What is the minimum hospitalization time required to trigger a claim under a Mediclaim policy?

12 hours 24 hours 48 hours 72 hours

Which type of treatment is typically covered under a basic Mediclaim policy?

Allopathic Homeopathic Ayurvedic Naturopathic

What is a common exclusion in most Mediclaim policies?

Doctor's fees Cost of medicines Pre-existing illnesses Room rent

What type of surgery is usually excluded from Mediclaim coverage?

Heart surgery Eye surgery Cosmetic surgery Orthopedic surgery

What is a 'Floater Sum Insured' in a Mediclaim policy?

A fixed sum insured for each individual A sum insured shared by the entire family A sum insured only for senior citizens A sum insured for critical illnesses only

What does a 'Critical Illness Mediclaim Policy' primarily cover?

Minor surgeries Routine medical check-ups Life-threatening diseases Dental treatments

What is the key feature of a 'Hospital Daily Cash Mediclaim Policy'?

Covers all medical expenses Provides a daily cash allowance during hospitalization Offers a lump sum payment for accidents Covers only critical illnesses

What is the primary purpose of a 'Health Top-Up Mediclaim Policy'?

To replace existing health insurance To provide coverage for dental treatments To offer additional coverage at a lower cost To cover maternity expenses

What is the consequence of not renewing a Mediclaim policy on time?

The policy remains active with a grace period The policy lapses, and no benefits are payable The policy is treated as a new policy with fresh terms The policy continues with reduced coverage

What is a crucial factor to consider when choosing a Mediclaim policy for your family?

The reputation of the insurance agent The availability of online purchase options The adequacy of the sum insured/coverage amount The number of add-on benefits offered