Humans cannot predict the uncertainties but wise enough to stay protected. As masks, sanitizer, gloves have become necessary, mediclaim insurance has also taken the front seat. Whether it is for healthcare facilities, investment, or tax benefit, it plays a vital role. It stands with you like a friend during a medical emergency and helps you to avail the best treatment for yourself or your loved ones. So, if you still doubt its worth, let’s check why buying a mediclaim policy is a smart choice.

Cashless Hospitalization: You do not need to make arrangements for cash to start the treatment. Admission in any network hospital is required to avail cashless hospitalization facility under mediclaim insurance plans. Your bills get directly settled by the health insurance company.  

Wide Range of Benefits: Whether it is hospitalization, treatment, or medicines, insured members under mediclaim insurance policy get a wide range of benefits. Chemotherapy and radiotherapy cover, daycare treatments, ICU charges, etc., are included under the policy coverage. 

Pre and Post Hospitalization Expenses: Medical expenses that occur right before 30 days of hospitalization & 60 days after the discharge date are admissible under mediclaim policy through reimbursement. 

Sum Insured Options: Mediclaim insurance plans offer different Sum Insured. Opt for the amount that will be sufficient to meet your or your family’s healthcare needs.  An automatic recharge feature helps you to add more Sum Insured if the existing one gets exhausted due to treatment. 

Lifelong Renewability: If you do not want to get into that cumbersome process to buy medical insurance, again and again, mediclaim is the right pick. Once you buy it, you and your family can enjoy lifelong renewability and coverage break-free. 

Preventive Health Check-Up:  Do you know how much extra burden a health check-up can cost you? Preventive health check-ups offer under mediclaim insurance plans helps you to keep track of your health. The good thing is that it is available for all the insured members.

EMI Option:  EMI option in mediclaim lessens the burden on your budget. You can pay the premium monthly or quarterly basis that eases your pocket so that you can manage your other financial responsibilities. 

Quick Recovery Counseling: Companies like Care Health Insurance offers quick recovery counseling feature in mediclaim policy. Suppose you need counseling to recover from health problems, they will arrange face-to-face counseling with a psychologist.

No Claim Bonus: Wao! It is superb. You can double your Sum Insured with no claim bonus. It is more like a reward that you get for every claim-free year to stay healthy. 

Tax Exemption: Mediclaim insurance comes with two-fold benefits. Under section 80D of India’s Income Tax Act, the policy’s premium is eligible for tax exemption. You will get the certificate for the deduction from the company. So, now save more and stay healthy.

Top Health Insurance Companies Offer Mediclaim Policy

You can pick any one of these companies as your trusted medical insurance partner:  

  • Care Health Insurance
  • HDFC Ergo Health Insurance
  • IFFCO Tokio 
  • Max Bupa Health Insurance 


Mediclaim policy is a smart choice for smart people. Avail of it today and make your tomorrow worry-free.