Q: Is there a Mediclaim policy which covers pregnancy?

A:This policy provides for cashless hospitalisation in India for the treatment of any illness or disease or accidental injury (not specifically excluded) suffered during the policy period. The payment of claim is made through Third Party Administrators (TPAs) who have been empanelled by the Company to provide hassle free admission and discharge from the Network hospital without making any payment. The reimbursement of domiciliary hospitalisation claims will also be made through the TPA. The policy can be taken by any person residing in India who is between 5 and 80 yrs of age. Children between the age of 3 months and 5 yrs can be covered provided one or both parents are covered concurrently. For obtaining Mediclaim Policy the proposer has to fill up the proposal form and Insured Person details form and submit two latest stamp sized coloured photograph of each family member to be insured. A family package cover can be taken covering proposer, spouse, dependent parents and two dependent children with a 10% discount in premium. The group mediclaim policy can be extended, on payment of additional premium, to cover maternity benefit i.e. expenses incurred in delivery, provided the extension is taken for all the members covered in the group.