Page 329 - Misc Ebook IC 78

Miscellaneous Insurance

Chemotherapy, Radiotherapy, Cost of Pacemaker,
Artificial Limbs and Cost of organs, etc.
(e) Relevant medical expenses incurred during 30 days
of pre-hospitalisation and 60 days of post
hospitalization.

Q2.b) How the group health policies differ from
individual health policies?

Ans. Mediclaim policy is designed to provide reimbursement
and domiciliary hospitalisation expenses for illness or
disease suffered for any accidental injury sustained
during the policy period.

Apart from the hospitalisation expenses it also covers
all the related medical expenses for that particular
disease, illness or injury for one month of pre
hospitalisation and two months of post hospitalisation
period. In case of continuous insurance without break,
the sum insured gets increased by 5% for each claim
free year of insurance subject to a maximum of 10 years.
In the event of a claim the increased percentage gets
reduced by 10% of the sum insured at the next renew

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