Wednesday, June 15, 2016
by
Indian Real Estate News
Individual Health Plans Online
These are the 'traditional' health insurance covers, known as 'mediclaim' policies informally, even though the word 'mediclaim' is just a brand of one of the companies. These generally cover hospital treatment expenses provided the treatment is on in-patient basis and lasts for at least 24 hours.
The expenses covered include hospital bed/room, nursing, surgeon's fees, consultant doctor's fees, blood transfusions, oxygen and operation theatre charges. These days most plans come with sub-limits for each of these heads. They usually do not cover pre-existing diseases or complications arising from them for the first four years of the policy.
Besides, there are specific conditions that may not be covered for a certain initial period. There is generally an enhancement for every year during which no claim is made.
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