Medical emergencies always come unannounced and if the people have not got comprehensive health coverage, then they must be ready for a massive bill due to hospitalisation. Despite the rising cost of healthcare across the world, people are ignoring the importance of mediclaim policy which is a very wrong act on their behalf. Purchasing mediclaim insurance has become a matter of necessity for the people because this particular insurance will be covering the individuals against the increasing medical cost arising out of hospitalisation. This particular policy will also help in providing the people with financial protection in the cases of hospitalisation due to illness or accident. Similar to the several other kinds of insurance policies the mediclaim policy will also be exercised by paying the premium annually and this policy will help in providing the people with such advantages for a defined period. So, the policy has to be renewed to continue enjoying the benefits of the policy.

 The mediclaim is one of the health insurances through which people can either be reimbursed for the expensive hospitalisation or they can go with the option of choosing the cashless procedure to cover the hospitalisation expenses. Additionally, the premium that the person will pay for this will be eligible under tax exemption under section 80 D of income tax act 1961 which makes this particular option a very good one.

 Following are the most important features and benefits provided by the mediclaim policy which make this option worth it:

• Mediclaim policy will always provide the people with ease of cashless hospitalisation and people can avail this for themselves and the entire family.
• Mediclaim policy will help in providing the best possible shield for financial burdens and will help in ensuring that removal of expenses paid from the pocket will be undertaken.
• Mediclaim policy will help in handling the expenses arising out of the hospitalisation and the best benefit is that it also comes with ease of purchasing through health insurance companies.
• Mediclaim policy helps in providing the people with tax-exemptions and make sure that people will be able to avail of cost-effective healthcare services perfectly.
• It is available in different kinds of formats like individual medical policy, family floater policy, group medical policy, senior citizen mediclaim, critical illness mediclaim, overseas mediclaim, low-cost mediclaim and several other kinds of options which will differ with each other depending upon their overall features.

 What are the things covered under the mediclaim policy?

1. The hospitalisation cost: It will include the medical expenses which have been incurred by the people during the hospitalisation of the beneficiaries of the policy or the policyholder. It will cover expenses related to diagnostic procedures like medicines, blood, x-ray, oxygen and several other kinds of things.
2. The pre-and post-hospitalisation expenditure: All the medical expenditures arising before 30 days of hospitalisation and up to 60 days of post-discharge will be covered under this particular type of mediclaim policy but the individuals need to check with the insurer if this type of hospitalisation is part of a policy or not.
3. The daycare expenditures: All the medical expenditures which are arising out of the advanced level medical treatments which do not require patients to be hospitalised for more than 24 hours will also be covered under this.
4. Hospital room expenditures: The cost towards different kinds of wards or ICU will also be fully reimbursed through the cashless facility provided by the mediclaim policy.
5. The professional fees of the doctor: The consultation or the medical professional charges for example nurse fees, Dr Fees and several other kinds of fees will also be covered under the mediclaim policy.

 Things like pre-critical illnesses, dental treatment, sexually transmitted disease, vaccinations, plastic surgery, cosmetic surgery, maternity expenses if not opted as an add-on feature, non-medical expenses like toiletries, administrative, service charges, disease contracted with a set period and several other kinds of things will be excluded from the coverage of mediclaim policy.

 Before purchasing the mediclaim policy it is very much important for the people to finalise if the policy is for individual or the family floater plan and also the people need to check the renewal ability age if the policy covers pre-existing problems. One must also check different kinds of companies in terms of features and benefits provided by their products and services so that one can select the right policy perfectly. Depending upon the professionals like care mediclaim insurance is a great idea in this particular field because the company comes with top-notch quality products which will be providing the people with several kinds of advantages in the long run and will help in ensuring that there will be no problem to the people insured under the policy. Hence, whenever the individuals are interested in avail the best possible shield against increasing medical costs then availing of the mediclaim policy is a great idea.