Mediclaim & Jan Arogya

The Jan Arogya policy was introduced last year to cater to those who cannot afford high premium cover against hospitalisation. However, the sum insured here is only Rs 5,000 per person (a family package is also available). The premium is very low, starting from Rs 70 onwards. Mediclaim and Jan Arogya are more or less identical.

All hospitalisation expenses, and even some treatment taken at home, can be recovered upto the amount insured (see table Premium schedule : Jan Arogya).

Relevant expenses incurred within 30 days prior to hospitalisation and upto 60 days after being discharged can also be claimed. Treatment for all ailments (except specific exclusions) are covered.