{"id":1258,"date":"2022-03-10T11:53:08","date_gmt":"2022-03-10T06:23:08","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1258"},"modified":"2022-03-10T12:05:25","modified_gmt":"2022-03-10T06:35:25","slug":"difference-between-mediclaim-vs-health-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/","title":{"rendered":"What makes Health Insurance different from Mediclaim Insurance?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#What_is_mediclaim_Insurance\" >What is mediclaim Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#What_is_health_insurance\" >What is health insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#What_are_the_differences_between_Mediclaim_and_Health_Insurance_Plans\" >What are the differences between Mediclaim and Health Insurance Plans?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#1_Coverage_Offered\" >1. Coverage Offered<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#2_Add-on_Covers\" >2. Add-on Covers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#3_Flexibility\" >3. Flexibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#4_Sum_Insured\" >4. Sum Insured<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#Critical_Illness_Cover\" >Critical Illness Cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#Hospitalization\" >Hospitalization<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/#Claims\" >Claims<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>Archana Singh lives in Bangalore with her family. Since her husband has been diagnosed with borderline diabetes lately, she is now giving a thought to buying a health insurance policy. However, while she was doing her research online on the various options of health insurance policies, she also came across some mediclaim plans. Now she is a little confused if these two are the same or they come with different features.<\/p>\n<p>Many of us think that these two are synonymous and hardly pay any attention to the difference between mediclaim and health insurance. Well, these two may sound similar but are different from each other. So let us discuss mediclaim vs health insurance and clear our confusion.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_mediclaim_Insurance\"><\/span><strong>What is mediclaim Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A mediclaim insurance is one of the types of insurance plans that comes with particular financial protection against health-related expenses. It is a pocket-friendly option to take care of health-related emergencies. However, with a mediclaim policy, you will only get coverage for hospitalization. The rest of the medical expenses have to be borne by you.<\/p>\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" \/><\/a><\/center><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_health_insurance\"><\/span><strong>What is health insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you buy a <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/category\/health-insurance\/\">health insurance<\/a> policy, you will get coverage for medical as well as surgical expenses that have been incurred by you. To get the coverage, you can either pay the entire hospital bill from your pockets and later get the reimbursement from your insurer, or the second option is of informing the insurer about your hospitalization in just a few hours of being hospitalized. With this option, the bill will be settled by your insurer and the hospital where you received your treatment. The coverage offered by any health insurance policy is much more than the coverage offered by a mediclaim insurance policy.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_differences_between_Mediclaim_and_Health_Insurance_Plans\"><\/span><strong>What are the differences between Mediclaim and Health Insurance Plans?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To understand the difference between insurance and medical insurance properly, here are some points mentioned for you:-<\/p>\n<ol>\n<li>Coverage offered<\/li>\n<li>Add-on covers<\/li>\n<li>Flexibility<\/li>\n<li>Sum insured<\/li>\n<li>Critical illness cover<\/li>\n<li>Hospitalization<\/li>\n<li>Claims<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Coverage_Offered\"><\/span><strong>1. Coverage Offered<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A health insurance plan comes with comprehensive medical coverage which includes hospitalization expenses, pre and post-hospitalization expenses, ambulance costs, etc. In addition to this, a health insurance policy also offers compensation if there has been a loss of income due to an accident.<\/p>\n<p>A mediclaim policy provides coverage for hospitalization, treatment due to an accident, and pre-existing illnesses up to a pre-determined limit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Add-on_Covers\"><\/span><strong>2. Add-on Covers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A health insurance policy comes with several add-on covers which include personal accident cover, critical illness cover, maternity cover, and many more.<\/p>\n<p>A mediclaim insurance does not come with any cover at all. Once you understand how does insurance work, getting an add-on cover such as disability or critical illness cover can make a lot of sense which is only available with health insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Flexibility\"><\/span><strong>3. Flexibility<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When you buy a health insurance policy, you get the flexibility to either increase or lessen the coverage. If you are not satisfied with your premium amount, you can change it after a certain period by changing the duration of the policy. You also must know that long-term health insurance policies come with discounts on premiums.<\/p>\n<p>With a mediclaim insurance policy, you will not get any flexibility.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Sum_Insured\"><\/span><strong>4. Sum Insured<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The sum insured for health insurance policies starts from INR 50,000 and goes up to INR 6 crore per year.<\/p>\n<p>The sum insured for a mediclaim policy goes up to INR 5 lakh. For additional coverage, you have no option but to opt for health insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Critical_Illness_Cover\"><\/span><strong>Critical Illness Cover<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>With a health insurance policy, you can get coverage for over 30 critical ailments like cancer, kidney failure, stroke,\u00a0 and many more. However, it depends on the policy which ailments are being covered.<\/p>\n<p>There is no coverage for any critical illness in a mediclaim policy.<\/p>\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" \/><\/a><\/center><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Hospitalization\"><\/span><strong>Hospitalization<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>To avail of the benefits of a health insurance policy, you do not necessarily have to get hospitalized. Even if you are taking day care treatment, you can avail of the benefits accordingly.<\/p>\n<p>To avail of the benefits of a mediclaim policy, you must be hospitalized.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Claims\"><\/span><strong>Claims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once you have a health insurance policy, you can file claims till the time your sum insured is not exhausted. However, if the claim is related to <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/why-accidental-insurance-is-important\/\">accidental disability<\/a> or critical illness, the sum insured is paid by the insurer in a lump sum amount. One such claim can only be filed only once during the entire term of the policy.<\/p>\n<p>When you have a mediclaim policy, you can file several claims till the time your entire sum insured is exhausted.<\/p>\n<p>Based on these factors you can find out the best policy according to your needs. For a comprehensive plan, higher coverage, and additional benefits, you can choose to go for health insurance instead of mediclaim.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Archana Singh lives in Bangalore with her family. Since her husband has been diagnosed with borderline diabetes lately, she is now giving a thought to buying a health insurance policy. However, while she was doing her research online on the&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/difference-between-mediclaim-vs-health-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":1259,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-1258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mediclaim vs Health Insurance Policies: Know the Major Differences<\/title>\n<meta name=\"description\" content=\"Mediclaim vs Health Insurance Plans: Know the Major differences between mediclaim and health insurance policies that will 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