Knee Replacement Under Insurance- 100% Cashless

Cost Covered Under Health Insurance & Mediclaim

Mediclaim policies cover various medical costs incurred by the policyholder during hospitalization or treatment. The specific costs covered under a Mediclaim policy can vary depending on the policy and its terms and conditions, but in general, the following costs are covered:

• Room and boarding expenses: This includes the cost of the room or bed in the hospital, as well as related expenses such as nursing charges, food, and other amenities.

• Medical expenses: This includes the cost of medical treatment received by the policyholder, such as fees charged by doctors, surgeons, and specialists, the cost of knee implants, diagnostic tests, medicines, and other medical supplies.

• Surgery expenses: This includes the cost of surgical procedures, including the fees charged by the surgeon, anesthetist, and other medical practitioners involved in the surgery, as well as the cost of the operation theater and related equipment.

• Pre and post-hospitalization expenses: This includes the cost of medical expenses incurred before and after hospitalization, such as doctor consultations, medicines, and diagnostic tests.

• Daycare procedures: This includes the cost of medical procedures that do not require overnight hospitalization but require specialized medical facilities, such as chemotherapy, dialysis, and cataract surgery.

• Maternity expenses: This includes the cost of medical expenses related to pregnancy and childbirth, such as prenatal care, delivery charges, and postnatal care.

• Ambulance charges: This includes the cost of ambulance services used to transport the patient to and from the hospital.

It is important to note that the specific costs covered under a mediclaim policy can vary depending on the policy’s terms and conditions, and it is essential to carefully read the policy document before purchasing it. Additionally, some policies may offer optional coverage for specific treatments or conditions. However, it is advisable to consult your insurance provider to confirm the extent of coverage and any exclusion that may apply. 

What Is The Difference Between Mediclaim and Health insurance?

Health insurance and mediclaim are two different types of insurance policies that offer different levels of coverage for medical expenses. Here are the main differences between the two:

• Coverage: Health insurance provides coverage for a broad range of medical expenses, including hospitalization, outpatient care, diagnostic tests, prescription medications, and preventive care. On the other hand, mediclaim policies provide coverage specifically for hospitalization expenses, such as room rent, doctor’s fees, and medical tests related to your hospital stay.
• Premiums: Health insurance policies generally have a higher premium than mediclaim policies because they offer a wider range of coverage options. Mediclaim policies have a lower premium but offer limited coverage than health insurance policies.
• Coverage Amount: Health insurance policies usually have a higher coverage amount compared to mediclaim policies. Health insurance policies often offer a higher sum insured, which can cover a wider range of medical expenses.
• Additional Benefits: Health insurance policies may offer additional benefits like maternity benefits, wellness programs, coverage for pre-existing diseases, and emergency medical evacuation, which are not offered by most mediclaim policies.
• Claim Process: The claim process for health insurance policies is more extensive and requires more documentation as they cover a wider range of medical expenses. The claim process for mediclaim policies is relatively simpler since they offer limited coverage.

In summary, health insurance provides comprehensive coverage for a wide range of medical expenses, while mediclaim policies provide coverage specifically for hospitalization expenses. It’s important to consider your healthcare needs and budget before choosing a policy that fits your requirements.