Businesses rely on employees for success in the marketplace. Its vital to insure your employees against accidents and ailments to avoid wasting valuable man-hours and causing low employee morale. The Reliance Group Mediclaim Insurance Policy covers your employees health at an economical cost and lets you enjoy tax benefits too.
The Reliance Group Mediclaim Insurance Policy has a lot to offer…
Hospitalization Expenses
- Complete hospitalization cover
- Inclusive of doctor’s fees
- Includes nursing expenses, OT charges
- Fees for anesthetist and consultants covered
- Pre and post hospitalization charges covered
Medicine, Consumables and Diagnostic Expenses
Covers costs of:
- Medicines and drugs
- Anesthesia, blood, and oxygen
- Surgical appliances, pacemaker and radiotherapy
- Diagnostic material and X-rays, dialysis and chemotherapy
- Artificial limbs and organs
Domiciliary Hospitalization
- Cover for treatment administered at home, subject to:
- Medical condition restricting the patient from being shifted to hospital
- Lack of accommodation in any hospital/nursing home
Day Care Treatment
- Coverage for treatment that does not need hospitalization for 24 hours or more
- Pre and Post-Hospitalization
- Covers medical expenses for a specified number of days
This policy offers you more benefits:
- Family floater clause can be added
- Option of day-one cover for maternity, pre-existing illness, and for children; no waiting period for policy to start
- Extra insurance cover for needy employees
- Buffer sum insured can be extended to employees who have exhausted their sum insured
This policy does not cover...
- Vaccination and inoculation
- Cosmetic treatment
- Cost of spectacles, contact lenses and hearing aids
- Treatment for HIV/AIDS
- Treatment for illnesses due to war and nuclear perils
- Naturopathy treatment
- If the appropriate waiver is not opted for, then the policy will not cover:
- Treatment of pre-existing illnesses
- Any treatment for illnesses/diseases within the first 30 days of the policy, unless due to an accident
- Treatment of specified illnesses for the first year of the policy
The policy can be issued to:
- Corporate/ Small and Medium Enterprises – for employees and their families
- Clubs/Societies/Other specific groups – for their members
- Maximum age to enter the Plan is 65, 60 and 55 years for Standard, Silver and Gold Plans, respectively
- Between the ages of 5 and 80 years.
- The policy also provides health insurance for children between the ages of 3 months and 5 years, if one of the parents is covered concurrently.
