A Mediclaim policy covers your hospitalisation and medical expenses, so a health emergency doesn't become a financial one. CoreLink Finance helps you compare Mediclaim plans from leading insurers and choose the right sum insured and network of hospitals for your family.
Get treated at network hospitals without arranging large sums upfront, settled directly with the insurer.
Medical expenses before and after hospitalisation are covered for a defined period, as per policy terms.
Cover your entire family under a single sum insured, often more economical than separate individual policies.
A Mediclaim policy is a health insurance plan that reimburses or directly settles the cost of hospitalisation and related medical treatment, up to the sum insured you choose. It protects your savings from being wiped out by a sudden illness, accident, or surgery.
Most Mediclaim plans cover room rent, doctor's fees, ICU charges, surgery costs, and related expenses during hospitalisation, along with a defined window of pre- and post-hospitalisation expenses such as diagnostic tests and follow-up medication.
With a wide network of cashless hospitals, a good Mediclaim policy means you can focus on recovery instead of arranging funds during a medical emergency, subject to policy terms, waiting periods, and exclusions.
Get treated at network hospitals with bills settled directly between the hospital and insurer.
Expenses incurred before admission and after discharge are covered for a defined period.
Many modern treatments that don't need 24-hour hospitalisation are covered as day-care procedures.
Claim-free years can increase your sum insured or reduce your premium, as per insurer rules.
One sum insured shared across the family, often more cost-effective than separate policies.
Certain plans restore your sum insured once exhausted in a policy year, for unrelated claims.
Premiums paid may qualify for tax deduction under prevailing tax laws, subject to conditions.
Access to a large network of empanelled hospitals across cities for cashless treatment.
| Sum Insured | Individual (Age 30) | Family Floater (2A+2C) | Senior Citizen (Age 60+) |
|---|---|---|---|
| 5 Lakhs | ₹6,500 – 8,200 | ₹12,000 – 15,500 | ₹18,000 – 24,000 |
| 10 Lakhs | ₹9,800 – 12,500 | ₹17,500 – 22,000 | ₹28,000 – 36,000 |
| 25 Lakhs | ₹14,500 – 18,000 | ₹24,000 – 30,000 | ₹42,000 – 54,000 |
*Indicative figures for sample profiles. Actual premiums depend on age, sum insured, city, medical history, insurer, and plan variant. GST applicable as per prevailing rates.
At CoreLink Finance, we don't just help you buy a policy — we actively support you through the claim process by coordinating with the insurer, guiding documentation, and following up for a smooth experience.
We help you choose the right insurer and policy based on claim settlement ratio, reliability, and your profile.
Before policy issuance, we ensure all your personal, financial, and medical details are accurate and properly declared.
We guide you in filling out proposal forms correctly, so no hidden or incorrect information gets submitted.
In case of a claim, you get a personal claim expert who handles the process — from documentation to settlement.
We actively coordinate and follow up with insurers to ensure quick and smooth claim processing.
Our team checks all documents before submission to avoid technical errors that often lead to delays or rejection.
Follow these steps to ensure smooth claim settlement during a medical emergency.
Declare any known health conditions honestly at the time of purchase to avoid claim disputes later.
Know the waiting periods for pre-existing diseases and specific treatments before you need to claim.
Cashless claims at network hospitals are faster and simpler than reimbursement claims.
Notify the insurer or TPA as soon as hospitalisation is planned or happens, within the specified time.
Preserve original bills, discharge summaries, and diagnostic reports for a smooth reimbursement claim.
A lapsed policy can break your continuity benefits and waiting-period credits — renew before the due date.
Mediclaim is essential for anyone who wants to protect their savings from medical costs. Consider this if you are:
A parent wanting to protect your family from high hospitalisation costs
Relying only on an employer health policy that ends if you change jobs
Planning ahead for rising healthcare costs as you age
Someone without adequate health cover currently
Wanting to protect your savings from a medical emergency
Looking for tax benefits on your health insurance premium
Talk to CoreLink Finance for honest, no-obligation guidance on the right Mediclaim policy for you.
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