Results 1 to 4 of 4

Thread: Will laser operation be covered under mediclaim?

  1. #1
    PolicyWala Newbie
    Join Date
    May 2009
    Location
    India
    Posts
    11

    Default Will laser operation be covered under mediclaim?

    I am using spectacles from many years & now I have bought mediclaim of ICICI Lombard.

    Can I undergo laser operation & will it be covered under above medicalim policy?



  2. #2
    NewBie
    Join Date
    Apr 2009
    Location
    Bhopal
    Posts
    14

    Default

    It won't cover cost of laser operation.

  3. #3
    PolicyWala Newbie
    Join Date
    Mar 2009
    Posts
    52

    Default

    Quote Originally Posted by Navdeep View Post
    I am using spectacles from many years & now I have bought mediclaim of ICICI Lombard.
    Can I undergo laser operation & will it be covered under above medicalim policy?
    Any pre-existing disease won't be covered in the policy. And insurance is not to make profit out of it, so its also against basic principle of insurance.

  4. #4
    Moderator Expert's Avatar
    Join Date
    Feb 2009
    Location
    New Delhi
    Posts
    448

    Default

    As per ICICI Lombard website -
    Permanent exclusions of health policy
    1. Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 4 consecutive years
    2. Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
    3. Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
    4. War, riots, strike, nuclear weapon, induced treatment

    Your problem is existed at the time of you took the policy, so not covered now.
    * SAFE
    Self Appointed Financial Expert


Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •