Individual Health Plans Online
These are the 'traditional' health insurance covers, known as 'mediclaim' policies informally, even though the word 'mediclaim' is just a brand of one of the companies. These generally cover hospital treatment expenses provided the treatment is on in-patient basis and lasts for at least 24 hours.
The expenses covered include hospital bed/room, nursing, surgeon's fees, consultant doctor's fees, blood transfusions, oxygen and operation theatre charges. These days most plans come with sub-limits for each of these heads. They usually do not cover pre-existing diseases or complications arising from them for the first four years of the policy.
Besides, there are specific conditions that may not be covered for a certain initial period. There is generally an enhancement for every year during which no claim is made.
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