Our medical insurance department provides tailor made medical policies for individuals & families as well as for small-to-large groups, through a tie-up with National Insurance Company Limited, Chandigarh, which is a subsidiary of India's leading General Insurance Company (GIC).

Medical policies offered by us, are not just price competitive but also offer special privileges including CASHLESS Hospitalisation and INSCOL Health Card.

That is, in case of hospitalisation the policy subscriber need not pay the hospital bill from his own resources - the bills are settled directly between the insurance company and the hospital.

INSCOL's Health Card offers value added services, namely:

• Discounts on out-patient services at INSCOL as well as at our 200+ network of clinics, diagnostic centres & chemist shops in and around Chandigarh.
• 24 hrs Medical Helpline for advice & guidance during any emergency by our qualified doctors.
• Free ambulance service in case of hospitalisation at INSCOL.
• Web hosting of your medical records over the internet for easy access.

Expenses Covered Under the Mediclaim Policy

• Room, boarding expenses as provided by the Hospital/ Nursing Home.
• Nursing expenses.
• Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees.
• Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs, and Cost of Organs and similar expenses.
• Pre-hospitalisation and post-hospitalisation expenses for a period of 30 days and 60 days respectively.
• The cover is restricted to treatment taken in India only.

Exclusions of Mediclaim Policy

• All diseases/injuries those are PRE-EXISTING when the cover incepts for the first time.
• Naturopathy treatment and treatment of complications arising from treatment by a non-registered medical practitioner.
• Any illness/accident caused by a radioactivity, ionisation, war or war-like operations.
• Expenses related to maternity or childbirth.
• During the first year of operation of the policy, the expenses on treatment of disease such as cataract, Benign Prostactic Hypertrophy, Hysterectomy, Fibromyoma / Menorrhagia, Hernia, Hydrocele, Congenital internal diseases, Fistula in Anus, Piles, Sinusitis and related disorders.
• The diseases already existing at the time of applying for this insurance and the disease contrated during the first 30 days of commencement of cover.
• Any hospitalisation for a period less than 24 hours.
• Non-medical cosmetic surgery, dental treatment unless requiring hospitalisation, cost of spectacles or contact lenses.
• Persons engaging in professional sports such as racing, bungee jumping, parasailing, hang gliding, mountain or rock climbing, deep sea diving, snow and ice sports.

Detailed benefits and exclusions are contained in the policy document.