It is clearly the subject to understand, and made to be understood by the Agent selling the Policy. Every policy sold have different wording by different Insurance co. ONLY mediclaim is not complete you require to go for Hospital cash and Critial Illness too. I have made an Presentation on this subject matter if interested please email at kintele@rediffmail.com or sms me ur id at 9820214315. Mayur
There is no clarity from any insurance company which markets health insurance in india.There are hidden clause which the general public is unaware when they buy health insurance. Let the people take caution while buying health insurance from any insurance co.