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Various health insurance companies who provide insurance in India. Get free health insurance quote today from best health insurance companies in India for your entire family insurance plans Get Cashless medical insurance hospitalizaton form most of insurance companies plan Free medical treatment during hospitalization Peace of mind with health insurance policy
For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Medilcaim Policies for Students
 
(1) Policy Wording/ Proposal Form/ Brochure
(2) Product details of Various Companies for Student Insurance
 
General/ Health Insurance Companies Products
 
 
 
   1- VIDYARTHI-Mediclaim for Students (Domestic)- National Insurance Company Limited
Premium Chart
Section Sum Insured (Rs.)
I 50000 75000 100000 125000 150000 175000 200000
II 100000 150000 200000 250000 300000 350000 400000
III 50000 50000 50000 50000 50000 50000 50000
Premium (Rs.) 582 838 1111 1365 1620 1851 2084
Group Discount: This discount will be applicable only on actual number insured. Group Discount Structure will be as under:
No. of persons Discount(%)
101-5000 10
5001-15000 15
15001-25000 20
25001-50000 25
50001 and above 30
Claims Procedure
Section-I
Claims will be settled by the Third Party Administrators (TPA).  They will send details of the claims procedure for emergency/planned hospitalisation.

Documents to be submitted:
1. Claim form
2. First Consultation documents
3. Copy of admission advice
4. Discharge Summary
5. Prescription with bills
6. Test Reports
7. Any other document required by TPA.

The amount payable under this section will be paid to the insured person.
Procedure for availing Cashless Access Services in Network Hospital/Nursing Home.
Claims in respect of Cashless Access Services will be through the list of the network of Hospitals/Nursing Homes and is subject to pre admission authorization.  The TPA shall, upon getting the related medical information from the insured persons/ network provider, verify that the person is eligible to claim under the policy and after satisfying itself will issue a pre-authorisation letter/ guarantee of payment letter to the Hospital/Nursing Home mentioning the sum guaranteed as payable, also the ailment for which the person is seeking to be admitted as a patient. 
The TPA reserves the right to deny pre-authorisation in case the insured person is unable to provide the relevant medical details as required by the TPA.  The TPA will make it clear to the insured person that denial of Cashless Access is in no way construed to be denial of treatment.  The insured person may obtain the treatment as per his/her treating doctors advice and later on submit the full claim papers to the TPA for reimbursement subject to admissibility of claims as terms and conditions of the policy.
The TPA may repudiate the claim, giving reasons, if not covered under the terms of the policy.  The insured person shall have right of appeal to the insurance company if he/she feels that the claim is payable. The insurance company’s decision in this regard will be final and binding on TPA/insured person.
Section-II & III: 
Claims will be dealt by the Underwriting Office of the company
Documents to be submitted:
1.FIR
2.Death Certificate
3.Post Mortem Certificate wherever required
4.Any other Documents required by Company
Payment of Claim
All claims under this policy shall be payable in Indian currency. All medical treatments for the purpose of this insurance will have to be taken in India only. All claims under this policy shall be payable in Indian currency. All medical treatments for the purpose of this insurance will have to be taken in India only.
Section-I: Claim will be paid to the guardian.
Section II: In case of PTD- claim will be paid to the guardian. In case of Death- Claim amount will be paid to the nominee named in the schedule.
Section III: Claim will be paid to the guardian.
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