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Group Mediclaim Policy

Group-Mediclaim-Policy

PRESTIGE GROUP MEDICLAIM

  • Corporate/Associations/other group  can take a single policy to cover all their employees including their dependent family members (Up to the Age group of 65 years)
  • Policy covers Hospitalization expenses due to diseases/accidents including Pre & Post hospitalization expenses
  • Top-up cover on existing HMO Policy (if any)
  • Each Employee/Family can enjoy Group benefits such as:
    • Discounted premium
    • Cover for pre-existing diseases

 

THE BENEFITS OF GROUP MEDICLAIM POLICY
• Critical care benefits (10% of Sum insured is payable as CASH assistance on diagnosis of Critical 
diseases apart from Hospitalization expenses)
• Maternity benefits (optional)
• Automatic new born baby cover
• Ambulance charges
• Evacuation expenses to India (optional)
• 2nd Referral Medical opinion
• Continuity of Insurance in India after departing from Nigeria with The New India Assurance Co. Ltd.
• Treatment options both in Nigeria and India
• Cashless Treatment in more than 2500 hospitals in India through TPA
• Cashless Treatment in selected hospitals in Nigeria
• Cover for Congenital (internal anomalies)
• Day care treatment
• Cover for Anti Rabis vaccination
• Premium payment in Naira

 

WHAT DOES THE POLICY COVER
• Hospitalization Expenses: treatment of any Illness or Injury of any of the Insured Person both in Nigeria and India.
• Minimum 24 hours hospitalization necessitated is a pre requisite 
• Room Rent: up to 1% of the Sum Insured per day.
• ICU/ICCU: up to 2% of the Sum Insured per day.
• Surgeon, Anaesthetist, Medical Practitioner, Consultants’ Specialist fees.
• Anaesthetist, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, relevant laboratory diagnostic tests, etc. and similar expenses.            

                                           
                                                                               
CRITICAL CARE DISEASES
* Cancer
* First Heart attack of specified severity 
* Open chest CABG 
* Open Heart replacement or repair of Heart valves 
* Coma of specified severity 
* Kidney failure requiring regular dialysis 
* Stroke resulting in permanent symptoms 
* Major organ / bone marrow transplant 
* Permanent paralysis of limbs 
* Motor neurones disease with permanent symptoms 
* Multiple sclerosis with persisting symptoms 

 

MATERNITY BENEFIT
• Medical Treatment expenses taken in hospital/Nursing Home arising from or traceable to pregnancy, childbirth including caesarean section.
• The limit applicable to maternity benefits for normal delivery & Caesarean section 


HOSPITAL CASH
• Hospital cash is a benefit given to the insured towards incidentals incurred during the period of hospitalization, for which no bills are required. This benefit will be over and above his/her hospital bill reimbursement.
• This will be 0.1% of Sum Insured per day maximum for 10 days in any one illness. The total amount will not exceed 1% of Sum Insured.