Individual as well as Parivar Mediclaim policies are available online.
The Individual Mediclaim policies are available upto 50 years of age and upto Rs 5 lac Sum Insured.
FAQ - Health Insurance
The policy canbe availed by any person above 18 years of age. Children between the age of 3 (three) months and 18 (eighteen) years can be covered, provided parent(s) is/are covered.
The policy can be availed by any person up to 65 years of age.
Policy can be availed for self and the following family members
- Spouse
- Dependent legitimate or legally adopted children
- Dependent child up to 18 (eighteen) years of age
- Dependent male child above 18 (eighteen) years and up to 25 (twenty five) years, if a bona-fide student and not employed
- Dependent female child if not employed, till marriage
- Parents
Pre policy checkup is required in cases where the proposer is
- 40 (forty) years and above or
- opting for SI INR 6,00,000 and above (irrespective of age)
- opting for Critical Illness optional cover, between the age of 18 (eighteen) years and 65 (sixty five) years
The reports required for pre policy checkup are –
- Physical examination (report to be signed by the Doctor with minimum MD (Medicine) qualification)
- HbA1c
- Lipid profile
- Serum creatinine
- Urine routine and microscopic examination
- ECG
- Eye checkup (including retinoscopy)
- Any other investigation required by the company
The date of medical reports should not exceed 30 (thirty) days prior to the date of proposal
The company shall reimburse 50% (fifty percent) of the expenses incurred for pre policy checkup, if the proposal is accepted and the premium has been realized.
The age and address of the insured must be submitted by any of the documents as mentioned in the table below.
Proof of identity
- Passport
- PAN Card
- Voter’s Identity Card
- Driving License
- Letter from a recognized Public Authority (as defined under Section 2 (h) of the Right to Information Act, 2005) or Public Servant (as defined in Section 2(c) of the ‘The Prevention of Corruption Act, 1988’) verifying the identity and residence of the customer
- Personal identification and certification of the employees of the insurer for identity of the prospective policyholder.
- Letter issued by Unique Identification Authority of India containing details of name, address and Aadhar number
- Job card issued by NREGA duly signed by an officer of the State Government
Proof of Residence
- Telephone bill pertaining to any kind of telephone connection like, mobile, landline, wireless, etc. provided it is not older than six months from the date of insurance contract
- Current Passbook with details of permanent/present residence address (updated upto the previous month)
- Current statement of bank account with details of permanent/present residence address (as downloaded)
- Letter from any recognized public authority
- Electricity bill
- Ration card
- Valid lease agreement along with rent receipt, which is not more than three months old as a residence proof
- Employer’s certificate as a proof of residence (Certificates of employers who have in place systematic procedures for recruitment along with maintenance of mandatory records of its employees are generally reliable)
Proofs of both Identify and Residence
Written confirmation from the banks where the proposer is a customer, regarding identification and proof of residence.
