Ditto
Nation Mediclaim policy is an okay policy for the most part. But if you are looking for comprehensive coverage this policy perhaps simply doesn't cut it, because it does have a few unsavoury conditions

What's good here?

You most likely don't have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. And if you’ve opted to co-pay a part of the bill, have you thought through it completely?

Pre & post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 45 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

What's bad here?

Restrictions on the rooms you can pick and much more

Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If it’s an ICU they’ll bump it to 2% of the sum insured. And in the event you breach these limits, then you’ll have to pay a lot more - Read more here

Long waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

No coverage if you are forced to hospitalize at home

The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.

What's lacking here?

Underwhelming bonus feature

Your sum insured increases by 5% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. And while this is a decent deal, most insurance companies offer a much higher bonus. But hey, it's still a bonus.

No free Health Checkups unless you wait 4 years

If you’re planning on getting a full body checkup just to make sure you’re in fine working condition, the insurer will cover the cost once in 4 years. However, just so you know, most insurance policies offer free yearly health checkups.

Need a human touch?

Talk to us and we will navigate the complex world of insurance together.

It's free and we will never spam you. Pinky Promise!!!

Ditto

With Ditto, you don't just compare insurance. You understand it. Narrow down choices. Avoid pitfalls and make better decisions.

Made with by Finshots


Finshots © 2021. All Rights Reserved.

Disclaimer : The information contained in this website is presented purely for information purposes only provided as service to the internet community at large. It does not constitute insurance advice and we do not guarantee the accuracy, adequacy or the completeness of the information contained here.


Get in touch: support@joinditto.in | +91-8095656931
Tacterial Consulting Private Limited
CIN: U74999GJ2018PTC103398
IRDAI Registered Corporate Agent (Composite) License No CA0738 valid till 9th December 2023