Top Cashless Mediclaim Policies for Family in India

Mediclaim insurance is a type of wellbeing inclusion that shields you from hospitalization costs just as a specific ailments or medicines emerging due to hospitalization.

A mediclaim strategy keeps you secured monetarily even in occasions when the clinical costs are on a rise. Cashless mediclaim policy allows liberated from cost treatment to policyholders. It is sans inconvenience as it doesn’t require you to hang tight for the reimbursement conventions.

Under a credit only arrangement, the bills are settled by the health protection company directly relying on the prerequisite that the treatment is acquired in an organization medical clinic and the therapy value falls inside the aggregate guaranteed restriction of the health insurance plans.

Top 5 Cashless Mediclaim Policies for Family in India:

Health Insurance Company Cashless Health Insurance Policy Enrollment Age
ICICI Lombard Health Care Plus 5 to 65 years
HDFC Ergo Optima Restore 91 days to 65 years
Max Bupa Health Companion 91 days to no age limit
Care Health Insurance Care Plan 91 days
Bajaj Allianz Family Guard 18 to 65 years

Brief Features of Each Plan:

1. ICICI Lombard Health Care Plus:

It offers cashless treatment within 4 hours. Some of the key features of this policy are as follows:

  • Policy can be taken for duration of 1 year and 2 years
  • Coverage for pre-existing diseases after 4 continuous policy terms
  • On policy renewal, free health check-up facility for an insured member

2. HDFC Ergo Optima Restore:

It offers a vast range of coverage in family and individual policies.

  • The plans offer credit only treatment at the medical clinics, emergency air rescue vehicle cover, and emergency vehicle charges.
  • Offers total inclusion for post and pre hospitalization costs
  • Offers inclusion for domiciliary treatment, organ contributor, and elective treatment like Ayurveda
  • Multiplier benefit is likewise accessible

3. Max Bupa Health Companion:

It has a wide-ranging list of network hospitals in India where the insured can get cashless conveniences when hospitalised.

  • Offers inclusion for pre and post-hospitalization
  • Hospitalization charges including rent charges of room
  • Top off and restoration benefit, domiciliary treatment, inoculation if there should arise an occurrence of a creature chomp

4. Care Health Insurance Care Plan:

The plan offers you the USPs which you do not get anywhere else. These include:

  • Yearly wellbeing check-ups for all individuals canvassed in the arrangement
  • Extraordinary limitless programmed re-energize
  • Up to 150% No Claim Bonus

5. Bajaj Allianz Family Guard:

When it comes to covering your dear ones, this is the next best plan that offers cashless claims. Some of the popular features and benefits of this plan include:

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  • 90 days post and 60 days pre-hospitalisation is covered
  • Access to the cashless facility at more than 6,000 impaneled hospitals across India

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