Why Not I Take A Top UP Policy Instead Of New India’S Mediclaim Policy?

A top up policy is an additional coverage for people already having an individual health insurance plan or employer health insurance policy. It is useful in case of a single illness which consumes the entire sum insured in the base policy. The top up policy triggers only after the sum insured in the base policy is exhausted and the deductible under the top up is crossed due to hospitalization. Having a top up policy without a base health insurance policy is like having a bike without an engine. A top up policy has a deductible amount which would be almost 20% of the top up policy sum insured. For example let us take a base policy with Rs.2 Lacs and Top up policy with Rs.5 Lacs, in case of hospitalization first the base policy sum insured will be utilised and then the top up policy kicks in.

What are the Documents Required for Maternity Mediclaim?

The documents needed to claim a maternity insurance policy.

  • Duly filled in the claim form
  • Policy documents
  • Admission advice
  • Discharge summary
  • Fitness certificate
  • KYC documents
  • Consultation bill
  • Original hospital bill
  • Pharmacy bill

Is Pregnancy Covered in Mediclaim Policy?

Many group insurance firms provide maternity coverage to pregnant women. The pregnancy plan covers all the hospitalizations charges from boarding to nursing. This plan covers all the medical charges incurred during the pre and post-delivery period. This duration is predefined by the insurer. All the costs that occurred for surgeries and pregnancy complications can be claimed. Expenditures for pre and post-natal durations are provided to the insured through this plan. The maternity insurance policy covers pre and post-natal care, C-section operation, and also vaccination for newborn babies for a specified period.

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