IndiaFirst Mediclaim Plan

IndiaFirst Mediclaim Pla

IndiaFirst Mediclaim Plan is a Non-Participating Health Insurance Plan. It is a Traditional Plan without any Bonus Facility.

How it works – In this plan, premium needs to be paid for the entire Policy Tenure of 5 years. There is a Premium Guarantee for 3 years in this plan even if there is a claim and will be reviewed thereafter at the end of every three years.

Health Insurance Plan

Maternity Benefit

in-patient-hospitalisation-overview icon

Hospitalization Benefit

Compare this plan with other Health Plans

Key Features

This is a Health Insurance Plan

In this plan, the premium remains constant for a period of 3 years even if there has been a claim

Self, Spouse, Children, Parents as well as Parents-in-Law can be covered in this option

This Plan can be opted for a maximum Sum Assured of Rs 25 Lacs

This plan can be opted for an Individual or for the family under Family Floater Option

There are 2 Plan Types- Easy Health and Premier Health

This plan offers Guaranteed Lifetime Renewability

There is Best Doctor Facility in this Plan

There is an additional Term Rider available in this plan

Benefits

There are 2 Plan Types:

Easy Health and
Premier Health

Where the Sum Assured Varies for an:

Individual- Self Coverage
Family Floater- Spouse, Dependent Children, Parents as well as Parents-in-Law

Benefits	Plan
	Easy Health		Premier Health
	Individual	Family Floater	Individual	Family Floater
In Patient Hospitalization	Covered	Covered	Covered	Covered
Day Care Treatment	Covered	Covered	Covered	Covered
Lifetime Renewability	Covered	Covered	Covered	Covered
Term Rider	Covered	Covered	Covered	Covered
Maternity Benefit	Not Covered	Not Covered	Not Covered	Covered
Domiciliary Benefit	Not Covered	Not Covered	Covered	Covered
Organ Donor Coverage	Covered	Covered	Covered	Covered
Ectopic Pregnancy	Covered till Rs 30,000		Covered till Rs 50,000
Pre and Post Hospitalization	Covered		Covered
Cost of Artificial Limbs	Covered		Covered

This Plan covers for all options:

Basic Hospitalization In –Patient Expenses,
Pre and Post Hospitalization expenses
Day Care Benefits
Emergency Ambulance Benefit
Donor Expense Benefit
Cost of Artificial Limbs- Payable as per actual expenses, subject to a maximum of 10% of the annual SA or INR 25,000, whichever is lower

Maternity Benefit

is provided under Premier Health Option of Family Floater Plans after a waiting period of 2 years.

There is an additional Benefit of Best Doctor Facility, whereby:

Inter Consultation Service- Expert medical consultation provides a comprehensive medical review by the experienced medical team
Ask an Expert, where questions pertaining to health condition and treatment options can be asked to the Best Doctor Experts
Find Best Care Service: A service whereby Best Doctors, on the Insured’s behalf, makes appointments, organises all details regarding medical treatment, including arranging for hospital, admission, physician Appointments, accommodations, transportation, and customer service

Hospitalization Benefit

The Regular Benefits covered under both Options of this plan are:

In Patient Hospitalization:
- Room Rent
- Nursing charges, Surgeons, Anaesthetists, Dieticians and other doctor's fees
- Diagnostic and Laboratory Charges
- Anaesthesia, blood, oxygen, medicines and drugs etc.
200 Day Care Benefits as mentioned
30 days of Pre-Hospitalization Benefit and 60 days of Post-Hospitalization Benefit
Emergency Ambulance Benefit
Donor Expense Benefit
Cost of Artificial Limbs subject to 10% of Sum Assured or Rs 25,000 whichever is lower

Additional Benefit

There are some benefits provided in some of the options

	Plan Type
Benefit	Easy Health	Premier Health
Ectopic Pregnancy	Actual expenses upto Rs 30,000	Actual expenses upto Rs 50,000
Maternity Benefit	Not Covered	Covered
Domiciliary Benefit	Not Covered	Covered

Maternity Benefit

is provided under Family Floater Option under Premier Plan which covers:

Actual Medical expenses incurred by the Life Insured towards hospitalization
Medical Complications
Delivery
Medical Termination of Pregnancy

Subject to:

Waiting Period of 2 years
Maximum of Rs 1 lac
For the first 2 pregnancies only
Expenses of the New Born Baby and the Vaccinations are not covered
Pre-Hospitalization and Post-Hospitalization expenses are not covered

Domiciliary Benefit

is provided under Premier Plan upto a maximum of 5% of the Basic Sum Assured

Income Tax Benefit

Premium paid towards Critical Illness Benefit and Cancer Care Benefit is up to Rs. 15,000 are allowed as a deduction from the taxable income each year under section 80D and the remaining premium is eligible for a deduction from the taxable income each year under section 80C.

Riders

There is 1 additional rider available with this plan:

IndiaFirst Term Rider

Variants

Maternity Benefit is available after a waiting period of 2 years and payable up to a maximum of Rs 1 lac only
There is a Waiting Period of 30 days in this plan and hospitalization due to symptoms that occurred during the first 30 days of this plan is beyond the scope of this policy
The expense of the artificial limb would be payable only once during the entire term of the plan and payable for a single limb only
There is a 36 Months Waiting Period for Pre-existing diseases
There is a 24 Months Waiting Period for Specified Surgeries
Domiciliary hospitalization benefit may be reimbursed under the Premier Health option subject to a maximum of 5% of base sum assured. Domiciliary Benefit will only be reimbursed if the life assured has been under medical treatment for more than 3 days for such illness/ disease/ injury which in the normal course would require care and treatment at a hospital/ nursing home
Domiciliary Treatment covers:
- Asthma
- Bronchitis
- Chronic Nephritis and Nephritic Syndrome
- Diarrhoea and all type of Dysenteries including Gastroenteritis
- Diabetes Mellitus and Insipidus
- Epilepsy
- Hypertension
- Influenza, Cough and Cold
- All Psychiatric or Psychosomatic Disorders
- Pyrexia of unknown Origin for less than 10 days
- Tonsillitis and Upper Respiratory Tract infection including Laryngitis and pharangitis
- Arthritis, Gout and Rheumatism
- Physiotherapy
- Maternity and its related complications
- Rest cure and palliative care for terminally ill persons
- Cost of any appliances or equipment

Eligibility

	Minimum	Maximum
Sum Assured (in Rs.) for Easy Health in Lacs	2, 3, 4, 5, 7	10
Sum Assured (in Rs.) for Premier Health in Lacs	10, 15, 20	25
Policy Term (in years)	5
Premium Payment Term (in years)	5
Entry Age of Life Insured (in years)	18, 3 months for dependent children	65, 20 for dependent children
Age at Maturity (in years)	-	Lifelong 25 for dependent children
Premium (in Rs.)	2000 yearly 200 monthly	No Limit
Payment modes	Yearly or Monthly