IndiaFirst Mediclaim Policy

What is the Plan all About?

IndiaFirst Life Insurance Co. offers Mediclaim policy which is a comprehensive plan for you and your family.It is a non linked and non participatory health plan offering twin benefits of life cover and health cover.

This plan offers 2 Plan Variants:

Easy Health
Premier Health

Key Features

Complete health plan for your family
Health Card enables Quick swipe and instant payment
200 Day Care Procedures covered
Guaranteed premium for 3 years
Enjoy Tax Benefits
Lifetime Renewability

Policy Benefits

Hospitalization benefit covers expenses like room rent, boarding expenses,OT Charges,Medical Practitioner fees,etc. for a minimum stay of 24 hours.
200 Day Care Treatments are covered under this policy.
Pre & Post Hospitalization expenses are covered for 30 days before hospitalization and 60 days post discharge are covered.
Maternity benefit and Ectopic Pregnancy are covered upto the specified limit in the plan.
Domiciliary Hospitalization expenses are covered under the plan.
Organ Donor expenses are covered.
Cost of Artificial Limbs is covered.
Additional Cover to attain a Life Cover is available under this plan by choosing a Term Rider.

Value Added Benefits

No Claim benefit is available at 5% of the basic sum assured upto the maximum of 20% of the sum assured.
Tax benefits under section 80 D are available under this plan and 80 C for Term Rider.
Ambulance expenses covered as per the limits.
Health Insurance Portability is allowed under this plan.
Lifelong Renewability is available.

Sub Limits

Maximum Capping for the expenses of Ectopic Pregnancy is Rs 30,000 for easy health or Rs 50,000 for premier health or actual expenses whichever is lower.
Maternity benefits are paid on female life to a maximum of Rs 1 Lac.
Domiciliary benefit expenses are capped upto 5% of the basic sum assured.
Cost of Artificial Limb is limited to 10% of the annual Sum Assured or Rs 25,000 whichever is lower.
Actual expenses are paid off for ambulance service availed.

Waiting Period Clause

Initial Waiting Period: Initial 30 days of the policy start date, waiting period for newly incurred diseases except those arising out of accidents.
Specific Waiting Period: Specific waiting period of 2 years is applicable for the listed surgeries.
Pre existing Disease Waiting Period: This plan has a waiting period of 36 months to cover pre existing diseases.
Maternity Waiting Period: 2 year waiting period is there to avail maternity benefits.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Child: 3 Months, Adult: 18 Years	Child: 20 Years, Adult: 65 Years
Cover Type	Individual/Family Floater	-
Policy Tenure	5 Years	5 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Term Rider	-
Policy Type	Offline	-