What is a Family Floater Plan?
It covers all insured family members under a single sum insured, which is the maximum claim limit for all members combined.
What are Pre and Post Hospitalization expenses?
These cover medical costs 30 days before and 60 days after hospitalization, if related to the same condition.
What is a Pre-existing Condition?
Any illness, injury, or symptom you had, were diagnosed with, or treated for before buying the first policy.
Is cashless treatment available at all hospitals?
No, it's available only at network hospitals.
How to check if a hospital is in the network?
For planned treatment, visit parkmediclaim.co.in → “Hospital Search.” For emergencies, ask the hospital’s TPA desk.
What are the general exclusions in home insurance policies?
- Doctor's home visits, attendant/nursing charges (except domiciliary care).
- Irrelevant tests/treatments, private nursing, referral fees, outstation doctor fees.
- Genetic disorders, stem cell treatments.
- External/durable medical equipment (e.g., CPAD, walkers, braces, glucometers, etc.).
- Non-medical/personal comfort items (e.g., TV, phone, toiletries, cosmetics, baby food).
- Obesity treatments or weight control programs.
- Injuries from hazardous activities (e.g., scuba diving, racing, climbing).
- Treatment at convalescent homes, health resorts, or similar centers.
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