Ambulance transport coverage
- * Health Checkup benefit (for Sum Insured greater than 15 Lakhs)
- * E-opinion in respect of Critical Illnesses
- * Lifelong Renewal with No additional claim loadings at renewal
Key Benefits & Highlights
What Is Covered Under Health Insurance Mediclaim
- Inpatient Hospitalization, Room Rent & ICU Care
- Day-Care Surgeries, Procedures & Domiciliary Treatment
- Pre-Hospitalization (60 Days) & Post-Hospitalization (180 Days) Expenses
- Organ Donor Hospitalization & Emergency Ambulance Costs
- Annual Health Checkup & Second E-Opinion for Critical Illnesses
Why Choose Dattani Insurance for Health Insurance Mediclaim?
With over 20 years of risk management experience led by Chief Insurance Advisor Jay Dattani (United India Insurance Co. Ltd.), we prioritize honest, need-based advising over selling generic policies. We guide you through policy comparison, optimal sum insured valuation, and dedicated claim settlement assistance.
Frequently Asked Questions
What is the Restore Benefit in Mediclaim Insurance?
If your base sum insured is exhausted during a policy year due to claims, the Restore Benefit automatically reinstates 100% of your sum insured for subsequent hospitalizations.
Does this policy have sub-limits or co-payment?
No, this policy features zero room rent sub-limits and zero co-payment, ensuring full claim reimbursement.
