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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 -


  • Congenital benefits
  • Self Inflicted injury
  • Cosmetic Treatments
  • Non Allopathic methods of surgery
  • Sleep related disorder
  • Cost of Spectacles, etc.