ICICI Mediclaim Query

[ajai]

Hi, I want to ask something about ICICI Mediclaim that I am using spectacles from many years & now I have taken an mediclaim of ICICI, So can I do the laser operation & will it be covered under this medicalim.

Please do reply.

[Master]

It would not be covered any of the mediclaim plans. I am not sure about ICICI Mediclaim.

[Manish_Kumar]

Hi, I want to ask something about ICICI Mediclaim that I am using spectacles from many years & now I have taken an mediclaim of ICICI, So can I do the laser operation & will it be covered under this medicalim.

Please do reply.
Pre-existing disease is not covered in any mediclaim policy.

[Policy_expert]

FAQ on Health Insurance / Mediclaim (http://www.policywala.com/showthread.php?t=378)

Are all diseases and injuries covered by Mediclaim ?
There are certain diseases and injuries that are not covered by this policy. These fall under basically 3 categories The injuries or diseases not covered in the first year of operation of the policy are:

Cataract
Benign prostatic hypertrophy
Hysterectomy for menorrhagia or fibromyoma
Hernia, hydrocele
Congenital internal diseases
Fistula in anus
Piles
Sinusitis and related disorders

Note: The diseases listed above are only excluded from cover only for the first year of the policy and not afterwards.

The injuries and diseases or medical conditions not covered at all under Mediclaim are:

Cost of spectacles, contact lenses,hearing aids
Dental treatment, surgery unless it requires hospitalisation
Convalescence or rest cure
Congenital external diseases
Sterility
Venereal diseases
Condition directly or indirectly related to AIDS
Pregnancy
Circumcision, unless it is necessary under certain circumstances alone


The injuries and diseases not covered under certain circumstances are:

Intentional self-injury
Use of intoxicating alcohol and / or drugs


Diseases or injuries arising in the first 30 days from the commencement of policy (this does not include the diseases excluded in the first year of operation of the insurance policy), however if a medical practitioner named by the insurance company states that the policyholder had no knowledge of the existence of the disease, then it will be covered (this also does not apply if the insured had been covered under this policy or group insurance scheme with any Indian Insurance Company, in the immediately preceding 12 months)