Hi, I want to ask something about ICICI Mediclaim that I am using spectacles from many years & now I have taken an mediclaim of ICICI, So can I do the laser operation & will it be covered under this medicalim.
Please do reply.
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Hi, I want to ask something about ICICI Mediclaim that I am using spectacles from many years & now I have taken an mediclaim of ICICI, So can I do the laser operation & will it be covered under this medicalim.
Please do reply.
It would not be covered any of the mediclaim plans. I am not sure about ICICI Mediclaim.
Pre-existing disease is not covered in any mediclaim policy.Quote:
Originally Posted by ajai
FAQ on Health Insurance / Mediclaim
Quote:
Are all diseases and injuries covered by Mediclaim ?
There are certain diseases and injuries that are not covered by this policy. These fall under basically 3 categories The injuries or diseases not covered in the first year of operation of the policy are:
- Cataract
- Benign prostatic hypertrophy
- Hysterectomy for menorrhagia or fibromyoma
- Hernia, hydrocele
- Congenital internal diseases
- Fistula in anus
- Piles
- Sinusitis and related disorders
Note: The diseases listed above are only excluded from cover only for the first year of the policy and not afterwards.
The injuries and diseases or medical conditions not covered at all under Mediclaim are:
- Cost of spectacles, contact lenses,hearing aids
- Dental treatment, surgery unless it requires hospitalisation
- Convalescence or rest cure
- Congenital external diseases
- Sterility
- Venereal diseases
- Condition directly or indirectly related to AIDS
- Pregnancy
- Circumcision, unless it is necessary under certain circumstances alone
The injuries and diseases not covered under certain circumstances are:
- Intentional self-injury
- Use of intoxicating alcohol and / or drugs
Diseases or injuries arising in the first 30 days from the commencement of policy (this does not include the diseases excluded in the first year of operation of the insurance policy), however if a medical practitioner named by the insurance company states that the policyholder had no knowledge of the existence of the disease, then it will be covered (this also does not apply if the insured had been covered under this policy or group insurance scheme with any Indian Insurance Company, in the immediately preceding 12 months)