MsME Employee Insurance works for a maximum of 30 claims in a policy year. You can start the claim process upon hospitalisation by submitting the valid medical bills.
Let's say you have the following insurance
The Claim form can be downloaded from here.
The completed claim form has to be sent to us along with the following documents –
Overnight hospitalisation due to accident, communicable diseases like dengue, malaria, etc or hospitalisation due to any other ailments are covered under the policy with the exception of certain ‘permanent exclusions’ as described in T&C document.
Your MsME Employee Insurance remains with you even after you leave your company.
Protects your saving from loss of income.
Additionally, buying a MsME Employee Insurance cover, you can use it as a blanket cover over your medical expenses
Members or staffs of any recognised business having a valid ID proof of India are eligible to avail this insurance
Individuals with pre-existing diseases are not eligible for the cover.
Yes, the plan is available to individuals in the age range of 18 to 75 years.
No, MsME Employee Insurance does not cover maternity.
Yes, AYUSH treatments are covered by MsME Employee Insurance.
Yes, parents (up to 75 years) can be covered in separate individual policies.
As your parents get older, there is the possibility of rising healthcare costs. There is always a chance that your existing health insurance cover may not meet their healthcare expenses. A MsME Employee Insurance can help you protect your parent's health in case of any hospitalisation(which they may have purchased in a personal capacity or may have obtained through your insurance plan) if they don't have any pre-existing conditions.
Deductible refers to the amount paid by the policyholder (via out-of-pocket or other medical insurance policy) during the claim reimbursement process.
A 30-day waiting period from the policy start date is applicable, except for injuries and accidents. 12 month wait period for pre-existing diseases