Ans: Mediclaim policies settle hospital bills that incur as a result of ailments or accidental injuries suffered by the policy owners during the policy period.

Ans: As per policy rules, the age limit for children is 3 months to 5 years if either of their parents is covered simultaneously. For others it is between 5 to 80 years.

Ans: Policy premiums up till Rs.10,000/- are exempted from tax under Section 80 D of the Income Tax Act as on March 31, 2007.

Ans: People from low-income groups can avail the benefits of the Jan Arogya Bima Policy.

Ans: Members of the Indian Cancer Society may use the Cancer Medical Expense Policy while members of the Cancer Patients Aid Association are eligible for the Cancer Insurance policy.

Ans: Presently, only the Allopath, Ayurvedic and Unanipathy systems of medicine are covered by Mediclaim policies. 

Ans: A Mediclaim Policy is valid for health problems that happen anywhere in the world provided that treatment is received in India.

Ans: When treatments such as Dialysis, Chemotherapy or Radiotherapy are received in a hospital and the insured patient is discharged on the same day, the treatment is grouped under the Hospitalization Benefit Scheme.

Ans: An operation of the eye done by Laser Capulsotomy comes under the Hospitalization Benefit Scheme of a Mediclaim Policy.

Ans: No coverage is allowed if your spouse or other dependants are covered under other Mediclaim Policies.

Ans: Continuous treatment is the treatment given to a patient for a particular ailment at a stretch. It includes all relapses within 45 days from the date of last consultation with the doctor or hospital. Any occurrence after 45 days will be considered a new ailment.

Ans: All medical treatment for which Mediclaim protection is desired should be received in India only. Payment of all claims will be made in Indian currency.