The mediclaim insurance policies are those policies which covers hospitalisation expenses for the treatment of illness / injury as per the terms and conditions of the policy. These policies may also cover pre-hospitalisation expenses for few days prior to hospitalisation and post hospitalisation expenses for the specified days as per policy terms. Some other expenses that are also covered by some of the insurers are :-

(a) Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where even 24 hour hospitalisation is not required.

(b) Ambulance Charges for shifting the insured from residence to hospital.

(c) Ayurvedic / Homeopathic and Unani system of medicine charges

(d) Pre-existing diseases after a specified period of the policy or on payment of additional premium