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Med Claim and Personal Accident Policy

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Mediclaim Policy
- Salient Feature
- Scope of Cover
- Additional Features
- Exclusions
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Reliable Risk Managers

Krishna Nagar East, Delhi
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Product Description

Mediclaim Policy
  • Salient Feature
  • Scope of Cover
  • Additional Features
  • Exclusions
1. Salient Feature Hospitalisation for illness, disease or accident, whether including surgery or not, imposes heavy financial burden on individuals, families, employers and welfare bodies.
1. Scope of Cover
Mediclaim insurance policy has been devised under the aegis of the Government of India.

The policy provides the following benefits


1) Reimbursement of hospitalisation expenses which are reasonably and necessarily incurred, under the following heads:

a) Room, boarding expenses as provided by the hospital/nursing home.
b) Nursing expenses.c) Fees of surgeon, anaesthetist, medical practitioner, consultant and specialist.
d) Expenses on account of anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic material, X-ray, dialysis, chemotherapy,radiotherapy, cost of pacemaker, artificial limbs and cost of organs and similar expenses.

2) Introduction of Sub-Limits:

The following provisions have been introduced:

a. Room, Board and Nursing Expenses as provided by the Hospital /Nursing Home- Room Rent limit : 1 % of the Sum Insured per day subject to maximum of Rs.5000./-. I.C. Unitexpenses : 2 % of Sum Insured per day subject to maximum of Rs. 10,000/-. Over all limits under this head : 25% of S.I. per illness.
b.Surgeon, Anesthetist, Medical Practitioner,Consultants Special fees – maximum limits per illness – 25% of S.I.
c.Anesthesia, Blood, Oxygen, OT charges, Surgical appliance, Medicines, drugs, Diagnostic Material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbsand cost of stent and implant. Maximum limit per illness – 50% of Sum Insured.
d. Ambulance services - 1% of the sum insured subject to maximum of Rs 1000/- provided registered ambulance is used for shifting patient from residence to hospital if admitted to ICUor emergency ward OR from one hospital to another subject to sub-limits under ‘c’ above.e.Hospitalization expenses of person donating an organ during the course of organ transplantwill also be payable subject to the sub-limits under ‘c’ above. 3) Premium paid for the policy towards self, spouse, dependent children and dependent parents are exempt from Income Tax under Sec. 80D of the l.T. Act.
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Med Claim and Personal Accident Policy

About the Company

Nature of BusinessService Provider
IndiaMART Member SinceNov 2013

We at "RELIABLE Risk Managers" are a firm with the main objective to provide expert insurance and legal services to Medical Practitioners, Nursing Homes and Hospitals. We have a tie-up with India's premier insurance company National Insurance Co. Ltd. (A Govt. of India Undertaking).
Ours is a unique service in the country which is truly professional in nature-we are backed by thoroughly experienced and professionals like Forensic Medicine Specialists, Advocates and Insurance Advisors who are working in the field of risk management for doctors for last several years.
The firm is strongly supported and backed by experienced professionals who have been working with private medical practitioners in the country. This is the only Risk Management firm in India, with properly qualified and trained technical professionals. We have made great effort in the past in analyzing different aspects of the problems faced by doctors. We understand that doctors usually do not have time because of being busy in patient care and that they are very exacting in services required at each step of a particular alleged case of medical mishap. We at RRM take special privilege to prepare ourselves in meeting such challenges, be it any form of a medico-legal problem. The firm is backed with highly experienced professionals from different fields of service industry.

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No. 105, G. D. Chambers, B- 22, S. D Marg
Krishna Nagar East
Delhi - 110051, India

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