Mediclaim covers room, boarding charges, nursing expenses, surgeon, anaesthetist / doctor's fees, blood, oxygen, operation theatre charges, x-ray, other tests pertaining to sickness, etc.

Expenses incurred on cost of Spectacles, Contact Lenses, Hearing Aids, Dental Treatment unless requiring Hospitalization, Sterility, Intentional self injury and other exclusion clauses mentioned in the policy. Expenses incurred at Hospitals/Nursing Homes primarily for Diagnostic, X-Rays or Laboratory examination, which are not consistent with or incidental to the diagnosis and treatment of the positive existence of any ailment.

When the condition of the patient is such that he cannot be moved to the hospital or when there is no bed available in any of the hospitals, then the treatment taken at home only if it is like the treatment given at the hospital / nursing home is reimbursable under the Mediclaim policy.

The policy covers reimbursement of reasonable and necessary expenses for treatment of illness / disease / injury contracted during the currency of the policy like room rent, nursing care, Doctor’s fee, investigations charges, medicine charges, operation theatre and like expenses, which fall within the available limit up to the maximum of Sum Insured in any one period of insurance stated in the policy schedule.

Under Mediclaim, the limit of compensation is low and for certain diseases like asthma, bronchitis, diabetes, epilepsy, etc it is not available. Mediclaim covers pre-hospitalisation (limited up to 30 days) and post-hospitalisation (limited to 60 days from discharge) expenses also if they are connected with the sickness / accident for which the hospitalisation takes place.

Hospital where the treatment is done should be a reputed hospital, having at least 15 beds, an emergency unit (24 hrs open) and a separate Operation Theatre. 3.) There are certain exceptions in the nine months waiting period is there for maternity cases. Few diseases are not getting covered like Cataract, BPH in first year. Pre-existing will not get covered/ninth month, and first years

Hospice care is typically reimbursed by Medicare and operates under Medicare's federal guidelines, but other payor sources, such as Medicaid and private insurance, often reimburse under those same guidelines. Under the Medicare hospice benefit, expenses such as medications, equipment and supplies associated with the hospice diagnosis are covered 100 percent with no deductibles or co-pays.

Answer: Employers must pay an injured employee's medical expenses reasonably related to the "cure and relief" of the injury (KRS 342.020). Medical expenses include doctors charges, prescription expenses, hospital bills, nursing treatment, charges for tests (such as x-rays and MRI's), braces, travel expenses and many other items. In Kentucky, medical expenses can be payable for life.

There are certain diseases and injuries that are not covered by this policy. These fall under basically 3 categories The injuries or diseases not covered in the first year of operation of the policy are: Note: The diseases listed above are only excluded from cover only for the first year of the policy and not afterwards.

The plan aims to cover those who are hospitalised due to sickness or injuries and therefore treatment must be involved. If your surgical expenses have been fully reimbursed by a third party, you will not receive further reimbursement from HospitalSurance under surgical benefit. However, you are still entitled to daily hospital cash benefit if you are hospitalised due to a covered medical condition.

No, Mediclaim policy covers treatment taken from Allopathic, Homeopathic, Ayurvedic and Unani systems of medicines but it does not cover Naturopathy treatment No but Mediclaim protection is available for illness / disease / injury contracted anywhere in the World provided the treatment is taken in India.

Yes, Mediclaim protection is available for illness/disease contracted anywhere in the World provided the treatment is availed in India. Domiciliary Hospitalisation benefits cover the expenses on employment of qualified nurses, who are employed on the recommendation of the attending Medical Practitioner and who holds a certificate of a recognized Nursing Council.

Mediclaim covers medical tests connected with the sickness. Hospitalisation expenses for medical check up only are not covered. There has to be positive existence of diseases to claim under Mediclaim.

Answer. First, you are responsible for satisfying the Coverage Period deductible ($250; $500; $1,000; or $2,500) you selected. The deductible amount will be automatically deducted from benefit payment(s) until it has been fully satisfied. Following deductible satisfaction, the plan then pays the next $5000 in covered expenses at the benefit level (*80% or *50%) you selected -- this is called coinsurance.

The Mediclaim Policy allows reimbursement of medical expenses incurred towards the ailment/ disease for which hospitalisation was necessitated prior to hospitalisation and up to a certain number of days after discharge. This is subject to the limits as described in the policy. The medical expenses incurred prior to Hospitalisation are called pre- hospitalisation expenses and those incurred subsequent to discharge as post Hospitalisation expenses.

No. Any claims in respect of pregnancy, childbirth (including diagnostic tests for pregnancy and surgical delivery), miscarriage, abortion and pre-natal or postnatal care are excluded

Yes, your spouse, 2 dependent children & dependent parents can be covered and family discount of 10% is available on the Premium paid for them.

Qualified Parking Expenses - permits employees to pay for their share of expenses, up to the lower of the statutory or plan limits, for parking on or near the Employer's premises or at a location from which the employee commutes to work on a pre tax salary reduction basis. Costs of parking at, or near employee's residences are not reimbursable.

Cost of medicine, diagnostic medicine, blood, anesthesia, oxygen, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs.

NO - Expenses are covered only if they are previously approved in writing by TechProse and the client. So don't spend out-of-pocket money unless it has been pre-approved.